Credit union · NCUA insured
Multi-States Credit Union
A $89.2M credit union headquartered in Springfield, MO, with 14,968 members and 4 branches in 2 states. Best rates: savings 0.20% APY.
Multi-States Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#12 of 27 in Springfield, MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Multi-States Credit Union
Multi-States Credit Union was established in 1975 by the employees of St. John's hospital.
The member-owned institution previously operated as Mercy Credit Union before transitioning to Multi-States Credit Union.
Operating six branch locations, the credit union serves Mercy Health System co-workers, volunteers, affiliates, and their families.
- Headquarters
- 1444 E Sunshine St, Springfield, MO 65804-1238
- NCUA charter
- 63306
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees, affiliates, volunteers, and other groups associated with Mercy Health System.
Family and household
- Membership is open to families of Mercy Health System employees, affiliates, and volunteers.
Cost to join
- Purchase one $10 share to deposit into main savings account, which must remain on deposit at all times for membership.
Branches
4 branches in 2 states
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Missouri
3 branches
Springfield area · 2
- Main OfficeMain office1444 E Sunshine St, Springfield, MO 65804Directions
- Springfield Hospital Branch1235 E Cherokee St, Springfield, MO 65804Directions
Joplin area · 1
- Joplin MO Branch100 Mercy Way, Joplin, MO 64804Directions
Arkansas
1 branch
- Fort Smith AR7301 Rogers Ave, Fort Smith, AR 72903Directions
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 | 12.46% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.36% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.16% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $89 | $59 | — |
- CapitalNet worth ratio12.46%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.36%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$89Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Multi-States Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.