Missouri · Investor Owned · serves 519 ZIP codes
Union Electric Co - (MO) rate plans
4 residential plans are currently open to new customers that we can price side by side. Some charge different prices depending on the hour — which is where most of the savings hide.
Looking for when the expensive hours are? Union Electric Co’s peak hours, plan by plan →
What does Union Electric Co cost at a normal month’s usage?
A household using 1,000 kWh a month pays about $1,519 a year on the cheapest of the 4 plans we can price here — 1(M) Residential Anytime Service Rate — and $1,743 on the priciest. Same house, same wires.
| A month of | Cheapest, a year | On which plan | Priciest |
|---|---|---|---|
| 500 kWh | $818 | 1(M) Residential Overnight Saver Service | $926 |
| 1,000 kWh | $1,519 | 1(M) Residential Anytime Service Rate | $1,743 |
| 2,000 kWh | $2,746 | 1(M) Residential Anytime Service Rate | $3,378 |
The cheapest plan here changes with how much you use. That happens where tiers reward a small household and a big fixed charge rewards a large one — so the right answer depends on your own bill, not on an average. Estimates from the filed tariff, priced hour by hour on a household with central air — not a quote.
How much does the plan you pick actually matter here?
Run the same three-bedroom house with central air through every plan Union Electric Co - (MO) files, and the bill lands anywhere between $1,226 and $1,396 a year. That $169 spread is not a difference in electricity — it is the same kilowatt-hours, from the same wires, priced under different rules. Nobody sends you a letter when you are on the wrong side of it.
The plan most households land on by default, 1(M) Residential Anytime Service Rate, comes to about $1,240. The cheapest option here, 1(M) Residential Overnight Saver Service, comes to $1,226 — a gap of about $14 a year for a household that never changed a single habit. Whether you can actually capture that depends on when you use power, which is what the calculator below is for.
3 of these 4 plans price by the hour. Those are the ones where moving laundry, dishes, or car charging into the cheap window changes the bill; on the rest, the clock is irrelevant and only the total matters. Which camp you belong in is the first question worth settling, because it decides whether shifting your day is worth anything at all.
How Union Electric Co compares across Missouri
Run the same three-bedroom house with central air through its default plan at each of the 4 Missouri utilities we cover, and Union Electric Co is the cheapest of the lot at about $1,240 a year; the state median is $1,289. The dearest, Ozark Border Electric, charges $1,362 for identical use — a gap set by the address, not by anything either household did.
The other two households tell the same story in different sizes: a small apartment pays about $672 here against a state median of $785, and the same house with an electric car charging overnight about $1,606 against $1,650. Effective rate, fixed charge included, is 13.1¢ per kilowatt-hour for the family home.
Inside Union Electric Co itself, the gap between its cheapest and dearest plan for that house is $169 a year — more than the $122 between Missouri's cheapest and dearest utilities. Which plan you are on matters more here than which company sends the bill.
Every Missouri utility we cover, priced for the same three households →
Which plan would cost you least?
No bill upload, no sign-up. Tell us roughly what a month costs you and what runs on electricity — we price every plan against the same household and show you the gap.
That adds up to 14,550 kWh a year. Compare it to the total on your bill and adjust until it’s close.
Same usage, different plan
$545a year
That is the gap between the cheapest plan you could be on — 1(M) Residential Ultimate Saver Service — and the priciest. Not by using less power. By being billed differently for the same power.
| Plan | Per year | Vs best |
|---|---|---|
| 1(M) Residential Ultimate Saver ServicePeak hits 3pm–7pm every day, all year. | $1,461 | — |
| 1(M) Residential Anytime Service RateThe hour never matters here — only the season. Rates peak June–September. | $1,679 | +$218 |
| 1(M) Residential Overnight Saver ServicePeak hits 6am–10pm every day, all year. | $1,723 | +$262 |
| 1(M) Residential Smart Saver ServicePeak hits 3pm–7pm every day, all year. | $1,949 | +$488 |
| 1(M) Residential Evening/Morning Saver ServicePeak hits 9am–9pm every day, all year. | $2,006 | +$545 |
An estimate, not a quote. Supply charges move month to month, and your real usage pattern is not exactly this one. What it does show reliably is the gap between plans — both are priced off the same assumptions.
Before you switch anything
- What is a time-of-use electricity rate?
The same kilowatt-hour, priced differently depending on when you use it.
- Should you switch to a time-of-use electricity plan?
A wide peak-to-off-peak gap is a lever, not a saving. Levers need something to move.
- How to compare electricity plans without getting it wrong
Six things that break a comparison, and the order to check them in.
Every plan, in detail
Hour-by-hour schedules, tier thresholds, and the tariff each one comes from.
- 1(M) Residential Anytime Service Rateflat
The hour never matters here — only the season. Rates peak June–September.
7.0–14.5¢ - 1(M) Residential Evening/Morning Saver Servicetime-of-use
Peak hits 9am–9pm every day, all year.
7.8–16.6¢ - 1(M) Residential Overnight Saver Servicetime-of-use
Peak hits 6am–10pm every day, all year.
6.3–16.9¢ - 1(M) Residential Smart Saver Servicetime-of-use
Peak hits 3pm–7pm every day, all year.
7.1–41.3¢ - 1(M) Residential Ultimate Saver Servicedemand charge
Peak hits 3pm–7pm every day, all year.
5.3–30.8¢