What are the current interest rates at MECE Credit Union?

Current rates for MECE Credit Union include: 12-Month CD: 4.22%, 18-Month CD: 4.22%, 24-Month CD: 4.27%, 60-Month CD: 4.52%, Savings: 3.56%

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MECE Credit Union

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MECE Credit Union Rates & Review October 2026

Q: How many branches does MECE Credit Union operate?

MECE 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.

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

Yes, to access services at MECE 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: Is there a first-time homebuyer program?

Currently, MECE 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MECE 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: October 10, 2026

MECE Credit Union's top rates as of October 10, 2026 are 4.70% APY on its 60 month Jumbo IRA CD, 3.56% APY on savings, 0.25% APY on checking, personal loans from 6.00% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other MECE Credit Union CD rates include IRA & HSA CDs - 60 month Jumbo IRA at 4.70%, 60 month Jumbo+ CD at 4.68%, and 48 month Jumbo IRA at 4.65%. MonitorBankRates evaluates the financial stability of MECE Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.67%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

MECE Credit Union
Main Office

2722 E McCarty St
Jefferson City, MO 65101-4428

https://www.mececu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

MECE Credit Union CD Rates

Product	Rate	APY	Term
60 month Jumbo IRA	4.60%	4.70%	60 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45% Oct 10, 20264.70%▲ from 4.54% Sep 27, 20264.54%▲ from 4.45% Sep 14, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 60 month Jumbo IRA	4.60%	4.70%	60 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.54% → 4.70% ▲ 0.16 pts · high 4.70% / low 4.54% Oct 10, 20264.70%▲ from 4.54% Sep 14, 20264.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
60 month Jumbo+ Certificate	4.60%	4.68%	60 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.45% → 4.68% ▲ 0.23 pts · high 4.68% / low 4.45% Oct 10, 20264.68%▲ from 4.52% Sep 27, 20264.52%▲ from 4.45% Sep 18, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
48 month Jumbo IRA	4.55%	4.65%	48 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.55% → 4.65% ▲ 0.10 pts · high 4.65% / low 4.55% Sep 27, 20264.65%▲ from 4.55% Sep 14, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 48 month Jumbo IRA	4.55%	4.65%	48 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
48 month Jumbo+ Certificate	4.55%	4.63%	48 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.55% → 4.63% ▲ 0.08 pts · high 4.63% / low 4.55% Sep 27, 20264.63%▲ from 4.55% Sep 18, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
60 month Jumbo Certificate	4.55%	4.63%	60 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.40% → 4.63% ▲ 0.23 pts · high 4.63% / low 4.40% Oct 10, 20264.63%▲ from 4.52% Sep 27, 20264.52%▲ from 4.40% Sep 18, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
48 month Jumbo Certificate	4.50%	4.58%	48 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.55% → 4.58% ▲ 0.03 pts · high 4.58% / low 4.55% Sep 27, 20264.58%▲ from 4.55% Sep 18, 20264.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
36 month Jumbo IRA	4.45%	4.54%	36 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.24 pts · high 4.54% / low 4.30% Oct 10, 20264.54%▲ from 4.39% Sep 27, 20264.39%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
60 Month Certificate	4.45%	4.54%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.37% → 4.54% ▲ 0.17 pts · high 4.54% / low 4.37% Oct 10, 20264.54%▲ from 4.37% Sep 14, 20264.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 36 month Jumbo IRA	4.45%	4.54%	36 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39% Oct 10, 20264.54%▲ from 4.39% Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 60 month	4.45%	4.54%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 4.54% ▲ 0.15 pts · high 4.54% / low 4.39% Oct 10, 20264.54%▲ from 4.39% Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
36 month Jumbo+ Certificate	4.45%	4.52%	36 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.30% → 4.52% ▲ 0.22 pts · high 4.52% / low 4.30% Oct 10, 20264.52%▲ from 4.37% Sep 27, 20264.37%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
60 Month Certificate	4.45%	4.52%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.37% → 4.52% ▲ 0.15 pts · high 4.52% / low 4.37% Oct 10, 20264.52%▲ from 4.37% Sep 14, 20264.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
48 Month Certificate	4.40%	4.49%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.47% → 4.49% ▲ 0.02 pts · high 4.49% / low 4.47% Oct 10, 20264.49%▲ from 4.47% Sep 14, 20264.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 48 month	4.40%	4.49%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
36 month Jumbo Certificate	4.40%	4.47%	36 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.30% → 4.47% ▲ 0.17 pts · high 4.47% / low 4.30% Oct 10, 20264.47%▲ from 4.37% Sep 27, 20264.37%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
48 Month Certificate	4.40%	4.47%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.47% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
24 month Jumbo IRA	4.35%	4.44%	24 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.30% → 4.44% ▲ 0.14 pts · high 4.44% / low 4.30% Oct 10, 20264.44%▲ from 4.39% Sep 27, 20264.39%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 24 month Jumbo IRA	4.35%	4.44%	24 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 4.44% ▲ 0.05 pts · high 4.44% / low 4.39% Oct 10, 20264.44%▲ from 4.39% Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
24 month Jumbo+ Certificate	4.35%	4.42%	24 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.30% → 4.42% ▲ 0.12 pts · high 4.42% / low 4.30% Oct 10, 20264.42%▲ from 4.37% Sep 27, 20264.37%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
12 month Jumbo IRA	4.30%	4.39%	12 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.10% → 4.39% ▲ 0.29 pts · high 4.39% / low 4.10% Oct 10, 20264.39%▲ from 4.18% Sep 27, 20264.18%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
18 month Jumbo IRA	4.30%	4.39%	18 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.25% → 4.39% ▲ 0.14 pts · high 4.39% / low 4.25% Oct 10, 20264.39%▲ from 4.33% Sep 27, 20264.33%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
36 Month Certificate	4.30%	4.39%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.22% → 4.39% ▲ 0.17 pts · high 4.39% / low 4.22% Oct 10, 20264.39%▲ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 12 month Jumbo IRA	4.30%	4.39%	12 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.39% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 18 month Jumbo IRA	4.30%	4.39%	18 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.33% → 4.39% ▲ 0.06 pts · high 4.39% / low 4.33% Oct 10, 20264.39%▲ from 4.33% Sep 14, 20264.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 36 month	4.30%	4.39%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.23% → 4.39% ▲ 0.16 pts · high 4.39% / low 4.23% Oct 10, 20264.39%▲ from 4.23% Sep 14, 20264.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
12 month Jumbo+ Certificate	4.30%	4.37%	12 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.10% → 4.37% ▲ 0.27 pts · high 4.37% / low 4.10% Oct 10, 20264.37%▲ from 4.16% Sep 27, 20264.16%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
18 month Jumbo+ Certificate	4.30%	4.37%	18 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.20% → 4.37% ▲ 0.17 pts · high 4.37% / low 4.20% Oct 10, 20264.37%▲ from 4.32% Sep 27, 20264.32%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
24 month Jumbo Certificate	4.30%	4.37%	24 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 4.37% ▲ 0.07 pts · high 4.37% / low 4.30% Sep 27, 20264.37%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
36 Month Certificate	4.30%	4.37%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22% Oct 10, 20264.37%▲ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
12 month Jumbo Certificate	4.25%	4.32%	12 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.10% → 4.32% ▲ 0.22 pts · high 4.32% / low 4.10% Oct 10, 20264.32%▲ from 4.16% Sep 27, 20264.16%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
18 month Jumbo Certificate	4.25%	4.32%	18 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.32% ▲ 0.12 pts · high 4.32% / low 4.20% Sep 27, 20264.32%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
24 Month Certificate	4.20%	4.28%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.22% → 4.28% ▲ 0.06 pts · high 4.28% / low 4.22% Oct 10, 20264.28%▲ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 24 month	4.20%	4.28%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.23% → 4.28% ▲ 0.05 pts · high 4.28% / low 4.23% Oct 10, 20264.28%▲ from 4.23% Sep 14, 20264.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
24 Month Certificate	4.20%	4.27%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.22% → 4.27% ▲ 0.05 pts · high 4.27% / low 4.22% Oct 10, 20264.27%▲ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
12 Month Certificate	4.15%	4.23%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16% Oct 10, 20264.23%▲ from 4.16% Sep 14, 20264.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
18 Month Certificate	4.15%	4.23%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.16% → 4.23% ▲ 0.07 pts · high 4.23% / low 4.16% Oct 10, 20264.23%▲ from 4.16% Sep 14, 20264.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6 month Jumbo IRA	4.15%	4.23%	6 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 3.90% → 4.23% ▲ 0.33 pts · high 4.23% / low 3.90% Oct 10, 20264.23%▲ from 3.97% Sep 27, 20263.97%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 12 month	4.15%	4.23%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18% Oct 10, 20264.23%▲ from 4.18% Sep 14, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 18 month	4.15%	4.23%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18% Oct 10, 20264.23%▲ from 4.18% Sep 14, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 6 month Jumbo IRA	4.15%	4.23%	6 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.23% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
12 Month Certificate	4.15%	4.22%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16% Oct 10, 20264.22%▲ from 4.16% Sep 14, 20264.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
18 Month Certificate	4.15%	4.22%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.16% → 4.22% ▲ 0.06 pts · high 4.22% / low 4.16% Oct 10, 20264.22%▲ from 4.16% Sep 14, 20264.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6 month Jumbo+ Certificate	4.15%	4.22%	6 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 3.90% → 4.22% ▲ 0.32 pts · high 4.22% / low 3.90% Oct 10, 20264.22%▲ from 3.96% Sep 27, 20263.96%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6 month Jumbo Certificate	4.10%	4.16%	6 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 3.90% → 4.16% ▲ 0.26 pts · high 4.16% / low 3.90% Oct 10, 20264.16%▲ from 3.96% Sep 27, 20263.96%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6 Month Certificate	4.00%	4.07%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.96% → 4.07% ▲ 0.11 pts · high 4.07% / low 3.96% Oct 10, 20264.07%▲ from 3.96% Sep 14, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 6 month	4.00%	4.07%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97% Oct 10, 20264.07%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
6 Month Certificate	4.00%	4.06%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96% Oct 10, 20264.06%▲ from 3.96% Sep 14, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3 month Jumbo IRA	3.95%	4.02%	3 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 4.02% ▲ 0.52 pts · high 4.02% / low 3.50% Oct 10, 20264.02%▲ from 3.56% Sep 27, 20263.56%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 3 month Jumbo IRA	3.95%	4.02%	3 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3 month Jumbo+ Certificate	3.95%	4.01%	3 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55% Oct 10, 20264.01%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3 month Jumbo Certificate	3.90%	3.96%	3 Months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.96% ▲ 0.41 pts · high 3.96% / low 3.55% Oct 10, 20263.96%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3 Month Certificate	3.80%	3.87%	3 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.87% ▲ 0.32 pts · high 3.87% / low 3.55% Oct 10, 20263.87%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
IRA & HSA Certificates - 3 month	3.80%	3.87%	3 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56% Oct 10, 20263.87%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
3 Month Certificate	3.80%	3.85%	3 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Oct 10, 20263.85%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Savings Rates

