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Top 10 Credit Unions in Missouri - 2025 Sortable APR Guide


Top credit unions in Missouri ranked by best APR.

Sort the best APR by loan type, and see how these rates affect car payments in our Missouri car payment calculator.

Car rates are for 72 months. The rates listed are the best offered by the top credit unions in MO for A-tier credit scores.
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The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Sort rates by clicking the top of the list.
Best Credit Unions in Missouri
Rank Credit Union Car APR Home APR CC APR Locations
1 First Community 45
2 Conservation 1
3 West Community 11
4 Missouri Credit Union 11
5 Infuze 7
6 Together 27
7 Vantage 15
8 St Louis CCU 16
9 Alliance 7
10 River Region 6
First Community Credit Union
First CCU was established in 1934 and has over 400,000 members at 45 credit unions in Missouri. The original members were pharmacists and biotech employees.

The field of membership includes residents of counties: St Louis, St Charles, Jefferson, Warren, and Franklin.

First Community CU ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service.

Headquarters: 17151 Chesterfield Airport Rd, Chesterfield, MO 63005
Top Credit Union Award
Conservation Employees’ Credit Union
Conservation ECU serves 10,000 members from a main branch that is connected to a CO-OP of credit unions with over 5,000 branches available. It was founded in 1955 for employees of the Missouri Department of Conservation.

The ways to join include MDC employees or MDC volunteers with 50 hours of documented service. The MDC supports the conservation of fish, forest, and wildlife in Missouri.

Conservation ECU is a good fit for members with a passion for the outdoors or a desire to learn more about Missouri wildlife. MDC volunteers can gain access to the credit union while educating other Missourians about the state's fish, forest, and wildlife resources.

Headquarters: 2915 W Truman Blvd, Jefferson City, MO 65109
West Community Credit Union
West CCU was established in 1936 and serves 34,000 members at 11 branches in Missouri. It was chartered for Brentwood City Hall, but the first branch was set up in a barber shop where it remained for 20 years.

The ways to join include the counties: St Louis, St Charles, Franklin, Lincoln, and Boone.

Headquarters: 4161 Highway K, O'Fallon, MO 63368
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Missouri Credit Union
MCU was founded in 1969 and serves 40,000 members at 7 credit unions in Missouri.

The field of membership includes residents of the counties: Audrain, Boone, Callaway, Cole, Cooper, Howard, Miller, Moniteau, Osage, Randolph.

Staff, students, and alumni of University of Missouri; employees of the State of Missouri; and selected groups listed in the ways to join MCU are also eligible for membership.

Headquarters: 111 East Broadway, Columbia, MO 65203
Infuze Credit Union
Infuze CU was established in 1954 and has 35,000 members from 7 credit unions in Missouri. It was chartered to support government workers.

The ways to join include the counties: Benton, Camden, Hickory, Laclede, Maries, Miller, Phelps, and Pulaski.

Headquarters: 5000 Illinois Ave, Fort Leonard Wood, MO 65473
Together Credit Union
Together CU was founded in 1939 by Anheuser-Busch and serves 145,000 members at 27 unions.

The field of membership includes Anheuser-Busch employees, Purina Petcare employees, and residents of the counties: St Louis, St Charles, and Jefferson.

Headquarters: 423 Lynch St, St Louis, MO 63118
Vantage Credit Union
Vantage CU was established in 1957 and has 75,000 members at 15 locations in Missouri.

The ways to join include US Gov and Military personnel, and residents of the following counties: Cape Girardeau, Franklin, Jefferson, St. Charles, St Louis, or Warren.

Headquarters: 19 Research Park Ct, St Charles, MO 63304
St Louis Community Credit Union
Founded in 1942, SLCCU serves 60,000 members at 16 unions.

The field of membership includes residents of the counties of St Louis and St Charles.

Headquarters: 3651 Forest Park Ave, St Louis, MO 63108
Alliance Credit Union
Established in 1948, Alliance CU serves 22,000 clients at 7 branches in Missouri.

It was created for Emerson Electric employees working at the 8-story factory in St Louis that was the first manufacturing plant to mass produce electric motors in North America.

The field of membership includes residents of counties and employees of companies listed in the ways to join Alliance.

Headquarters: 1280 South Highway Dr, Fenton, MO 63026
River Region Credit Union
RRCU was founded in 1954 and has over 32,000 members at 6 branches.

The ways to join include residents of the counties: Boone, Cole, Osage, Callaway, Moniteau or Miller.

Headquarters: 3124 W Edgewood Dr, Jefferson City, MO 65109
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