Mortgage Rates

Mortgage Rates

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 4.585%
Conventional 15 Year Fixed Mortgage 4.022%

***APR based on $200,000.00 Loan Amount***   Effective as of March 7, 2019.

***NOTICE*** Please be advised the interest rates listed are for informational purposes only.
***PLEASE DO NOT ASSUME THIS WILL BE YOUR INTEREST RATE***
REGULATED BY THE DIVISION OF REAL ESTATE. NMLS# 109995
Please contact the credit union for a direct 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 5.25%
Home Equity Plus -  80.1% to 95% loan to value 7.25%

*APR = Annual Percentage Rate. 

Current as of March 1, 2019.
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.  W
e 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.  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.