Cape Regional Credit Union

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Review based on 12 criteria Rating: 2 out of 5

2427 Cape Centre, Cape Girardeau, MO 63703-5771

Website

(573) 334-7686

Data Source: NCUA, December 31, 2016


Cape Regional Credit Union was founded in 1971. Headquartered in Cape Girardeau, Missouri, Cape Regional Credit Union is a state chartered and federally insured credit union, being chartered in Missouri and insured through the National Credit Union Share Insurance Fund (NCUSIF). Cape Regional Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Cape Regional Credit Union services 3,564 members through its 2 offices and branches and 5 full-time and 3 part-time employees. It has $14,540,147 of total assets and $1,071,601 of net worth. Based on its asset size and net worth ratio, Cape Regional Credit Union is classified as a Well Capitalized medium small credit union.

Cape Regional Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Cape Regional Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Cape Regional Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Missouri and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Missouri
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.0100
0.1500
0.1200
Money Market
0.0100
0.2500
0.2500
Certificate Deplit
0.3000
0.5000
0.5800
IRA
0.0000
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Missouri
National Median Rates
Credit Cards
n/a
9.9600
9.9900
Unsecured Line of Credits
6.0000
11.4350
10.9500
Short-term Small Amount
n/a
27.8950
25.0000
Student Loans
n/a
6.0450
6.0200
New Car Loans
4.0000
3.3200
3.3300
Used Car Loans
5.0000
4.8200
4.5000
1st Mortgage Real Estates
n/a
4.1200
4.2500
Other Real Estates
n/a
4.5000
4.7000

Cape Regional Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet and ATMs. The table below lists the electronic banking services prlided by Cape Regional Credit Union.

Electronic Banking Service Offerings

Membership Application
No
No
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
No
Loan Payments
Yes
Yes
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Cape Regional Credit Union actively involves in local communities by prliding services such as financial counseling .

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Cape Regional Cu
Main Office

2427 Cape Centre Dr
Cape Girardeau, MO 63703-5771
Phone:573-334-7686

Fruitland Branch
5721 Us Highway 61
Jackson, MO 63755-7729
Phone:573-388-2330

(573) 334-7919

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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