--- title: "Missouri Electric Cooperatives Empl Credit Union Rates: CDs to 5.01%" description: "Missouri Electric Cooperatives Empl Credit Union rates today: savings & CDs up to 5.01% APY, personal loans from 5.75% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Missouri Electric Cooperatives Empl Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/missouri-electric-cooperatives-empl" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Missouri Electric Cooperatives Empl Credit Union Rates: CDs to 5.01% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Land - 5 Year Adjustable** 5 1 arm | — APR | 6.500% | — | Standard | | **Land - 10 Year Adjustable** 10 1 arm | — APR | 7.000% | — | Standard | | **Construction** other | — APR | 7.250% | — | Standard | Missouri Electric Cooperatives Empl Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 18 offers | Product | Published | Rate | Term / condition | Status | | **Auto & Motorcycle Loans (36 Months)** motorcycle_any_36mo | — APR | 3.750% | 36 mo | Standard | | **Auto & Motorcycle Loans (60 Months)** motorcycle_any_60mo | — APR | 4.250% | 60 mo | Standard | | **Auto & Motorcycle Loans (72 Months)** motorcycle_any_72mo | — APR | 4.500% | 72 mo | Standard | | **Auto & Motorcycle Loans (48 Months)** motorcycle_any_48mo | — APR | 5.000% | 48 mo | Standard | | **Auto & Motorcycle Loans (84 Months)** motorcycle_any_84mo | — APR | 5.500% | 84 mo | Standard | | **Auto & Motorcycle Loans (2024 & Newer)** motorcycle_any_36mo | — APR | 7.500% | 36 mo | Standard | | **Auto & Motorcycle Loans (2024 & Newer)** motorcycle_any_60mo | — APR | 8.000% | 60 mo | Standard | | **Auto & Motorcycle Loans (2024 & Newer)** motorcycle_any_72mo | — APR | 8.250% | 72 mo | Standard | | **Auto & Motorcycle Loans (2023 & Older)** motorcycle_used_36mo | — APR | 8.500% | 36 mo · used | Standard | | **Auto & Motorcycle Loans (2023 & Older)** motorcycle_used_48mo | — APR | 8.750% | 48 mo · used | Standard | | **Other Titled Collateral Loans (2024 & Newer)** auto_any_48mo | — APR | 8.750% | 48 mo | Standard | | **Auto & Motorcycle Loans (2023 & Older)** motorcycle_used_60mo | — APR | 9.000% | 60 mo · used | Standard | | **Auto & Motorcycle Loans (2024 & Newer)** motorcycle_any_84mo | — APR | 9.250% | 84 mo | Standard | | **Other Titled Collateral Loans (2024 & Newer)** auto_any_60mo | — APR | 9.250% | 60 mo | Standard | | **Other Titled Collateral Loans (2023 & Older)** auto_used_36mo | — APR | 9.750% | 36 mo · used | Standard | | **Auto & Motorcycle Loans (2023 & Older)** motorcycle_used_72mo | — APR | 9.750% | 72 mo · used | Standard | | **Other Titled Collateral Loans (2023 & Older)** auto_used_48mo | — APR | 10.000% | 48 mo · used | Standard | | **Other Titled Collateral Loans (2023 & Older)** auto_used_60mo | — APR | 10.250% | 60 mo · used | Standard | Missouri Electric Cooperatives Empl Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 7.500% | — | Standard | Missouri Electric Cooperatives Empl Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Short-term Personal (with credit score 650 or >)** personal | 5.750% APR | 6.000% | — | Standard | | **Short-term Personal (with credit score 650 or >)** personal_unsecured_18mo | — APR | 6.000% | 18 mo | Standard | | **Home Improvement** personal | 6.750% APR | 7.000% | — | Standard | | **Home Improvement** personal_unsecured_60mo | — APR | 7.000% | 60 mo | Standard | | **Platinum Personal** personal | 8.750% APR | 9.000% | — | Standard | | **Platinum Personal** personal_unsecured_60mo | — APR | 9.000% | 60 mo | Standard | | **Short-term Personal (with credit score of less than 650)** personal | 10.750% APR | 11.000% | — | Standard | | **Short-term Personal (with credit score of less than 650)** personal_unsecured_18mo | — APR | 11.000% | 18 mo | Standard | | **Personal Loan** personal | 12.750% APR | 13.000% | — | Standard | | **60-Month Personal Loan** personal_unsecured_60mo | — APR | 13.000% | 60 mo | Standard | | **Personal Line of Credit** ploc_variable | 14.250% APR | 14.500% | — | Standard | | **Overdraft Line of Credit** personal | 14.250% APR | 14.500% | — | Standard | | **24-Month Personal Line of Credit** ploc_variable | — APR | 14.500% | 24 mo | Standard | | **24-Month Overdraft Line of Credit** personal_unsecured_24mo | — APR | 14.500% | 24 mo | Standard | Missouri Electric Cooperatives Empl Credit Union personal loan rates as of November 13, 2026 ### Student loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Student Loan** student | 5.750% APR | 6.000% | — | Standard | | **Student Loan** student | — APR | 6.000% | — | Standard | Missouri Electric Cooperatives Empl Credit Union student loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Visa (with credit score 650 or >)** credit_card_platinum | 7.750% APR | 8.000% | — | Standard | | **Platinum Visa (with credit score of less than 650)** credit_card_platinum | 12.250% APR | 12.500% | — | Standard | Missouri Electric Cooperatives Empl Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 32 offers | Product | Published | Rate | Term / condition | Status | | **3 Months Jumbo** cd_3mo | 3.85% APY | 3.80% | 3 mo | Standard | | **3-Month Certificate** cd_3mo | 3.85% APY | 3.80% | 3 mo | Standard | | **3 Months Jumbo+** cd_3mo | 3.85% APY | 3.80% | 3 mo | Standard | | **3 Months Jumbo IRA** ira | 3.87% APY | 3.80% | 3 mo | Standard | | **6 Months Jumbo+** cd_6mo | 4.06% APY | 4.00% | 6 mo | Standard | | **6 Months Jumbo** cd_6mo | 4.06% APY | 4.00% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 4.06% APY | 4.00% | 6 mo | Standard | | **6 Months Jumbo IRA** ira | 4.07% APY | 4.00% | 6 mo | Standard | | **12 Months Jumbo** cd_12mo | 4.22% APY | 4.15% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | 4.22% APY | 4.15% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | 4.22% APY | 4.15% | 18 mo | Standard | | **12 Months Jumbo+** cd_12mo | 4.22% APY | 4.15% | 12 mo | Standard | | **12 Months Jumbo IRA** ira | 4.23% APY | 4.15% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | 4.27% APY | 4.20% | 24 mo | Standard | | **18 Months Jumbo** cd_18mo | 4.32% APY | 4.25% | 18 mo | Standard | | **36-Month Certificate** cd_36mo | 4.37% APY | 4.30% | 36 mo | Standard | | **18 Months Jumbo+** cd_18mo | 4.37% APY | 4.30% | 18 mo | Standard | | **24 Months Jumbo** cd_24mo | 4.37% APY | 4.30% | 24 mo | Standard | | **18 Months Jumbo IRA** ira | 4.39% APY | 4.30% | 18 mo | Standard | | **24 Months Jumbo+** cd_24mo | 4.42% APY | 4.35% | 24 mo | Standard | | **24 Months Jumbo IRA** ira | 4.44% APY | 4.35% | 24 mo | Standard | | **36 Months Jumbo** cd_36mo | 4.47% APY | 4.40% | 36 mo | Standard | | **36 Months Jumbo+** cd_36mo | 4.52% APY | 4.45% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | 4.52% APY | 4.45% | 60 mo | Standard | | **36 Months Jumbo IRA** ira | 4.54% APY | 4.45% | 36 mo | Standard | | **60 Months Jumbo** cd_60mo | 4.63% APY | 4.55% | 60 mo | Standard | | **60 Months Jumbo+** cd_60mo | 4.68% APY | 4.60% | 60 mo | Standard | | **60 Months Jumbo IRA** ira | 4.70% APY | 4.60% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 4.84% APY | 4.75% | 48 mo | Standard | | **48 Months Jumbo** cd_48mo | 4.94% APY | 4.85% | 48 mo | Standard | | **48 Months Jumbo+** cd_48mo | 4.99% APY | 4.90% | 48 mo | Standard | | **48 Months Jumbo IRA** ira | 5.01% APY | 4.90% | 48 mo | Standard | Missouri Electric Cooperatives Empl Credit Union savings & cd rates as of November 13, 2026 Personal loan rates from 5.75% APR. Credit card rates from 7.75% APR. Savings and certificate yields up to 5.01% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/missouri-electric-cooperatives-empl) , verified from [Missouri Electric Cooperatives Empl Credit Union's official website](https://www.mececu.com/) Best product position **Better than the Missouri median** personal loan Gap to state best **325 bp** 325 bp from state best Vs. state median **475 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 | 5.75% | Better than the Missouri median | 325 bp from state best | 475 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Missouri Electric Cooperatives Empl 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=missouri-electric-cooperatives-empl&state=missouri&code=MO&name=Missouri%20Electric%20Cooperatives%20Empl%20Credit%20Union) Loading branch locator… ## About Missouri Electric Cooperatives Empl Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 13.7K Assets $387.8M Founded 1975 Locations reported 1 NCUA charter 67739 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements - Mobile check deposit - Mobile payments - Financial education - 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. [**Multipli** Eastland · Jefferson City · MO · 65101 About 3.6 miles away](https://rateapi.dev/credit-unions/missouri/multipli) [**Civic Central** Civic Central Credit Union · Jefferson City · MO · 65101 About 5.6 miles away](https://rateapi.dev/credit-unions/missouri/civic-central) [**Conservation Employees** Missouri Baptist Credit Union · Jefferson City · MO · 65101 About 5.6 miles away](https://rateapi.dev/credit-unions/missouri/conservation-employees) [**Missouri Baptist** Main Office · Jefferson City · MO · 65101 About 5.6 miles away](https://rateapi.dev/credit-unions/missouri/missouri-baptist) [**Highway Alliance** Main Office · Jefferson city · MO · 65109 About 7.0 miles away](https://rateapi.dev/credit-unions/missouri/highway-alliance) [**Emerald Credit Association** CSPI- Aurora · Jefferson City · MO · 65109 About 7.1 miles away](https://rateapi.dev/credit-unions/south-carolina/emerald-credit-association) 