☰

Home›
Credit Unions›
First Missouri Credit Union

iAdvertiser Disclosure

First Missouri Credit Union Rates & Review May 2026

Q: Is a member application needed to join First Missouri Credit Union?

Yes, to access services at First Missouri 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, First Missouri 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: May 5, 2026

First Missouri Credit Union's Personal Loan Rates are at 7.20%. MonitorBankRates evaluates the financial stability of First Missouri Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.19%. Rates were last updated on 05/05/2026.

First Missouri 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 First Missouri Credit Union? Share your experience about First Missouri Credit Union by leaving a review below, or read customer reviews before you decide to use First Missouri Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.19%

Excellent Higher than avg

First Missouri Credit Union
Main Office

1690 Lemay Ferry Rd
Saint Louis, MO 63125

https://www.1stmocu.org

First Missouri Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans - Variable-Rate	-	-	5.26%
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.19%

First Missouri Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit - Quarterly Adjusted Rate	-	-	5.99%
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.19%
Home Equity Line of Credit - Annually Adjusted Rate	-	-	7.50%
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.19%

First Missouri Credit Union Personal Loan Rates

Product	Rate	APR	View More
Non-Personal/Commercial Loans	-	7.20%
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.19%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Missouri 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 First Missouri 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 First Missouri Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Missouri Credit Union

Website https://www.1stmocu.org

Address 1690 Lemay Ferry Rd, Saint Louis, MO 63125

Phone 314-544-5050

Fax 314-544-1088

President Michael Stemmler

CEO Steve Poniewaz

Full-Time Employees 29

Part-Time Employees 4

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.19%

Return on Assets (ROA)

0.2480%

Return on Equity (ROE)

2.3257%

Non-Performing Loans Ratio (NPL)

1.55%

Total Assets

113,763,274

Total Amount of Shares and Deposits

101,036,212

Total Shares and Deposits < 1 Year

98,038,537

Total Shares and Deposits 1 3 Years

2,592,205

Total Shares and Deposits > 3 Years

405,469

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

1,309,926

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

1,309,926

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

99,726,286

Total Interest Expense (Sum of items 6 8)

1,266,436

Share Certificates

531

Number of Accounts for Share Drafts

4,100

IRA KEOGH Accounts

Number of Accounts for Regular Shares

8,314

Non Member Deposits

Money Market Shares

354

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,930,193

Total Liabilities

102,209,668

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for First Missouri Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Missouri Credit Union

Frequently Asked Questions About First Missouri Credit Union

Is First Missouri Credit Union a safe place to deposit money?

Yes, First Missouri Credit Union is considered a safe financial institution. With a Texas Ratio of 11.188563664004%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does First Missouri Credit Union operate?

First Missouri 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 First Missouri Credit Union?

Yes, to access services at First Missouri 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, First Missouri 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, First Missouri Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Missouri Credit Union offer online and mobile banking?

Most modern institutions like First Missouri 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.1stmocu.org.