Business Details
50+ Years
experience
Your Trusted Financial Partner in Park Hills, MO
Southeast Mo Community Credit Union has served our community since 1951 as a not-for-profit financial cooperative. Our mission centers on delivering personalized member service, innovative financial products, and exceptional expertise to meet diverse needs. With decades of experience, we prioritize financial strength, stability, and member satisfaction through knowledgeable staff and community-focused initiatives. We offer competitive rates on savings accounts, certificates of deposit, and loans while maintaining transparency in all operations.Our commitment to ethical practices and member education ensures informed financial decisions. Through free online banking, 24-hour ATM access, and tailored lending solutions, we combine modern convenience with local trust. As a member-owned institution, we reinvest earnings to benefit our community. Our dedication to privacy, security, and exceptional service has earned us lasting trust. We remain steadfast in our founding principle: people always matter more than profits.
Services
Share Savings Account
Share Draft Checking
Certificates of Deposit
Personal Loans
Online Banking
ATM Services
Mortgage Solutions
Notary Services
Wire Transfers
Direct Deposit
Details
- Year established: 1951
Highlights and features
- We offer free interest-bearing checking with no minimum balance.
- Our competitive CD rates include special HUGZ Youth Certificates.
- 24-hour ATM access with no fees for credit union members.
- We provide personalized loan solutions for vehicles, homes, and personal needs.
- Free online banking and mobile financial management tools.
Services
Share Savings Account
Our Share Savings Account is an interest-bearing account requiring a $5 minimum balance. This lifelong account remains open until you choose to close it, with funds fully accessible. The account provides eligibility for additional services while maintaining financial flexibility and security for long-term savings goals.
Share Draft Checking
Our Share Draft Checking offers free interest-bearing access with no minimum balance requirements. Members enjoy customizable check designs and convenient payment options. This service combines financial freedom with personalized features while maintaining seamless integration with other credit union products for comprehensive money management.
Certificates of Deposit
Our Certificates of Deposit provide secure term investments with competitive dividend rates. Available terms include 12, 18, and 24 months with periodic special promotions. Quarterly dividend payments and flexible maturity options make these accounts ideal for disciplined savers seeking predictable returns with guaranteed growth potential.
Personal Loans
We offer diverse personal loan options for automobiles, ATVs, boats, and general needs. Flexible payment methods include cash, checks, or automatic transfers. Our streamlined application process ensures quick approvals while maintaining competitive rates and personalized terms tailored to individual financial circumstances and creditworthiness.
Online Banking
CU On-line provides secure 24/7 digital access to account information and transaction capabilities. Members can manage finances from any location with real-time updates and encrypted security protocols. This service enhances convenience through bill payment options, account monitoring, and instant transaction capabilities without visiting physical branches.
Questions
How do I apply for a personal loan?
Visit our office, mail completed applications, or apply online through our secure portal. All applicants must sign applications and attend closing procedures before funds disbursement.
What online banking features are available?
Access account balances, transfer funds, pay bills, and monitor transactions 24/7 through our encrypted CU On-line platform with real-time updates and security protections.
What CD rates do you currently offer?
We offer competitive rates on 12, 18, and 24-month certificates with special promotions including HUGZ Youth Certificates at 6% APR and standard CDs at 3% APR.
Are there fees for ATM usage?
Credit union members use our ATM free of charge. Non-members pay $1.50 per transaction for drive-thru or walk-up access to Cirrus, Pulse, or CO-OP network machines.
How can I open a savings account?
Start with a $5 minimum deposit in our Share Savings Account. This foundational account grants eligibility for all other services while maintaining lifetime accessibility to your initial deposit.
What mortgage options exist through your partners?
Mortgage Solutions offers competitive home loans with low fees. Apply online or call 866/533-1720 for pre-approval with various financing options and dedicated support throughout the process.