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 Missouri Electric Cooperatives Empl Credit Union Membership eligibility from Missouri Electric Cooperatives Empl Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Missouri Electric Cooperatives Empl Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, MECE Credit Union Verified from [Missouri Electric Cooperatives Empl Credit Union's membership page](https://www.mececu.com/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Missouri Electric Cooperatives Empl Credit Union Employers 9 · Family 10 published paths to membership, last verified November 8, 2026, quoted from Missouri Electric Cooperatives Empl Credit Union’s own published criteria. ### Employers 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Rural Missouri Electric Cooperatives “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of Rural Missouri Electric Cooperatives - Employee of KAMO Power “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of KAMO Power - Employee of Northeast Oklahoma “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of Northeast Oklahoma - Employee of Access Energy “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of Access Energy - Employee of Chariton Valley “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of Chariton Valley - Employee of Southern Iowa “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of Southern Iowa - Employee of Ozarks Electric (AR) “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of Ozarks Electric (AR) - Employee of AMEC “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of AMEC - Employee of MECE Credit Union “Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees” > [source ↗](https://www.mececu.com/become-a-member/) - Employee of MECE Credit Union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “Who's eligible? Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, & MECE Credit Union employees, and the immediate families of each are eligible for membership!” > [source ↗](https://www.mececu.com/become-a-member/) - 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 Missouri Electric Cooperatives Empl Credit Union? Yes No ## Work at Missouri Electric Cooperatives Empl 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 Missouri Electric Cooperatives Empl Credit Union ranks against Missouri peers. - See which AI assistants fetched Missouri Electric Cooperatives Empl 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=missouri-electric-cooperatives-empl&state=missouri&code=MO&name=Missouri%20Electric%20Cooperatives%20Empl%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Missouri Electric Cooperatives Empl Credit Union offer? Missouri Electric Cooperatives Empl Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Missouri Electric Cooperatives Empl Credit Union rates updated? RateAPI verifies Missouri Electric Cooperatives Empl Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Missouri Electric Cooperatives Empl Credit Union's rate data? Rate data is collected directly from Missouri Electric Cooperatives Empl Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Missouri Electric Cooperatives Empl Credit Union's personal loan rate? As of November 13, 2026, Missouri Electric Cooperatives Empl Credit Union offers personal loans from 5.75% APR. ### What is Missouri Electric Cooperatives Empl Credit Union's best CD rate? As of November 13, 2026, Missouri Electric Cooperatives Empl Credit Union offers savings and certificate (CD) yields up to 5.01% APY. ### Who can join Missouri Electric Cooperatives Empl Credit Union? Missouri Electric Cooperatives Empl Credit Union publishes its membership criteria on its own website. RateAPI tracks 10 published membership paths covering 9 employers for Missouri Electric Cooperatives Empl Credit Union, each quoted from Missouri Electric Cooperatives Empl Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Missouri Electric Cooperatives Empl Credit Union's rates against national credit-union benchmarks. [More Missouri credit unions](https://rateapi.dev/credit-unions/missouri) [Missouri mortgage rate leaders](https://rateapi.dev/mortgage-rates/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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.mececu.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 Missouri Electric Cooperatives Empl 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 Missouri Electric Cooperatives Empl Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /missouri-electric-cooperatives-empl " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Missouri Electric Cooperatives Empl 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/missouri-electric-cooperatives-empl Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp