CIVIC CENTRAL is an NCUA-insured credit union located in Jefferson City, MO. New auto loan rates from 3.99% APR. Google rating: 5.0 out of 5 from 7 reviews.

Civic Central

PO Box 1828, Jefferson City, MO 65102

NCUA Insured5.0 (7 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Jefferson City, MO may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 1828

Jefferson City, MO 65102

Google Maps 🗺Waze

(573) 636-5338

Service Area

This credit union is located in Jefferson City and serves members in the MO area. Currently serving 4,926 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

3.99%

Used Auto Loan

4.25%

Personal Loan

10.00%

Credit Card APR

13.90%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MO

Lowest rates currently reported by credit unions in MO (NCUA Q1 2026).

Wedevelopment— New Auto Loan

Kansas City, MO

2.75%

Co - Lib— Used Auto Loan

Saint Louis, MO

2.99%

Alliance— Personal Loan

Fenton, MO

6.35%

Missouri Electric Cooperatives Empl— Credit Card APR

Jefferson City, MO

8.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Compare Rates in Jefferson City

See how CIVIC CENTRAL stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Jefferson City →Best Personal Loan Rates in Jefferson City →Best Credit Card Rates in Jefferson City →All Credit Unions in Jefferson City →

Member Reviews

5.0

7 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Mototriumph1200 “Mototriumph1200”

7 months ago

This place is the best. We get all our motorcycle and auto loans here. Kaitlin always takes good care of us. 2 Years later and can say this place is still the best and Kaitlin is still great!

Kayci Hoover-Doss

5 years ago

I absolutely LOVE this credit union. I have never had any issues with loans, always quick and usually has the paperwork done and ready for you to sign when you walk in the door! LOVE!