As a member-owned credit union, our profits come back to you in the form of better loan and deposit rates. Below are MCCU's currently published rates.
New, used, or refinance — local underwriting, no surprises.
Max LTV 140%. Max mileage = 15k or more will be considered used auto. LTV is Loan To Value.
Max LTV 140%. Max mileage = 150k. LTV is Loan To Value.
Max LTV 140%. Max mileage = 150k. LTV is Loan To Value.
Max LTV 80%. Max mileage = 150k. LTV is Loan To Value. For 2016 and older, max term is 48 months; add 2% to the above rates.
¹APR = Annual Percentage Rate.
Long-term financing for the toys and the trips.
Max LTV 110%. LTV is Loan To Value. 61 – 72 months not available in all categories.
Max LTV 110%. LTV is Loan To Value.
Max LTV 110% – 75%. Used boat/RV adds 0.50%. 85 – 180 months not available in all categories. *Minimum loan amount of $50,000.
¹APR = Annual Percentage Rate.
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. ¹APR = Annual Percentage Rate.
Borrow on your signature, or against savings you already have.
¹APR = Annual Percentage Rate.
Stack discounts for direct deposit, autopay, e-statements, and being a long-term member — up to 1% off your final loan rate, on top of the rates above.
No annual fee — and the interest you pay stays with your credit union.
Subject to credit approval. No annual fee. Rates effective July 16, 2026. ¹APR = Annual Percentage Rate.
Tiered yields that grow with your balance.
Interest paid quarterly. Subject to change quarterly.
Tiered. Interest paid monthly, subject to change monthly.
Higher APY for balances of $10,000 and over.
Interest paid quarterly. Rates subject to change weekly. Penalty for early withdrawal will decrease the yield.
Effective Nov 20, 2025. Interest paid monthly, subject to change quarterly.
APR = Annual Percentage Rate. APY = Annual Percentage Yield. LTV = Loan to Value. All rates are subject to credit approval, loan-to-value, and other underwriting factors. Interest rates are subject to change. The rates shown reflect those published on mocentral.org with the effective dates noted above. Federally insured by NCUA. Equal Housing Opportunity. MCCU NMLS #477560.
