Mortgage rates move daily, so we quote yours the same day you ask. Already own? Tap the equity you've built with a HELOC at a published rate.
Talk to a real Missouri mortgage officer for a tailored quote.
Talk to a real Missouri mortgage officer for a tailored quote.
Contact a Member Service Representative for a personalized quote — 816-246-0002 or askmccu@mocentral.org. Powered in partnership with Pivot Lending (NMLS #109995). MCCU NMLS #477560.
Variable rate, subject to change quarterly. Maximum APR 20.04% (or maximum permitted by law). Credit limits $10,000 – $150,000. Available on single-family, owner-occupied homes in Jackson, Clay, Cass, Platte and Lafayette counties (MO) and Johnson and Wyandotte counties (KS).
Mortgage shoppers: rates change daily. Call 816-246-0002 or email askmccu@mocentral.org and we'll lock in a personalized rate the same day. HELOC is a variable rate, subject to change quarterly; maximum APR 20.04%. Credit limits $10,000 – $150,000, available on single-family, owner-occupied homes in Jackson, Clay, Cass and Platte counties (MO) and Johnson and Wyandotte counties (KS). HELOC rates effective July 16, 2026. Equal Housing Opportunity. MCCU NMLS #477560.
Adjust the amount, rate, and term to see where a payment lands. Bring the number to your loan officer and we'll quote the real thing.
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.
Estimate only. PMI auto-calculated at 0.55% of principal annually while LTV > 80%. Actual rate, taxes, insurance, and PMI depend on location, lender, and credit.
*Estimate is for informational purposes only and assumes a fixed-rate loan. Actual rate and payment depend on creditworthiness and other factors.
A Missouri loan officer will price your mortgage today — purchase, refinance, or home equity.
Tell us how to reach you and a Missouri Central loan officer will follow up with your options — purchase, refinance, or home equity.
Prefer to talk it through? Call 816-246-0002 or email askmccu@mocentral.org.
Apply online, in person, or over the phone in just minutes.
Send in your documentation — we make this part painless.
Sign your final paperwork and start the next chapter.
