Contact Us:
Office Phone
816-246-0002

Email Us

Mailing Address:
825 NE Deerbrook
P.O. Box 6617
Lee's Summit
MO. 64064-6617

Physical Address
for Express
Mail Packages
:
825 NE Deerbrook
Lee's Summit
MO. 64086-6750

LOBBY HOURS:

Monday - Thursday
9:00 am - 5:00 pm
Friday
9:00 am - 5:30 pm
Saturday
9:00 am - 12:30 pm

DRIVE-UP HOURS:

Monday - Friday
8:00 am - 6:00 pm
Saturday
8:00 am - 12:30 pm




Deposit Rates
 
Primary Share Savings Christmas Club
Premier Checking IRA Savings
Premier Money Market Share And IRA Certificates
 
Loan Rates
 
New Vehicle Line-Of-Credit And Signature
2007 - 2008 Model Used Vehicle Overdraft Protection Line-Of Credit
2004 - 2006 Model Used Vehicle Home Improvement
2002 - 2003 Model Used Vehicle Home Owner’s Advantage
New Boats Primary Share Secured
Used Boats Certificate Secured
Stock Secured Home Equity Line-Of-Credit
 
DEPOSIT RATES
 
Primary Share Savings
 
Average Daily
Balance
Annual Percentage Yield
$0 - $99.99 0.00%
$100.00 - $999.99 .75%
$1,000.00 - $1,999.99 1.00%
$2,000.00 - $4,999.99 1.00%
$5,000.00 - $9,999.99 1.00%
$10,000.00 and over 1.00%
 
Interest is paid and subject to change quarterly. These annual percentage yields are effective April, May, and June 2008.


 
 
Premier Checking
 
Daily Balance .50% Annual Percentage Yield
 
Interest is paid and subject to change quarterly. This annual percentage yield is effective April, May, and June 2008.


 
 
Premier Money Market
 
Average Daily
Balance
Annual Percentage Yield
$0 - $999.99 0.00%
$1,000.00 - $1,999.99 1.15%
$2,000.00 - $4,9999.99 1.20%
$5,000.00 - $9,999.99 1.20%
$10,000.00 - $24,999.99 1.60%
$25,000.00 - $49,999.99 1.95%
$50,000 and over 2.10%
 
Interest is paid and subject to change monthly. These annual percentage yields are effective as of May, 2008.


 
 
Christmas Club
Average Daily Balance .75% Annual Percentage Yield
 
Interest is paid and subject to change quarterly. This annual percentage yield is effective April, May, and June 2008..


 
 
IRA Variable Rate Notice Account
 
Average Daily Balance 1.50% Annual Percentage Yield
 
Interest is paid quarterly and the rate is subject to change monthly. This annual percentage yield is effective as of May, 2008.


 
 
Share Certificates And IRA Share Certificates
 
Balance 6-12 Month Term 12-24 Month Term 24-35 Month Term 36 Month Term
$1,000 - $9,999.99 2.35% APY 2.50% APY 2.55% APY 2.60% APY
$10,000
and over
2.55% APY 2.75% APY 2.80% APY 2.85% APY
 
Interest is paid quarterly. Rates are subject to change weekly. These annual percentage yields are effective as of May 7, 2008. Penalty for early withdrawal will decrease the yield.


 
 
Loan Rates
 
We strive to give our members the best rate possible. Your rate is based on your credit worthiness, your debt ratio, and the loan to value of the collateral. All loans are simple interest. Interest rates are subject to change quarterly. These rates do not reflect any promotional rates.  These annual percentage rates are effective March 1, 2008.
Current as of May, 2008.
 
New Vehicle Loan Annual Percentage Rates
Annual Percentage Rates
 
Approx. Term 24 Points 18 Points 12 Points 6 Points
0-24 Months 5.75% 6.00% 7.75% 10.50%
25-36 Months 6.00% 6.25% 8.00% 10.75%
37-48 Months 6.00% 6.25% 8.00% 10.75%
49-60 Months 6.00% 6.50% 8.25% 11.00%
61-72 Months 7.00% 7.25% 9.00% 11.75%
 
 
 
2007-2008 Used Vehicle Loan
Annual Percentage Rates
 
Approx. Term 24 Points 18 Points 12 Points 6 Points
0-24 Months 5.75% 6.00% 7.75% 10.50%
25-36 Months 6.00% 6.25% 8.00% 10.75%
37-48 Months 6.00% 6.25% 8.00% 10.75%
49-60 Months 6.00% 6.50% 8.25% 11.00%
 
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2004-2006 Used Vehicle Loan
Annual Percentage Rates
 
Approx. Term 24 Points 18 Points 12 Points 6 Points
0-24 Months 6.25% 6.50% 8.25% 11.00%
25-36 Months 6.50% 6.75% 8.50% 11.25%
37-48 Months 6.50% 6.75% 8.50% 11.25%
 
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2002-2003 Used Vehicle Loan
Annual Percentage Rates
 
