What are the current interest rates at De Soto Mo Pac Credit Union?

Current rates for De Soto Mo Pac Credit Union include: 12-Month CD: 5.09%

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De Soto Mo Pac Credit Union

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De Soto Mo Pac Credit Union Rates & Review September 2026

Q: Is a member application needed to join De Soto Mo Pac Credit Union?

Yes, to access services at De Soto Mo Pac Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, De Soto Mo Pac Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 9, 2026

De Soto Mo Pac Credit Union's 1 year CD of Deposit rates are at 5.09%. De Soto Mo Pac Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of De Soto Mo Pac Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.23%. Rates last updated and verified on 09/09/2026.

De Soto Mo Pac Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at De Soto Mo Pac Credit Union? Share your experience about De Soto Mo Pac Credit Union by leaving a review below, or read customer reviews before you decide to use De Soto Mo Pac Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.23%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

De Soto Mo Pac Credit Union
Main Office

2082 Rock Rd
De Soto, MO 63020-1052

https://www.desotomopaccu.com

De Soto Mo Pac Credit Union CD Rates

Product	Rate	APY	Term	View More
1 year Certificate of Deposit	5.00%	5.09%	1 year
Min Deposit $5,000 Details $100,000.00 maximum for each certificate. 90 penalty for early withdrawal, 10 day grace period at end of contract. Dividends are paid quarterly and deposited to certificate. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

De Soto Mo Pac Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.75%	up to 60 months
Details Value determined by KBB.com. Loan maximum of 100% of MSRP or KBB retail price. 2024 - 2021 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Autos and Motorcycles (2026-2023)	-	-	5.50%	up to 60 months
Details Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Vehicle Loan	-	-	6.00%	up to 78 months
Details Value determined by KBB.com. Loan maximum of 100% of MSRP or KBB retail price. 2024 - 2021 ($15,000 minimum) Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Vehicle Loan	-	-	6.25%	up to 60 months
Details Value determined by KBB.com. Loan maximum of 100% of MSRP or KBB retail price. 2020 - 2018 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Vehicle Loan	-	-	6.50%	up to 84 months
Details Value determined by KBB.com. Loan maximum of 100% of MSRP or KBB retail price. 2024 - 2021 ($20,000 minimum) Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Autos and Motorcycles (2026-2023)	-	-	6.50%	up to 78 months
Details Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Vehicle Loan	-	-	7.00%	up to 48 months
Details Value determined by KBB.com. Loan maximum of 100% of MSRP or KBB retail price. 2013 & older Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Autos and Motorcycles (2022-2016)	-	-	7.50%	up to 60 months
Details Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Autos and Motorcycles (2026-2023)	-	-	7.50%	up to 84 months
Details Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Autos and Motorcycles (2022-2016)	-	-	8.00%	up to 72 months
Details Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Autos and Motorcycles (2015 & older)	-	-	8.50%	up to 48 months
Details Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks. On all the following collateral the maximum amount to finance is 75% of the MSRP or NADA retail value. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

De Soto Mo Pac Credit Union Personal Loan Rates

Product	APR	Term
Boats including Motor and Trailer, Personal Watercraft (New) Loan	9.00%	60 months
Details Maximum amount to finance is 75% of the MSRP or NADA retail value. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Boats including Motor and Trailer, Personal Watercraft (New) Loan	9.50%	120 months
Details Maximum amount to finance is 75% of the MSRP or NADA retail value. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Boats including Motor and Trailer, Personal Watercraft (Used) Loan	9.50%	60 months
Details Maximum amount to finance is 75% of the MSRP or NADA retail value. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%
Unsecured Loan	10.00%	1
Details Term: Up to $1,000.00 18 months; Payoff Periods: $1,000.01 to $2,000.00 30 months $2,000.01 to $5,000.00 36 months Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

De Soto Mo Pac Credit Union’s Texas Ratio rose from 3.16% in Q2 2023 to 5.23% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$30M	5.23%	5.0	A+
December 31, 2025	$28M	5.09%	5.0	A+
September 30, 2025	$27M	4.90%	5.0	A+
June 30, 2025	$27M	3.04%	5.0	A+
March 31, 2025	$26M	1.82%	5.0	A+
December 31, 2024	$23M	4.96%	5.0	A+
September 30, 2024	$23M	4.58%	5.0	A+
June 30, 2024	$22M	4.25%	5.0	A+
March 31, 2024	$21M	2.72%	5.0	A+
December 31, 2023	$21M	3.25%	5.0	A+
September 30, 2023	$21M	2.48%	5.0	A+
June 30, 2023	$20M	3.16%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for De Soto Mo Pac Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather De Soto Mo Pac Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with De Soto Mo Pac Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name De Soto Mo Pac Credit Union

Website https://www.desotomopaccu.com

Address 2082 Rock Rd, De Soto, MO 63020-1052

Phone 636-586-9922

Fax 636-586-5642

President Richard Pica

CEO Melissa Thebeau

Full-Time Employees 5

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.23%

Return on Assets (ROA)

0.1489%

Return on Equity (ROE)

1.5284%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

30,057,910

Total Amount of Shares and Deposits

27,030,884

Total Shares and Deposits < 1 Year

27,030,884

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,056,743

Total Uninsured Shares and Deposits > $250K (F+J)

4,056,743

Total Insured Shares and Deposits > $250K (item 17 less item K)

22,974,141

Total Interest Expense (Sum of items 6 8)

152,671

Share Certificates

400

Number of Accounts for Share Drafts

772

Number of Accounts for Regular Shares

1,738

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,041,307

Total Liabilities

27,128,929

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

De Soto Mo Pac Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About De Soto Mo Pac Credit Union

How many branches does De Soto Mo Pac Credit Union operate?

De Soto Mo Pac Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join De Soto Mo Pac Credit Union?

Yes, to access services at De Soto Mo Pac Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, De Soto Mo Pac Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, De Soto Mo Pac Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does De Soto Mo Pac Credit Union offer online and mobile banking?

Most modern institutions like De Soto Mo Pac Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.desotomopaccu.com.