Rates

Effective as of: March 16, 2026

We strive to give our members the best loan interest 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. 

2025 - 2027 New Vehicle Loan Rates

Approx. Term	APR* Range
1 - 48 Months	5.25% - 13.89%
49 - 72 Months	5.50% - 14.89%
73 - 84 Months	6.50% - 14.98%
Max LTV	120%  -  80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

Max Miles 15,000

2023 - 2026 Used Vehicle Loan Rates

Approx. Term	APR* Range
1 - 48 Months	5.35% - 13.99%
49 - 72 Months	5.60% - 14.99%
73 - 84 Months	6.60% - 15.08%
Max LTV	120%  - 80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

2020 - 2022 Used Vehicle Loan Rates

Approx. Term	APR* Range
1 - 48 Months	6.25% - 14.89%
49 - 72 Months	6.50% - 15.89%
73 - 84 Months	7.50% - 15.98%
Max LTV	120%  -  80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

2017 - 2019 Used Vehicle Loan Rates

Approx. Term	APR* Range
1 - 48 Months	7.25% - 15.89%
49 - 60 Months	7.50% - 16.89%
Max LTV	100% - 80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.
For 2015 and older, contact the credit union.
 

New Motorcycle Loan Rates

Approx. Term	APR* Range
1 - 48 Months	7.25% - 15.00%
49 - 60 Months	7.75% - 15.70%
61 - 72 Months	8.50% - 13.95%
Max LTV	110%  - 80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  61 - 72 months not available in all categories.

Used Motorcycle Loan Rates

Approx. Term	APR* Range
1  -  48 Months	7.75% - 15.50%
49 - 60 Months	8.25% - 16.20%
61 - 72 Months	9.00% - 14.45%
Max LTV	110%  -   75%

LTV is Loan To Value.
*APR = Annual Percentage Rate

New Boat & RV Loan Rates

Approx. Term	APR* Range
1   -   60 Months	7.25% - 15.00%
61 -   84 Months	8.25% - 16.00%
85 - 120 Months	7.75% - 16.50%
121-180 Months	8.75% - 16.50%**
Max LTV	110%  -   75%

LTV is the loan to value
*APR = Annual Percentage Rate.  85 to 180  months not available in all categories
**Minimum loan amount of $50,000.

Used Boat & RV Loan Rates

Approx. Term	APR* Range
1    -   60 Months	7.75% - 15.50%
61  -   84 Months	8.75% - 16.50%
85  - 180 Months	8.25% - 17.00%**
Max LTV	110% - 75%

Must mature by 25 years old
LTV is the loan to value
*APR = Annual Percentage Rate.   85 to 180 months not available in all categories.
**Minimum loan amount of $50,000.

Signature Loans

Term	APR* Range
1 - 36 Months	11.25% - 19.00%

LTV is the loan to value
*APR = Annual Percentage Rate

 

Line-Of-Credit, Overdraft Protection Line-Of-Credit

	APR* Range
	13.00% - 23.00%

 

Share Secured & Certificate Secured Loan Rates

Loan Type	APR*
Share Secured	3.00% over the certificate yield
Certificate Secured	2.00% over the certificate yield

*APR = Annual Percentage Rate

Contact a Member Service Representative for assistance with a home mortgage at 816-246-0002 or askmccu@mocentral.org.

Mortgage Rates

Loan Type	APR*
Conventional 30 Year Fixed Mortgage	Please call for a quote
Conventional 15 Year Fixed Mortgage	Please call for a quote

 

Missouri Central Credit Union, 825 NE Deerbrook, Lee’s Summit MO 64086 and Financial Funding Solutions Inc., dba Pivot Lending, 120 S. Central Ave, Clayton, MO 63105 do business in accordance with all applicable State and Federal Laws, including but not limited to Fair Lending and The ECOA and are regulated by the Missouri Division of Finance. Missouri Central Credit Union NMLS #477560 Financial Funding Solutions, Inc. NMLS #109995.

Home Equity Line-Of-Credit

Loan Type	APR*
PRIME - Up to 80% loan to value	7.00%
Home Equity Plus - 80.1% to 95% loan to value	9.50%

*APR = Annual Percentage Rate.

Current as of January 1, 2026.

A Home Equity Line of Credit is a variable rate loan. The interest rate is subject to change quarterly on the first day of January, April, July, and October.  There is no limit on the amount by which the APR can change during any one year.  The maximum Annual Percentage Rate that can apply is 20.04% or the maximum permitted by law, whichever is less.  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 $150,000 and the minimum credit limit is $10,000.  If an appraisal is required, the fee may be collected at application. 

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.

Updated as of November 20, 2025

Primary Share Savings

Average Daily Balance	APY
$0 - $99.99	0.00%
$100.00 - $999.99	0.03%
$1,000.00 - $1,999.99	0.03%
$2,000.00 - $4,999.99	0.03%
$5,000.00 - $9,999.99	0.05%
$10,000.00 and over	0.05%

*APY = Annual Percentage Yield
Interest is paid and subject to change quarterly. These annual percentage yields are effective November 20, 2025.

Premier Money Market

Average Daily Balance	APY
$0 - $999.99	0.80%
$1,000.00 - $9,999.99	1.00%
$10,000.00 - $24,999.99	1.10%
$25,000.00 - $49,999.99	1.20%
$50,000.00 - $74,999.99	1.30%
$75,000.00 - $199,999.99	1.60%
$200,000 and over	1.90%

*APY = Annual Percentage Yield
Interest is paid and subject to change monthly. These annual percentage yields are effective as of November 20, 2025.

CD Special - $5,000 minimum

Term	APY	APR

Share Certificates & IRA Share Certificates

Term	$10,000 and over	$500.00 - $9,999.99
6 Month Term	3.50% APY	3.40% APY
12 Month Term	3.60% APY	3.50% APY
18 Month Term	3.40% APY	3.30% APY
24 Month Term	3.55% APY	3.45% APY
36 Month Term	2.90% APY	2.80% APY
48 Month Term	3.00% APY	2.90% APY
60 Month Term	3.00% APY	2.90% APY

APY = Annual Percentage Yield
Interest is paid quarterly. Rates are subject to change weekly. These annual percentage yields are current as of November 20, 2025. Penalty for early withdrawal will decrease the yield.

Effective as of: June 1, 2021.

Premier Checking

Account Type	APY
Premier Checking	0.10%

Interest is paid monthly and subject to change quarterly.