Deposit Rates
 
Primary Share Savings Christmas Club
Premier Checking IRA Savings
Premier Money Market Share And IRA Certificates
 
Loan Rates
 
Auto Loans Line-Of-Credit And Signature
2009 - 2010 Model Used Vehicle Overdraft Protection Line-Of Credit
2006 - 2008 Model Used Vehicle Home Improvement
2004 - 2005 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 .25%
$1,000.00 - $1,999.99 .25%
$2,000.00 - $4,999.99 .25%
$5,000.00 - $9,999.99 .25%
$10,000.00 and over .40%
 
Interest is paid and subject to change quarterly. These annual percentage yields are effective January, February, March, 2010.


 
 
Premier Checking
 
Daily Balance .25% Annual Percentage Yield
 
Interest is paid and subject to change quarterly. This annual percentage yield is effective January, February, March, 2010.


 
 
Premier Money Market
 
Average Daily
Balance
Annual Percentage Yield
$0 - $999.99 0.00%
$1,000.00 - $1,999.99 .40%
$2,000.00 - $4,9999.99 .45%
$5,000.00 - $9,999.99 .45%
$10,000.00 - $24,999.99 .55%
$25,000.00 - $49,999.99 .65%
$50,000 and over .85%
 
Interest is paid and subject to change monthly. These annual percentage yields are effective as of March, 2010.


 
 
Christmas Club
Average Daily Balance .25% Annual Percentage Yield
 
Interest is paid and subject to change quarterly. This annual percentage yield is effective January, February, March, 2010.


 
 
IRA Variable Rate Notice Account
 
Average Daily Balance .50% Annual Percentage Yield
 
Interest is paid quarterly and the rate is subject to change monthly. This annual percentage yield is effective as of March, 2010.


 
 
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 .85% APY 1.20% APY 1.70% APY 2.00% APY
$10,000
and over
1.05% APY 1.45% APY 1.95% APY 2.25% APY
 
Interest is paid quarterly. Rates are subject to change weekly. These annual percentage yields are effective as of March 4, 2010. Penalty for early withdrawal will decrease the yield.


 
 
Loan Rates
 
We strive to give our members the best rate possible. All loans are simple interest. Interest rates are subject to change quarterly. These rates do not reflect any promotional rates.  Additional discounts may be available based on other services you have with Missouri Central Credit Union. These annual percentage rates are effective January 1, 2009.
Current as of March, 2010.
 
Auto Loans Loan Annual Percentage Rates
Annual Percentage Rates
 
Credit Score
Approx. Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 4.75% 5.25% 5.75% 7.75% 10.75%
37-48 Months 5.00% 5.50% 6.00% 8.00% 11.00%
49-60 Months 5.25% 5.75% 6.25% 8.25% 11.25%
61-72 Months 5.50% 6.00% 6.50% 9.00% 12.00%
Max LTV 100% 100% 90% 90% 80%
LTV is the loan to value
 
 
2009-2010 Used Vehicle Loan
Annual Percentage Rates
 
Credit Score
Approx. Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 4.75% 5.25% 5.75% 7.75% 10.75%
37-48 Months 5.00% 5.50% 6.00% 8.00% 11.00%
49-60 Months 5.25% 6.00% 6.25% 8.25% 11.25%
Max LTV 100% 100% 90% 90% 80%
LTV is the loan to value
 
 
2006-2008 Used Vehicle Loan
Annual Percentage Rates
 
Credit Score
Approx. Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 5.25% 5.75% 6.25% 8.25% 11.25%
37-48 Months 5.50% 6.00% 6.50% 8.50% 11.50%
49-60 Months 5.75% 6.25% 6.75% 8.75% 11.75%
Max LTV 100% 100% 80% 80% 80%
LTV is the loan to value
 
 
2004-2005 Used Vehicle Loan
Annual Percentage Rates
 
Credit Score
Approx. Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 6.50% 7.00% 7.50% 9.50% 12.50%
37-48 Months 6.75% 7.25% 7.75% 9.75% 12.75%
49-60 Months 7.00% 7.50% 8.00% 10.00% 13.00%
Max LTV 100% 100% 80% 80% 80%
LTV is the loan to value
 
 
New Boats And RVs
Annual Percentage Rates
 
Credit Score
Approx. Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 6.00% 6.50% 7.00% 9.50% 12.00%
37-60 Months 6.50% 7.00% 7.50% 10.00% 12.50%
61-84 Months 7.50% 8.00% 8.50% 11.00% 13.50%
85 - 120 Months 8.25% 8.75% 9.25% 11.75%  
Max LTV 100% 95% 85% 85% 75%
LTV is the loan to value
 
 
Used Boats And RVs
Annual Percentage Rates
 
Credit Score
Approx. Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 6.50% 7.00% 7.50% 10.00% 12.50%
37-60 Months 7.00% 7.50% 8.00% 10.50% 13.00%
61-84 Months 8.00% 8.50% 9.00% 11.50% 14.00%
85-120 Months 8.75% 9.25% 9.75% 12.25%  
Max LTV 100% 95% 85% 85% 75%
LTV is the loan to value
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Line-Of-Credit,Overdraft Protection
Line-Of-Credit and Signature Loans
Annual Percentage Rates
 
Credit Score
Maximum Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
36 Months 13.00% 15.00% 17.00% 20.00% 23.00%
 
 
 
Home Owner's Advantage Loans
Annual Percentage Rates
 
Credit Score
Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 5.00% 5.50% 6.00% 7.00% 8.00%
37-60 Months 5.25% 5.75% 6.25% 7.25% 8.25%
61-84 Months 5.75% 6.25% 6.75% 7.75% 8.75%
85-120 Months 6.50% 7.00% 7.50% 8.50% 9.50%
121-180 Months 7.50% 8.00% 8.50% 9.50% 10.50%
 

Loan to value 80% or less. Add 1.25% when MCCU pays the closing costs. Closing costs may be included in the loan proceeds.

 
 
Home Owner’s Advantage Plus Loans
Annual Percentage Rates
 
Credit Score
Term 750+ 700 - 749 660 - 699 640 - 659 ‹639
0-36 Months 7.00% 7.50% 8.00% 9.00% 10.00%
37-60 Months 7.25% 7.75% 8.25% 9.25% 10.25%
61-84 Months 7.75% 8.25% 8.75% 9.75% 10.75%
85-120 Months 8.50% 9.00% 9.50% 10.50% 11.50%
121-180 Months 9.50% 10.00% 10.50% 11.50% 12.50%
 

Loan to value 80% or less. Add 1.25% when MCCU pays the closing costs. Closing costs may be included in the loan proceeds.

 
 
Share Secured Loans
Annual Percentage Rate
 
Share Secured 3.40%
Certificate Secured 2.0% over the certificate yield
 
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Home Equity Line-Of-Credit
 
Rates current as of March 1, 2010.
PRIME
Up to 80% loan to value
3.25% (Prime Rate)
Home Equity Plus
80.1% to 95% loan to value
5.25%
 
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 Wyandotte counties in Kansas.


 
 



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