--- title: "United Credit Union Rates - Missouri" description: "Current personal loan rates from United Credit Union in Missouri. Updated daily with source verification. See who can join United Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/united" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # United Credit Union Rates - Missouri ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Loans (740+)** personal_unsecured | — APR | 9.500% | — | Standard | | **Unsecured Loans (690-739)** personal_unsecured | — APR | 11.500% | — | Standard | | **Unsecured Loans (650-689)** personal_unsecured | — APR | 13.500% | — | Standard | | **Unsecured Loans (610-649)** personal_unsecured | — APR | 15.500% | — | Standard | | **Unsecured Loans (580-609)** personal_unsecured | — APR | 21.500% | — | Standard | | **Unsecured Loans (579 & LOWER)** personal_unsecured | — APR | 23.500% | — | Standard | United Credit Union personal loan rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **579 & Below** other | — % | 17.040% | — | Standard | United Credit Union other rates as of November 13, 2026 United Credit Union is a credit union in Missouri. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/united) , verified from [United Credit Union's official website](https://www.unitedcu.org/) Loading branch locator… ## About United Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 37.5K Assets $303.7M Founded 1935 Locations reported 9 NCUA charter 63597 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - 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. [**Show-Me** Show Me Credit Union · Mexico · MO · 65265-2014 About 2.4 miles away](https://rateapi.dev/credit-unions/missouri/show-me) [**Multipli** Smiley · Columbia · MO · 65202 About 27.5 miles away](https://rateapi.dev/credit-unions/missouri/multipli) [**Columbia** University of Missouri Records Center · Columbia · MO · 65201 About 29.3 miles away](https://rateapi.dev/credit-unions/missouri/columbia) [**West Community** Tigers Community Credit Union · Columbia · MO · 65201-5161 About 29.5 miles away](https://rateapi.dev/credit-unions/missouri/west-community) [**Shelter Insurance** Shelter Credit Union · Columbia · MO · 65218 About 31.0 miles away](https://rateapi.dev/credit-unions/missouri/shelter-insurance) [**Academic Employees** Academic Employees Credit Union · Columbia · MO · 65203-4601 About 31.4 miles away](https://rateapi.dev/credit-unions/missouri/academic-employees) 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 United Credit Union Membership eligibility from United Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on United Credit Union's website. Check the membership page below to confirm whether you qualify. - Location adair, audrain, boone, callaway, chariton, howard, lincoln, linn, macon, marion, monroe, montgomery, pike, ralls, randolph, shelby — MO Verified from [United Credit Union's membership page](https://www.unitedcu.org/join-united) . Final membership determination is always made by the credit union. ## Membership rules for United Credit Union Geography 16 counties 32 published paths to membership, last verified August 27, 2026, quoted from United Credit Union’s own published criteria. ### Geography 16 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Adair County, MO - Audrain County, MO - Boone County, MO - Callaway County, MO - Chariton County, MO - Howard County, MO - Lincoln County, MO - Linn County, MO - Macon County, MO - Marion County, MO - Monroe County, MO - Montgomery County, MO - Pike County, MO - Ralls County, MO - Randolph County, MO - Shelby County, MO “Work or reside in the following counties: Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, and Shelby” > [source ↗](https://www.unitedcu.org/join-united) 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 United Credit Union? Yes No ## Work at United 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 United Credit Union ranks against Missouri peers. - See which AI assistants fetched United 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=united&state=missouri&code=MO&name=United%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does United Credit Union offer? United Credit Union currently offers 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 United Credit Union rates updated? RateAPI verifies United 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 United Credit Union's rate data? Rate data is collected directly from United 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 United Credit Union? United Credit Union publishes its membership criteria on its own website. RateAPI tracks 32 published membership paths covering 16 counties for United Credit Union, each quoted from United Credit Union's own published membership criteria. ## Related Rate Data Compare United Credit Union's rates against national credit-union benchmarks. [More Missouri credit unions](https://rateapi.dev/credit-unions/missouri) [Missouri personal loan leaders](https://rateapi.dev/personal-loan-rates/missouri) [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.unitedcu.org/) ### 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 United 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 United Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /united " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## United Credit Union locations Search, filter, and browse all 9 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/united Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp