--- title: "City Credit Union: #1 Personal Loan in Missouri" description: "City Credit Union has the lowest tracked personal loan rate in Missouri (2.50% APR) among 32 credit unions we verify. City Credit Union rates today: vehicle loans from 4.84% APR, personal loans from 2.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join City Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/city" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # City Credit Union: #1 Personal Loan in Missouri ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **RVs & Watercrafts** rv_any_84mo | — APR | 4.840% | 84 mo | Standard | | **New & Used Autos** auto_any | 4.840% APR | 4.840% | any | Standard | | **Motorcycles & ATVs** motorcycle_any_72mo | — APR | 5.840% | 72 mo | Standard | | **Antiques** auto_any_60mo | — APR | 6.220% | 60 mo | Standard | | **Older Vehicles (2004-2018) 85% LTV** auto_used_48mo | — APR | 7.280% | 48 mo · used | Standard | City Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 6.750% | — | Standard | City Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | 2.500% APR | 2.500% | — | Standard | | **FLEX Line of Credit** ploc_variable | — APR | 10.690% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 10.710% | — | Standard | | **Back-to-School Loan** personal | — APR | 12.000% | — | Standard | City Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Vacation Savings** savings | — APY | 0.25% | — | Specialty offer | | **Money Market Rates ($10,000 - $24,999.99)** money_market | — APY | 0.69% | — | Standard | | **Quarterly IRA Savings** ira | — APY | 0.75% | — | Standard | | **Money Market Rates ($25,000 - $49,999.99)** money_market | — APY | 0.98% | — | Standard | | **Money Market Rates ($50,000 - $99,999.99)** money_market | — APY | 1.08% | — | Standard | | **Money Market Rates ($100,000 - $149,999.99)** money_market | — APY | 1.12% | — | Standard | | **Money Market ($150,000+)** money_market | — APY | 1.19% | — | Standard | | **Money Market Rates ($2500 - $9999.99)** money_market | — APY | 2.00% | — | Standard | | **Money Market Rates ($1500 - $2499.99)** money_market | — APY | 2.25% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.45% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.50% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.55% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.60% | 24 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.70% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.80% | 12 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 3.90% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.95% | 6 mo | Standard | City Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELP Loans (up to $15,000)** other | — % | 3.020% | — | Standard | | **Untitled Collateral** other | — % | 6.520% | — | Standard | City Credit Union other rates as of November 12, 2026 Vehicle loans available from 4.84% APR. Personal loan rates from 2.5% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/city) , verified from [City Credit Union's official website](https://www.city-cu.com/) Best product position **#1 of 32** personal loan Gap to state best **0 bp** State market leader Vs. state median **800 bp better than median** personal loan Products ranked **1** across tracked Missouri markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 2.50% | #1 of 32 · lowest in Missouri | State market leader | 800 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim City Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=city&state=missouri&code=MO&name=City%20Credit%20Union) Loading branch locator… ## About City Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.2K Assets $64.4M Founded 1960 Locations reported 1 NCUA charter 67924 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements - Mobile check deposit - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Public Safety** East Branch · Independence · MO · 64057-1590 About 2.7 miles away](https://rateapi.dev/credit-unions/missouri/public-safety) [**1st Midamerica** Independence Office · Independence · MO · 64055 About 2.9 miles away](https://rateapi.dev/credit-unions/illinois/1st-midamerica) [**Communityamerica** Blue Springs Outer Road · Blue Springs · MO · 64015-2908 About 3.4 miles away](https://rateapi.dev/credit-unions/kansas/communityamerica) [**Holy Rosary** Hawthorne Branch · Independence · MO · 64056-1591 About 4.3 miles away](https://rateapi.dev/credit-unions/missouri/holy-rosary) [**United Consumers** Savage · Independence · MO · 64055 About 4.4 miles away](https://rateapi.dev/credit-unions/missouri/united-consumers) [**Interfaith** Missouri · Independence · MO · 64055 About 5.0 miles away](https://rateapi.dev/credit-unions/california/interfaith) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join City Credit Union Membership eligibility from City Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on City Credit Union's website. Check the membership page below to confirm whether you qualify. - Location jackson — MO - Employer Barbour Concrete, Central Jackson County Fire Protection District, City of Blue Springs, City of Grain Valley, City of Independence, City of Independence Housing Authority, City of Oak Grove, City of Sugar Creek, Comcast, Eskew’s Fine Jewelers, Fike Corporation, GE Transportation Systems, Government Employees Hospital Association, Little Blue Valley Sewer District, Mid-Continent Public Library, Missouri Corporate Credit Union, Sunshine Center School, Watco Manufacturing, Any Missouri-chartered credit union - Association Any Missouri-chartered credit union Verified from [City Credit Union's membership page](https://www.city-cu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for City Credit Union Geography 1 county · Employers 19 · Associations · Family 23 published paths to membership, last verified August 27, 2026, quoted from City Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Jackson County, MO “People who live or work in Jackson County” > [source ↗](https://www.city-cu.com/membership) ### Employers 19 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Barbour Concrete “Barbour Concrete” > [source ↗](https://www.city-cu.com/membership) - Employee of Barbour Concrete - Employee of Central Jackson County Fire Protection District “Central Jackson County Fire Protection District” > [source ↗](https://www.city-cu.com/membership) - Employee of Central Jackson County Fire Protection District - Employee of City of Blue Springs “City of Blue Springs” > [source ↗](https://www.city-cu.com/membership) - Employee of City of Blue Springs - Employee of City of Grain Valley “City of Grain Valley” > [source ↗](https://www.city-cu.com/membership) - Employee of City of Grain Valley - Employee of City of Independence “City of Independence” > [source ↗](https://www.city-cu.com/membership) - Employee of City of Independence - Employee of City of Independence Housing Authority “City of Independence Housing Authority” > [source ↗](https://www.city-cu.com/membership) - Employee of City of Independence Housing Authority - Employee of City of Oak Grove “City of Oak Grove” > [source ↗](https://www.city-cu.com/membership) - Employee of City of Oak Grove - Employee of City of Sugar Creek “City of Sugar Creek” > [source ↗](https://www.city-cu.com/membership) - Employee of City of Sugar Creek - Employee of Comcast “Comcast” > [source ↗](https://www.city-cu.com/membership) - Employee of Comcast - Employee of Eskew’s Fine Jewelers “Eskew’s Fine Jewelers” > [source ↗](https://www.city-cu.com/membership) - Employee of Eskew’s Fine Jewelers - Employee of Fike Corporation “Fike Corporation” > [source ↗](https://www.city-cu.com/membership) - Employee of Fike Corporation - Employee of GE Transportation Systems “GE Transportation Systems” > [source ↗](https://www.city-cu.com/membership) - Employee of GE Transportation Systems - Employee of Government Employees Hospital Association “Government Employees Hospital Association” > [source ↗](https://www.city-cu.com/membership) - Employee of Government Employees Hospital Association - Employee of Little Blue Valley Sewer District “Little Blue Valley Sewer District” > [source ↗](https://www.city-cu.com/membership) - Employee of Little Blue Valley Sewer District - Employee of Mid-Continent Public Library “Mid-Continent Public Library” > [source ↗](https://www.city-cu.com/membership) - Employee of Mid-Continent Public Library - Employee of Missouri Corporate Credit Union “Missouri Corporate Credit Union” > [source ↗](https://www.city-cu.com/membership) - Employee of Missouri Corporate Credit Union - Employee of Sunshine Center School “Sunshine Center School” > [source ↗](https://www.city-cu.com/membership) - Employee of Sunshine Center School - Employee of Watco Manufacturing “Watco Manufacturing” > [source ↗](https://www.city-cu.com/membership) - Employee of Watco Manufacturing - Employee of Any Missouri-chartered credit union (as written on the source page) “Any Missouri-chartered credit union” > [source ↗](https://www.city-cu.com/membership) - Employee of Any Missouri-chartered credit union ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Any Missouri-chartered credit union “Any Missouri-chartered credit union” > [source ↗](https://www.city-cu.com/membership) - Member of Any Missouri-chartered credit union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Immediate family members of any current City Credit Union account holder.” > [source ↗](https://www.city-cu.com/membership) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for City Credit Union? Yes No ## Work at City Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where City Credit Union ranks against Missouri peers. - See which AI assistants fetched City Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Missouri - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=city&state=missouri&code=MO&name=City%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does City Credit Union offer? City Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are City Credit Union rates updated? RateAPI verifies City Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get City Credit Union's rate data? Rate data is collected directly from City Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are City Credit Union's auto, rv & motorcycle loan rates? As of November 12, 2026, City Credit Union offers vehicle loans from 4.84% APR. ### What is City Credit Union's personal loan rate? As of November 12, 2026, City Credit Union offers personal loans from 2.5% APR. ### Who can join City Credit Union? City Credit Union publishes its membership criteria on its own website. RateAPI tracks 23 published membership paths covering 1 county, 19 employers and 1 association for City Credit Union, each quoted from City Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare City Credit Union's rates against national credit-union benchmarks. [More Missouri credit unions](https://rateapi.dev/credit-unions/missouri) [Missouri auto loan rate leaders](https://rateapi.dev/auto-loan-rates/missouri) [Missouri HELOC rate leaders](https://rateapi.dev/heloc-rates/missouri) [Missouri personal loan leaders](https://rateapi.dev/personal-loan-rates/missouri) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.city-cu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track City Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Missouri credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for City Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /city " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## City Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/missouri/city Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp