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Rates

Effective as of: October 1, 2022

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. 

2022 - 2023 New & Used Vehicle Loan Rates
Approx. Term APR* Range
1 - 48 Months 3.99% - 12.74%
49 - 72 Months 4.85% - 12.74%
73 - 84 Months 5.49% - 14.74%
Max LTV 120%  -  80%

LTV is the loan to value
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

2018 - 2022 Used Vehicle Loan Rates
Approx. Term APR* Range
1 - 48 Months 4.99% - 12.74%
49 - 72 Months 5.04% - 12.74%
73 - 84 Months 5.64% - 14.74%
Max LTV 120%  - 80%

LTV is the loan to value
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

2015 - 2017 Used Vehicle Loan Rates
Approx. Term APR* Range
1   - 72 Months 5.84% - 12.74%
73 - 84 Months 6.84% - 14.74%
Max LTV 120%  -  80%

LTV is the loan to value
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

2012 - 2014 Used Vehicle Loan Rates
Approx. Term APR* Range
1  -  48 Months 7.50% - 13.84%
49 - 60 Months 8.50% - 15.84%
Max LTV 100% - 80%

LTV is the loan to value
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

New Motorcycle Loan Rates
Approx. Term APR* Range
1   - 48 Months 5.04% - 13.45%
49 - 60 Months 5.54% - 13.95%
61 - 72 Months 6.54% - 12.45%
Max LTV 110%  - 80%

LTV is the 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 6.04% - 13.95%
49 - 60 Months 6.54% - 14.45%
Max LTV 110%  -   75%

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

New Boat & RV Loan Rates
Approx. Term APR* Range
1   -   60 Months 5.39% - 13.45%
61 -   84 Months 6.39% - 14.95%
85 - 120 Months 7.04% - 13.20%
Max LTV 110%  -   75%

LTV is the loan to value
*APR = Annual Percentage Rate.  85 to 120  months not available in all categories

Used Boat & RV Loan Rates
Approx. Term APR* Range
1    -   60 Months 5.84% - 13.95%
61  -   84 Months 6.84% - 15.45%
85  - 120 Months 7.84% - 13.70%
Max LTV 110% - 75%

LTV is the loan to value
*APR = Annual Percentage Rate.   85 to 120 months not available in all categories.

Line-Of-Credit, Overdraft Protection Line-Of-Credit, & Signature Loans
Maximum Term APR* Range
36 Months 13.00% - 23.00%

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

Share Secured & Certificate Secured Loan Rates
Loan Type APR*
Share Secured 3.10%
Certificate Secured 2.0% 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 Due to Market Volitility, Please Call
Conventional 15 Year Fixed Mortgage For a Quote.

***APR based on $200,000.00 Loan Amount***

***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 5.50%
Home Equity Plus - 80.1% to 95% loan to value 7.50%

*APR = Annual Percentage Rate.

Current as of October 1, 2022.

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 $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.

Updated as of  October 1, 2022

Primary Share Savings
Average Daily Balance APY
$0 - $99.99 0.00%
$100.00 - $999.99 0.05%
$1,000.00 - $1,999.99 0.10%
$2,000.00 - $4,999.99 0.10%
$5,000.00 - $9,999.99 0.10%
$10,000.00 and over 0.10%

*APY = Annual Percentage Yield
Interest is paid and subject to change quarterly. These annual percentage yields are effective October 1, 2022.

Premier Money Market
Average Daily Balance APY
$0 - $999.99 0.00%
$1,000.00 - $1,999.99 0.10%
$2,000.00 - $4,9999.99 0.10%
$5,000.00 - $9,999.99 0.10%
$10,000.00 - $24,999.99 0.10%
$25,000.00 - $49,999.99 0.15%
$50,000 and over 0.20%

*APY = Annual Percentage Yield
Interest is paid and subject to change monthly. These annual percentage yields are effective as of October 1, 2022.

Share Certificates & IRA Share Certificates
Term $10,000 and over $500.00 - $9,999.99
6-12 Month Term 1.50% APY 1.40% APY
12-24 Month Term 1.75% APY 1.65% APY
24-35 Month Term 2.25% APY 2.15% APY
36 Month Term 2.00% APY 1.90% APY

*APY = Annual Percentage Yield
Interest is paid quarterly. Rates are subject to change weekly. These annual percentage yields are current as of October 18, 2022. 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.