--- title: "Multi-States Credit Union Rates - Missouri" description: "Current auto loan, heloc, personal loan, and savings & cd rates from Multi-States Credit Union in Missouri. Updated daily with source verification. See who can join Multi-States Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/multi-states" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Multi-States Credit Union Rates - Missouri ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | ***APR is the Annual Percentage Rate. (2024 and Older)** auto_used_72mo | — APR | 4.490% | 72 mo · used | Standard | | ***APR is the Annual Percentage Rate. (2024 and Older)** auto_used_180mo | — APR | 4.940% | 180 mo · used | Advertised floor | Multi-States Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.750% | — | Standard | Multi-States Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 2.500% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 19.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 19.000% | — | Standard | Multi-States Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Free Kasasa Cash Back®** savings | — APY | 0.05% | — | Standard | | **Free Kasasa Cash Back® ($200.01 - $2,000.00)** savings | — APY | 0.05% | — | Standard | | **Free Kasasa Cash Back® ($2,000.01 - $10,000.00)** savings | — APY | 0.20% | — | Standard | | **Free Kasasa Cash Back® ($10,000.01 and above)** savings | — APY | 0.50% | — | Standard | | **3-Month Certificate** cd_3mo | — APY | 3.25% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.75% | 6 mo | Standard | | **9-Month Certificate** cd_9mo | — APY | 3.85% | 9 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.90% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.00% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.05% | 24 mo | Standard | | **Certificates of Deposit (9 month Promo*)** cd_9mo | — APY | 4.30% | 9 mo | Standard | Multi-States Credit Union savings & cd rates as of November 13, 2026 ### Other rates 18 offers | Product | Published | Rate | Term / condition | Status | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2022 .)** other | — % | 3.250% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2021 .)** other | — % | 3.250% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2015 .)** other | — % | 3.250% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2014 .)** other | — % | 3.250% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2013 .)** other | — % | 3.250% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2012 .)** other | — % | 3.250% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2011 .)** other | — % | 3.250% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2016 .)** other | — % | 3.500% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE** other | — % | 3.500% | — | Standard | | **Rates subject to change without notice. (Up To 7 Years)** other | — % | 3.740% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2017 .)** other | — % | 3.750% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2018 .)** other | — % | 4.500% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2020 .)** other | — % | 4.750% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2019 .)** other | — % | 5.500% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2025 ..)** other | — % | 7.500% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2023 .)** other | — % | 7.500% | — | Standard | | **WALL STREET JOURNAL PRIME RATE INDEX TABLE (2024 .)** other | — % | 8.500% | — | Standard | | **Emergency Help Loan** other | — % | 28.000% | — | Standard | Multi-States Credit Union other rates as of November 13, 2026 Multi-States Credit Union is a credit union in Missouri. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/multi-states) , verified from [Multi-States Credit Union's official website](https://www.mymercycu.com/) Loading branch locator… ## About Multi-States Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 15K Assets $89.2M Founded 1975 Locations reported 4 NCUA charter 63306 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Credit-builder products 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. [**Assemblies of God** 1776 E Independence · Springfield · MO · 65804 About 0.7 miles away](https://rateapi.dev/credit-unions/missouri/assemblies-of-god) [**Blucurrent** GLENSTONE BRANCH · SPRINGFIELD · MO · 65804-4406 About 0.8 miles away](https://rateapi.dev/credit-unions/missouri/blucurrent) [**Telcomm** E Republic Street branch · Springfield · MO · 65804 About 1.0 miles away](https://rateapi.dev/credit-unions/missouri/telcomm) [**Foundation** Foundation Credit Union · Springfield · MO · 65804 About 1.6 miles away](https://rateapi.dev/credit-unions/missouri/foundation) [**Multipli** Springfield Republic Rd · Springfield · MO · 65807 About 1.8 miles away](https://rateapi.dev/credit-unions/missouri/multipli) [**Metro** Metro Credit Union · Springfield · MO · 65807 About 2.2 miles away](https://rateapi.dev/credit-unions/missouri/metro) 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 Multi-States Credit Union Membership eligibility from Multi-States Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Multi-States Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Multi-States Credit Union's membership page](https://www.mymercycu.com/) . Final membership determination is always made by the credit union. ## Work at Multi-States 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 Multi-States Credit Union ranks against Missouri peers. - See which AI assistants fetched Multi-States 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=multi-states&state=missouri&code=MO&name=Multi-States%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Multi-States Credit Union offer? Multi-States Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Multi-States Credit Union rates updated? RateAPI verifies Multi-States 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 Multi-States Credit Union's rate data? Rate data is collected directly from Multi-States Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Multi-States Credit Union? Multi-States Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Multi-States 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.mymercycu.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 Multi-States 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 Multi-States Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /multi-states " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Multi-States Credit Union locations Search, filter, and browse all 4 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/multi-states Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp