Chartered in 1939, De Soto Mo Pac Credit Union is a small, state-chartered cooperative headquartered in De Soto, Missouri. Originally formed for Missouri Pacific Railroad workers, it now serves around 1,700 members from Jefferson County through a single branch, offering savings accounts, checking, consumer loans, and mobile banking tools.

Banking with De Soto Mo Pac Credit Union feels like dealing with neighbors, not a call center. Rooted in the railroad heritage of De Soto, Missouri since 1939, this member-owned cooperative keeps fees low and service personal, whether you're opening a share savings account, financing a vehicle, or setting up direct deposit. It's the kind of hometown institution that still remembers your name. Pair your everyday transactions here with Fluz, and every debit swipe, bill payment, or reload can start earning real cashback, so banking local in De Soto also means banking a little smarter and putting extra rewards back in your pocket.