Credit union · NCUA insured
United Credit Union
Top CarrotA $303.7M credit union headquartered in Mexico, MO, with 37,487 members and 7 branches in Missouri. Best rates: CDs 3.92% and savings 0.25% APY.
United Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#1 of 6 in Mexico, MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Credit Union
Founded in 1935, United Credit Union is a member-owned not-for-profit cooperative headquartered in Mexico, Missouri.
The credit union operates six locations in Mid-Missouri and serves sixteen counties across the state.
- Headquarters
- 2401 Lakeview Rd, Mexico, MO 65265-1301
- NCUA charter
- 63597
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who work or reside in Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, or Shelby County.
Cost to join
- An initial deposit of $1.00 into a share (savings) account is required for ownership; there is no membership fee to join.
Branches
7 branches in Missouri
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Missouri
7 branches
Mexico area · 3
- OperationsMain office2401 Lakeview Rd, Mexico, MO 65265Directions
- Liberty Branch907 E Liberty St, Mexico, MO 65265Directions
- Vandalia Branch210 W Washington St, Vandalia, MO 63382Directions
Columbia area · 1
- Columbia Branch3421 Grindstone Pkwy, Columbia, MO 65201Directions
Jefferson City area · 1
- Fulton Branch1204 S Business 54, Fulton, MO 65251Directions
Moberly area · 1
- Moberly Branch1791 E Outer Rd, Moberly, MO 65270Directions
St. Louis area · 1
- Troy Branch200 Main St, Troy, MO 63379Directions
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 | 15.17% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.40% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.21% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio15.17%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.40%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.21%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ 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 United Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.