Question 1

What is St. Augustine Credit Union of Kelso?

Accepted Answer

St. Augustine Credit Union of Kelso is a small, community-focused state-chartered credit union serving the rural village of Kelso, Missouri, in Scott County. With approximately $1.47 million in total assets and 427 members as of Q3 2025, this institution operates as a traditional cooperative financial institution. The credit union maintains a strong net worth ratio of 14.42%, indicating solid financial stability despite its modest size.

St. Augustine Credit Union serves a close-knit community in southeastern Missouri, providing personalized financial services to residents in one of the state's smaller rural communities.

Question 2

When was St. Augustine Credit Union of Kelso founded?

Accepted Answer

[Information not publicly available]

While specific founding date information is not readily available, the credit union has been serving the Kelso community as a state-chartered institution. The credit union operates under NCUA Charter Number 67750 and has established itself as a local financial cooperative for residents in this small Scott County community.

Question 3

Where is St. Augustine Credit Union of Kelso headquartered?

Accepted Answer

St. Augustine Credit Union of Kelso is headquartered in Kelso, Missouri, with a mailing address at PO Box 6, Kelso, MO 63758.

Kelso is a small village in Scott County, located approximately three miles southwest of Scott City and 120 miles south of St. Louis. The community is situated near the Mississippi River in southeastern Missouri, surrounded by farmland and rolling hills characteristic of the region.

Question 4

Where does St. Augustine Credit Union of Kelso operate?

Accepted Answer

St. Augustine Credit Union operates primarily in Kelso and the surrounding Scott County area in southeastern Missouri. The credit union serves members in this rural community, which has a population of approximately 500-600 residents.

As a state-chartered credit union, membership is typically determined by geographic boundaries or common bonds specific to the local community. The institution focuses on serving residents who live or work in its designated field of membership within the Kelso area.

Question 5

What services does St. Augustine Credit Union of Kelso offer?

Accepted Answer

As a small community credit union, St. Augustine Credit Union offers essential financial services tailored to the needs of its rural membership. These services typically include:

Savings and Share Accounts: Basic savings accounts and share accounts for members to accumulate funds and earn dividends.

Checking Accounts: Transactional accounts for everyday banking needs.

Lending Services: The credit union maintains an active loan portfolio of approximately $1.25 million, with a loan-to-share ratio of 99.23%, indicating robust lending activity. Loan products typically include personal loans, auto loans, and other consumer credit products.

It should be noted that the credit union does not maintain a public website, suggesting a traditional, in-person service model focused on direct member relationships.

Question 6

What makes St. Augustine Credit Union of Kelso unique?

Accepted Answer

St. Augustine Credit Union distinguishes itself through its deeply rooted commitment to serving a small, rural Missouri community. Several factors make this credit union unique:

Small-Town Focus: With just 427 members, the credit union maintains an intimate knowledge of its membership and can provide highly personalized service that larger institutions cannot match.

Strong Lending Activity: Despite its small size, the credit union maintains a loan-to-share ratio of 99.23%, demonstrating active support for member borrowing needs and financial goals.

Financial Stability: The credit union maintains a healthy net worth ratio of 14.42%, well above regulatory minimums, indicating sound financial management and member security.

Traditional Banking Model: Without a digital presence, the credit union emphasizes face-to-face relationships and personal service, reflecting the values of its rural community where personal connections matter.

Question 7

What type of financial institution is St. Augustine Credit Union of Kelso?

Accepted Answer

St. Augustine Credit Union of Kelso is a state-chartered credit union regulated by the Missouri Division of Credit Unions and insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF).

As a state-chartered credit union, it operates under Missouri state law while maintaining federal deposit insurance. The credit union follows the cooperative structure fundamental to all credit unions, meaning it is owned by its members rather than external shareholders.

Members have equal voting rights regardless of their account balances, and the institution operates on a not-for-profit basis. Any surplus earnings are returned to members through competitive dividend rates, lower loan rates, and reduced fees. Membership is typically restricted to individuals who meet specific eligibility requirements, usually based on living or working within the credit union's designated geographic area in and around Kelso, Missouri.

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About St. Augustine Credit Union of Kelso in the United States