Loans built around your future, not a shareholder's.
Local underwriting decisions, transparent fees, and rates that can drop another 1% when you bank more with MCCU.
Pick the loan you're shopping for.
Every rate below is the published range — your member discount comes off the top.
Vehicles, from new cars to boats
New, used, older, motorcycle, boat and RV — plus refinancing a loan you took out somewhere else. Published APRs from 5.20%.
Mortgages and home equity
First mortgages quoted the same day you ask, plus a HELOC from 7.75% APR on homes across the Kansas City metro.
Signature and secured loans
A fixed-rate signature loan from 11.25% APR, or borrow against your own savings or certificate for less.
The MCCU Visa credit card
A variable rate from 12.90% APR with no annual fee — and the interest you pay stays with your credit union.
If you need it, we probably finance it.
Not everything has a published rate sheet. Call 816-246-0002 and we'll walk through it with you.
Peace of mind, if you want it.
None of this is required to get approved. It's here for the members who'd rather not find out what happens if the car is totaled, or if the paychecks stop.
GAP covers what your insurance won't
Total your vehicle and insurance pays what it was worth — not what you still owe. GAP covers that difference, for a flat $499 no matter the size of the loan.
Life, disability & unemployment
Optional coverage that steps in on your loan if you pass away, become disabled, or lose your job — so the payment isn't the thing your family deals with first.
Cover the repairs after the warranty ends
Optional extended warranties on the vehicle you're financing, so a transmission at year six doesn't land on a credit card.
See your payment before you apply.
Adjust the amount, rate, and term — and watch your monthly payment update instantly. Tick the bonus reductions you qualify for and watch the rate come down.
Starts at the lowest published rate for 60 months (2025 – 2027 new vehicle), effective July 16, 2026.
Reductions come off your approved rate and stack to a maximum of 1.00%. None apply to rates below 4.00%. Not every reduction applies to every loan type, and all are subject to eligibility and credit approval — see the full schedule.
- Total interest
- $3,858
- Total cost (P&I)
- $31,858
- Loan amount
- $28,000
Estimate only. Excludes taxes, insurance, fees, and PMI. Actual rate depends on creditworthiness, term, and other factors.
*Estimate is for informational purposes only and assumes a fixed-rate loan. Actual rate and payment depend on creditworthiness and other factors.
Get up to 1% off your approved loan rate.
Do more with MCCU and pay less for your loan. Stack bonus reductions for your loan-to-value, an MCCU checking account with a debit card, direct deposit, and automatic payment.
You're three steps away from a better loan.
Apply
Apply online, in person, or over the phone in just minutes.
Send
Send in your documentation — we make this part painless.
Sign
Sign your final paperwork and start the next chapter.