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Show Me Credit Union Rates & Review October 2026

Show Me Credit Union's top rates as of October 13, 2026 are 3.85% APY on its IRA CD - 9 Month Special (Limited Time Only), 0.25% APY on savings, 0.60% APY on money market accounts, personal loans from 8.00% APR, and credit cards from 13.50% APR, according to rates verified by MonitorBankRates. Other Show Me Credit Union CD rates include CD 9 Month Special at 3.85%, 36 Month CD at 2.40%, and 30 Month CD at 2.30%. MonitorBankRates evaluates the financial stability of Show Me Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.22%. Rates last updated and verified on 10/13/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.22%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Show Me Credit Union
Show Me Credit Union
550 S Muldrow St
Mexico, MO 65265-2014
https://showmecu.org
Member NCUA
Customer Reviews
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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.

Show Me Credit Union CD Rates

Product Rate APY Term View More
IRA Certificate - 9 Month Special (Limited Time Only) - 3.85% 9 Month
Details Special (Limited Time Only); $500 Minimum; Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Share Certificate 9 Month Special - 3.85% 9 Month
Min Deposit $500
Details Limited Time Only; Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
36 Month Share Certificate - 2.40% 36 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
30 Month Share Certificate - 2.30% 30 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 6 times
1.80%2.30%2.80%Sep 14, 2026: 2.30% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
24 Month Share Certificate - 2.20% 24 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
IRA Certificate - 24 Month - 2.20% 24 Month
Details $500 Minimum; Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 5 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
18 Month Share Certificate - 2.10% 18 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
12 Month Share Certificate - 2.00% 12 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
IRA Certificate - 12 Month - 2.00% 12 Month
Details $500 Minimum; Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
6 Month Share Certificate - 1.75% 6 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
1 Month Share Certificate - 1.10% 1 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
2 Month Share Certificate - 1.10% 2 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
3 Month Share Certificate - 1.10% 3 Month
Min Deposit $500
Details Dividends compound daily, credited quarterly; Penalties may apply for early withdrawals
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%

Show Me Credit Union Savings Rates

Product Rate APY View More
HSA Savings - 0.25%
No additional details.
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%

Show Me Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.60% 0.60%
Min Balance $50,000
Details Balance: $50,000.01 - $100,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Money Market 0.50% 0.50%
Min Balance $10,000
Details Balance: $10,000.01 - $50,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Money Market 0.35% 0.35%
Min Balance $2,500
Details Balance: $2,500.01 - $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Money Market 0.25% 0.25%
Min Balance $0
Details Balance: $0.00 - $2,500
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%

Show Me Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - New or Used - - 4.75% 60 Months
Details As Low As; Type: New or Used
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Recreation Vehicle Loan - New or Used - - 5.75% 60 Months
Details APR as low as; Rates are the same as Auto Rates; Boats, Tractors, Campers, Trailers and More
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%

Show Me Credit Union Credit Card Rates

Product Rate APR View More
Credit Card - 13.50%
Details Unsecured loan; Offering rates may change
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 6 times
13.00%13.50%14.00%Sep 14, 2026: 13.50% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Unsecured Visa Credit Card - 13.50%
Details APR* = Annual Percentage Rate, based on creditworthiness and term of loan; earn up to 1% cashback on purchases paid as an account credit annually in November
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 13.50% APR
13.00%13.50%14.00%Oct 13, 2026: 13.50% APROct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%

Show Me Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 8.00%
Details As Low As; Unsecured loan; Offering rates may change
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Unsecured Visa Credit Card 13.50%
Details APR* = Annual Percentage Rate, based on creditworthiness and term of loan; earn up to 1% cashback on purchases paid as an account credit annually in November
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 13.50% APR
13.00%13.50%14.00%Oct 13, 2026: 13.50% APROct 13, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%

Show Me Credit Union Other Rates

Product Rate Points APY/APR Term View More
Back to School Loan - - 10.00%
Details Unsecured loan; Offering rates may change
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Holiday Loan 10.00% - 10.00% 11 Months
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Line of Credit - - 16.00%
Details Unsecured loan; Offering rates may change
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 6 times
15.50%16.00%16.50%Sep 14, 2026: 16.00% APRSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Holiday Shares - - 1.00%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
HSA Shares - - 0.25%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
IRA Shares - - 0.25%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Shares - - 0.25%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%
Special Shares - - 0.25%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.22%

Financial Health History

Show Me Credit Union’s Texas Ratio rose from 1.71% in Q3 2023 to 2.22% 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.71% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.22% A+ Q2 2026
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 limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$44M2.22%5.0A+
March 31, 2026$43M0.24%5.0A+
December 31, 2025$39M0.94%5.0A+
September 30, 2025$37M5.09%5.0A+
June 30, 2025$35M6.87%5.0A
March 31, 2025$35M3.65%5.0A+
December 31, 2024$34M3.91%5.0A+
September 30, 2024$34M5.82%5.0A+
June 30, 2024$35M0.43%5.0A+
March 31, 2024$34M2.57%5.0A+
December 31, 2023$34M0.78%5.0A+
September 30, 2023$37M1.71%5.0A+
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 Show Me 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 Show Me 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 Show Me Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Show Me Credit Union
Address 550 S Muldrow St, Mexico, MO 65265-2014
Phone 573-581-6978
Fax 573-581-4806
President Andrew Baker
CEO Kent Groves
Full-Time Employees 9
Part-Time Employees 2
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.22%
Return on Assets (ROA)
0.6501%
Return on Equity (ROE)
4.9380%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
43,723,446
Total Amount of Shares and Deposits
38,541,890
Total Shares and Deposits < 1 Year
37,966,407
Total Shares and Deposits 1 3 Years
575,483
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,701,646
Total Uninsured Shares and Deposits > $250K (F+J)
2,701,646
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,840,244
Total Interest Expense (Sum of items 6 8)
199,000
Share Certificates
311
Number of Accounts for Share Drafts
1,653
IRA KEOGH Accounts
97
Number of Accounts for Regular Shares
2,905
All other shares
637
Money Market Shares
1
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)
16,383,864
Total Liabilities
37,966,776
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Show Me Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/show-me-credit-union-rates-review-62960">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Show Me Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Show Me Credit Union

How many branches does Show Me Credit Union operate?

Show Me 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 Show Me Credit Union?

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

Does Show Me Credit Union offer online and mobile banking?

Most modern institutions like Show Me 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://showmecu.org.

Current Show Me Credit Union Rates

  • 12-Month CD2.00%
  • 18-Month CD2.10%
  • 24-Month CD2.20%
  • Savings0.25%
  • MMA0.60%
Retrieved from our database of financial products. Rates subject to change.