Approx. Term 24 Points 18 Points 12 Points 6 Points
0-24 Months 7.00% 7.50% 9.25% 11.00%
25-36 Months 7.25% 7.75% 9.50% 11.25%
37-48 Months 7.25% 7.75% 9.50% 11.25%
 
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New Boats And RVs
Annual Percentage Rates
 
New Term 24 Points 18 Points 12 Points 6 Points
0-36 Months 6.50% 7.00% 9.25% 11.25%
37-60 Months 7.00% 7.50% 9.75% 11.75%
61-84 Months 8.00% 8.50% 10.75% 12.75%
85-120 Months 8.75% 9.25% 11.50% 13.50%
 
 
 
Used Boats And RVs
Annual Percentage Rates
 
Approx. Term 24 Points 18 Points 12 Points 6 Points
0-36 Months 7.50% 8.00% 10.25% 12.25%
37-60 Months 8.00% 8.50% 10.75% 12.75%
61-84 Months 9.00% 9.50% 11.75% 13.75%
85-120 Months 10.25% 10.75% 13.00% 15.00%
 
 
Credit Score Points
400 - 624 3
625 - 699 6
700 - 749 9
750 - 774 12
775 - 799 15
800+ 20
Debt Ratio
Over 40% after loan 2
35 - 39.99% after loan 4
30 - 34.99% after loan 6
Below 30% after loan 8
Amount Financed
100% + 1
Between 90 - 99.99% 2
Between 80 - 89.99% 3
Under 80% 4
 
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Line-Of-Credit,Overdraft Protection
Line-Of-Credit and Signature Loans
Annual Percentage Rates
 
20 Points 15 Points 10 Points 5 Points
15.0% 16.0% 18.0% 20.0%
 
Credit Score Points
400 - 624 3
625 - 699 6
700 - 749 9
750 - 774 12
775 - 799 15
800+ 20
Debt Ratio
Over 40% after loan 2
35 - 39.99% after loan 4
30 - 34.99% after loan 6
Below 30% after loan 8
Amount Financed
100% + 1
Between 90 - 99.99% 2
Between 80 - 89.99% 3
Under 80% 4
 
 
 
Home Owner's Advantage Loans
Annual Percentage Rates
 
New Term 24 Points 18 Points 12 Points 6 Points
0-36 Months 6.50% 7.00% 8.00% 9.00%
37-60 Months 6.75% 6.75% 9.25% 9.25%
61-84 Months 7.25% 7.75% 8.75% 9.75%
85-120 Months 8.00% 8.50% 9.50% 10.50%
121-180 Months 9.00% 9.50% 10.50% 11.50%
 

Loan to value 80% or less. Add 1.25% when MCCU pays the closing costs. Closing costs may be included in the loan proceeds. All closing costs are waived on loans $10,000 or more.

 
 
Home Owner’s Advantage Plus Loans
Annual Percentage Rates
 
New Term 24 Points 18 Points 12 Points 6 Points
0-36 Months 8.50% 9.00% 10.25% 11.00%
37-60 Months 8.75% 9.25% 10.25% 11.25%
61-84 Months 9.25% 9.75% 10.75% 11.75%
85-120 Months 10.00% 10.50% 11.50% 12.50%
121-180 Months 11.00% 11.50% 12.50% 13.50%
 

Loan to value greater than 80% to 100%. Add 1.25% when MCCU pays the closing costs. Closing costs may be included in the loan proceeds. All closing costs are waived on loans $10,000 or more.

 
Credit Score Points
400 - 624 3
625 - 699 6
700 - 749 9
750 - 774 12
775 - 799 15
800+ 20
Debt Ratio
Over 40% after loan 2
35 - 39.99% after loan 4
30 - 34.99% after loan 6
Below 30% after loan 8
Amount Financed
100% + 1
Between 90 - 100% 2
Between 80 - 89.99% 3
Under 80% 4
 
 
 
Share Secured Loans
Annual Percentage Rate
 
Share Secured 4.00%
Certificate Secured 2.0% over the certificate yield
 
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Home Equity Line-Of-Credit
 
Rates current as of May 2008
PRIME (Borrower Pays the Closing Costs)
Up to 80% loan to value
5.00% (Prime Rate)
Home Equity Special
80.1% to 95% loan to value
7.00%
 
A Home Equity Line of Credit is a variable rate loan.  The interest rate is subject to change quarterly.  We use the highest Prime Rate per the Wall Street Journal on the 10th of March, June, September and December.  The maximum credit limit is $100,000 and the minimum credit limit is $10,000.  These loans are available on single family, owner occupied homes in the following counties: Jackson, Clay, Cass and Platte counties in Missouri, and Johnson and Wyandotee counties in Kansas. All closing costs are waived when an initial advance of $10,000 or more is taken. These rates are effective for new loans originated after May 1, 2008.


 
 
Stock Secured
Annual Percentage Rate
 
6 - 60 month term 9.00% *
 
* Prime rate plus 4.0%.
  This annual percentage rate is as of May 1, 2008.

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