Product	Rate	APY
High Yield Emergency Savings	3.50%	3.56%
Min Balance $2,000 Details Maximum - $20,000.00 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Health Savings (HSA)	2.50%	2.53%
Details Apply Now Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Savings	1.25%	1.26%
Details Open Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.25%	0.25%
Details Open Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity	7.25%	-	7.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Equity	8.25%	-	8.25%
Details Secondary Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 8.25% ▲ 1.00 pts · high 8.25% / low 7.25% Sep 18, 20268.25%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2024 & Newer Auto & Motorcycle Loan	-	-	7.50%	36 Months
Details Rate with Maximum Discount*: 3.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2024 & Newer	7.50%	-	7.50%	36 Months
Details Rate with Maximum Discount*: 3.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2024 & Newer Auto & Motorcycle Loan	-	-	8.00%	60 Months
Details Rate with Maximum Discount*: 4.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2024 & Newer	8.00%	-	8.00%	60 Months
Details Rate with Maximum Discount*: 4.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2024 & Newer Auto & Motorcycle Loan	-	-	8.25%	72 Months
Details Rate with Maximum Discount*: 4.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2024 & Newer	8.25%	-	8.25%	72 Months
Details Rate with Maximum Discount*: 4.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2023 & Older Auto & Motorcycle Loan	-	-	8.50%	36 Months
Details Rate with Maximum Discount*: 4.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2023 & Older	8.50%	-	8.50%	36 Months
Details Rate with Maximum Discount*: 4.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2023 & Older Auto & Motorcycle Loan	-	-	8.75%	48 Months
Details Rate with Maximum Discount*: 5.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2023 & Older	8.75%	-	8.75%	48 Months
Details Rate with Maximum Discount*: 5.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2023 & Older Auto & Motorcycle Loan	-	-	9.00%	60 Months
Details Rate with Maximum Discount*: 5.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2023 & Older	9.00%	-	9.00%	60 Months
Details Rate with Maximum Discount*: 5.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2024 & Newer Auto & Motorcycle Loan	-	-	9.25%	84 Months
Details Rate with Maximum Discount*: 5.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2024 & Newer	9.25%	-	9.25%	84 Months
Details Rate with Maximum Discount*: 5.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
2023 & Older Auto & Motorcycle Loan	-	-	9.75%	72 Months
Details Rate with Maximum Discount*: 6.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Auto & Motorcycle Loans - 2023 & Older	9.75%	-	9.75%	72 Months
Details Rate with Maximum Discount*: 6.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loan	-	-	6.00%	60-120 Months
Details Rate with Maximum Discount*: 5.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa (with credit score 650 or >)	-	8.00%
Details Rate with Maximum Discount*: 7.75% Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Platinum Visa (with credit score of less than 650)	-	12.50%
Details Rate with Maximum Discount*: 12.25% Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 12.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Personal Loan Rates

Product	APR	Term
Short-term Personal Loan	6.00%	18 Months
Details with credit score 650 or >; Rate with Maximum Discount: 5.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity). Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 11.00% → 6.00% ▼ 5.00 pts · high 11.00% / low 6.00% Sep 27, 20266.00%▼ from 11.00%* Sep 18, 202611.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Platinum Personal Loan	9.00%	60 Months
Details Rate with Maximum Discount*: 8.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Short-term Personal Loan	11.00%	18 Months
Details with credit score of less than 650; Rate with Maximum Discount*: 10.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity). Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Personal Loan	13.00%	60 Months
Details Rate with Maximum Discount*: 12.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

MECE Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loan	7.25%	-	7.25%
Details Residence Type: Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Home Improvement Loan	-	-	7.00%	60 Months
Details Rate with Maximum Discount*: 6.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Land - 10 Year Adjustable	6.75%	-	6.75%	10 Year
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Land - 5 Year Adjustable	6.25%	-	6.25%	5 Year
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Line of Credit	-	-	14.50%	24 Months
Details Rate with Maximum Discount*: 14.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Other Titled Collateral Loans - 2023 & Older	9.75%	-	9.75%	36 Months
Details Rate with Maximum Discount*: 6.00% Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Other Titled Collateral Loans - 2023 & Older	10.00%	-	10.00%	48 Months
Details Rate with Maximum Discount*: 6.25% Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Other Titled Collateral Loans - 2023 & Older	10.25%	-	10.25%	60 Months
Details Rate with Maximum Discount*: 6.50% Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Other Titled Collateral Loans - 2024 & Newer	8.75%	-	8.75%	48 Months
Details Rate with Maximum Discount*: 5.00% Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Other Titled Collateral Loans - 2024 & Newer	9.25%	-	9.25%	60 Months
Details Rate with Maximum Discount*: 5.50% Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%
Secondary Shares Loan	-	-	3.50%
Details Earn Up To On Saved Funds; $2,000 minimum deposit / $20,000 maximum deposit (Funds over $20,000 do not earn dividends); Dividends paid monthly; Free overdraft protection Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.67%

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

MECE Credit Union’s Texas Ratio rose from 0.09% in Q3 2023 to 0.67% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$397M	0.67%	5.0	A+
March 31, 2026	$388M	0.37%	5.0	A+
December 31, 2025	$366M	0.43%	5.0	A+
September 30, 2025	$359M	0.48%	5.0	A+
June 30, 2025	$351M	0.64%	5.0	A+
March 31, 2025	$344M	0.33%	5.0	A+
December 31, 2024	$328M	0.17%	5.0	A+
September 30, 2024	$327M	0.28%	5.0	A+
June 30, 2024	$321M	0.36%	5.0	A+
March 31, 2024	$321M	0.21%	5.0	A+
December 31, 2023	$313M	0.37%	5.0	A+
September 30, 2023	$310M	0.09%	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 MECE 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 MECE 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 MECE Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MECE Credit Union

Website https://www.mececu.com

Address 2722 E McCarty St, Jefferson City, MO 65101-4428

Phone 573-634-2595

Fax 573-635-9781

President Christa Baumhoer

CEO Randy Marks

Full-Time Employees 18

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+ (100/100)

Texas Ratio

0.67%

Return on Assets (ROA)

0.6838%

Return on Equity (ROE)

6.0398%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

396,754,156

Total Amount of Shares and Deposits

344,018,019

Total Shares and Deposits < 1 Year

294,241,469

Total Shares and Deposits 1 3 Years

29,236,800

Total Shares and Deposits > 3 Years

20,539,750

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

41,841,977

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

41,841,977

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

302,176,042

Total Interest Expense (Sum of items 6 8)

4,989,616

Share Certificates

3,506

Number of Accounts for Share Drafts

7,091

IRA KEOGH Accounts

859

Number of Accounts for Regular Shares

17,353

All other shares

4,717

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)

909,763

Total Liabilities

359,001,830

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

MECE Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About MECE Credit Union

How many branches does MECE Credit Union operate?

MECE 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 MECE Credit Union?

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

Does MECE Credit Union offer online and mobile banking?

Most modern institutions like MECE 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.mececu.com.

Current MECE Credit Union Rates

12-Month CD4.22%
18-Month CD4.22%
24-Month CD4.27%
60-Month CD4.52%
Savings3.56%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

MECE Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

MECE Credit Union Texas Ratio

MECE Credit Union Health Trend

MECE Credit Union CD Rates

MECE Credit Union Savings Rates

MECE Credit Union Checking Rates

MECE Credit Union Home Equity & HELOC

MECE Credit Union Auto Loan Rates

MECE Credit Union Student Loan Rates

MECE Credit Union Credit Card Rates

MECE Credit Union Personal Loan Rates

MECE Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

MECE Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MECE Credit Union

How many branches does MECE Credit Union operate?

Is a member application needed to join MECE Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MECE Credit Union offer online and mobile banking?

Current MECE Credit Union Rates

Compare to Other Credit Unions