United Credit Union Info + Reviews For You

United Credit Union is the non-profit financial institution that we’ll be looking at today. This article will cover important info on them like products, member eligibility, rates and more. By the time you are done reading this, you should have a pretty good idea if this is the right place to put your money.

At the end of this article, you can add in your own personal review of United Credit Union if you have experience with them.

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*Routing #: 281581063

*Phone #: 877-581-8651


907 E. Liberty Street
P.O. Box 858
Mexico, MO 65265

United Credit Union

210 W. Washington Street
Vandalia, MO 63382

1791 E. Outer Road
Moberly, MO 65270

200 Main Street
Troy, MO 63379

3421 Grindstone Parkway
Columbia, MO 65201

1204 S. Business 54
Fulton, MO 65251

A Little History on United Credit Union

UCU has been around since most credit unions out there. They were started in 1935 (probably for depression-era reasons) and today has grown into a sizable CU in Missouri. According to their NCUA profile, United Credit Union has over $250 million in assets.

Since they’re part of the CO-OP ATM network, you can also access your cash from this CU at over 30,000 surcharge-free locations. Those aren’t all credit unions, either. You can get cash at places like 7-Eleven, Costco, Dunkin Donuts and other convenience stores.

Do They Give Back At All at United Credit Union?

It looks like they do give back since there is information about a scholarship for college freshman on their site. In addition to that, there is a picture with people wearing shirts that say “volunteer,” however, I’m not sure if those are their employees.

There are also some financial education resources on their website.

Membership Eligibility

In order to become a member at United Credit Union, you need to be living or working in certain areas of Missouri. These are the counties that qualify you: Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, and Shelby.

This is a smaller field of membership than the typical credit union has, although, that’s not a bad thing. The only thing I wish they had was the family connection option. Almost every other credit union that I’ve reviewed gives people an option to get in if their family belongs.

Products at United Credit Union

You’ll be able to find all of the typical banking products at this Missouri CU. Those will include personal and business products.

The personal products that they have include checking, savings, various “club” accounts, loans, VISA cards, Skip-A-Pay loans, and a digital wallet offering.

There are business/organization accounts that cover things like sole proprietorships, DBAs, LLCs/LLPs, Corporations, Non-profits, Trust accounts and others.

I was a little surprised that they don’t go into detail on their website about what types of accounts they have at United Credit Union for businesses.

Rates at United Credit Union

(all rates current at the time of this writing, however, they are subject to change without notice)

Secured Loans
Effective Date: Tuesday, December 28th, 2021
Autos, Boats, RVs, Motorcycles, Etc.
Credit ScoreGradeAPR* as low as
690 – 739A3.65%
579 & BelowE15.75%
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.
Rates above includes a 0.25% discount available with Direct Deposit, add 0.25% for terms 36-60 months. Add 0.50% for terms 61-72 months. Longer terms available, please contact United for rate information. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted.
Rates stated above are for 2021 and newer secured vehicle loans.

Unsecured Loans

Effective Date: Tuesday, December 28th, 2021
VISA Platinum and Lifestyle Loan
Credit ScoreGradeAPR* as low as
579 & LOWERE21.50%
*Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

Share Secured Loans

2% APR above current CD or Share Rate

Mortgage Loans

United Credit Union offers several Mortgage Loan Options, including 1, 3 and 5 year adjustable, fixed, construction, and Home Equity Loans. Rates may change daily and are based on several factors including credit score, so please call our mortgage department to get our latest rate information.

Click Here For More Information on Mortgages Offered

Fixed Rate Mortgage Loans

Effective Date: Tuesday, December 28th, 2021
Credit Score10 Year Fixed15 Year Fixed

Adjustable Rate Mortgage Loans

Effective Date: Tuesday, December 28th, 2021
Credit Score5/1 ARM3/1 ARM1/1 ARM

Home Equity Line of Credit

Effective Date: Tuesday, December 28th, 2021
Credit Score80% LTV90% LTV

Home Equity Fixed Loans

Effective Date: Tuesday, December 28th, 2021
Credit Score80% LTV90% LTV

Secondary Market Fixed Rate Mortgage at United Credit Union

Effective Date: Tuesday, December 28th, 2021
20 Year Fixed3.000%
30 Year Fixed3.375%
*APY = Annual Percentage Yield

Checking Accounts

Effective Date: Tuesday, December 28th, 2021
Average Daily BalanceDividend RateAPY*
Reward Checking
$0 – $25,0000.50%0.50%
Over $25,0000.15%0.15%
Requirements Not Met0.10%0.10%
Initial deposit of $50 required to open Reward Checking. No minimum balance required to maintain.
Checking Plus
$0 – $10,0000.05%0.05%
Over $10,0000.05%0.05%
Personal Checking Plus – No interest if balance drops below $500.
Business Checking Plus – No interest if balance drops below $1000.
*APY = Annual Percentage Yield.
*A Chex Systems report will be run for all new checking accounts. If you have a previous unpaid collection account with United Credit Union or have been reported for committing fraudulent activity, UCU will not allow a checking account to be opened. See their checking chart opens a pdf to compare all of United Credit Union’s checking options.

Share Savings Accounts at United Credit Union

Effective Date: Tuesday, December 28th, 2021
There is a $1.00 share requirement for each member number that will be held in your regular share account for as long as the account is open.
ProductLast Declared Dividend RateAPY*
Regular Shares, Special Shares, Christmas Club and IRA Shares0.15%0.15%
*APY = Annual Percentage Yield.

United Credit Union – Final Thoughts

UCU is a smaller to mid-size credit union in Missouri that’s worth looking at if you have a small business or need a personal account. They have interest-bearing personal checking/savings products that are competitive with other credit unions as far as rates and terms go.

You will really need to be a local person in order to join here, so, that will limit the amount of members. However, they are a part of the CO-OP shared branch system, so, if you join and then move out of the area, you will still likely be able to access cash/talk to someone about your account at a shared branch location.

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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.

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