Credit union · NCUA insured
MECE Credit Union
Top CarrotA $387.8M credit union headquartered in Jefferson City, MO, with 13,713 members and 1 branch in Missouri. Best rates: CDs 4.99% and savings 3.56% APY.
MECE Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 14 in Jefferson City, MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MECE Credit Union
MECE Credit Union has been serving electric cooperatives and their members since 1975.
- Headquarters
- 2722 E McCarty St, Jefferson City, MO 65101-4428
- NCUA charter
- 67739
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, and MECE Credit Union are eligible for membership.
Family and household
- Immediate family members (defined as spouses, grandparents, parents, children, grandchildren, siblings, and spouses of children, grandchildren, and siblings) of eligible employees, as well as the spouse's immediate family, are eligible for membership.
Cost to join
- A minimum deposit of $25 is required to open an account.
Branches
1 branch in Missouri
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Missouri
1 branch
- Main OfficeMain office2722 E McCarty St, Jefferson City, MO 65101Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.32% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.13% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio11.32%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.13%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MECE Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.