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Effective as of: 1/24/2017
Loan Rates
NEW AUTO LOAN RATES
Score60 Months72 Months
750 and Above 2.49%2.49%
700-7492.99%2.99%
670-6994.25%4.49%
640-6696.49%6.99%
639 and Below8.99%9.49%
 
USED AUTO LOAN RATES
Score2012-20162007-20112006 and Older
750 and Above 2.99%3.49%3.99%
700-7493.49%3.99%4.49%
670-6994.99%5.25%5.99%
640-6696.99%7.49%7.99%
639 and Below9.99%12.99%13.99%
 
NEW MOTORCYLYE/ATV/BOAT/CAMPER/RV
Score60 Months72 Months
750 and Above 4.50%5.00%
700-7495.00%5.50%
670-6997.00%7.50%
640-6999.00%9.50%
639 and Below12.00%12.50%
New – Up to 72 Months WILL LOAN 100% OF N.A.D.A RETAIL VALUE
 
USED MOTORCYLYE/ATV/BOAT/CAMPER/RV
Score2012-20162007-2011Used 2006 and Older
750 and Above 5.00%6.00%6.50%
700-7495.50%6.50%7.00%
670-6997.50%8.00%9.00%
640-6699.50%10.00%12.00%
639 and Below12.50%13.00%13.50%
2010-2016 – Up to 60 Months WILL LOAN MSRP ON NEW VEHICLES
2007-2009 – Up to 48 Months**maximum advance NADA average trade in
2006 and Older – 36 Months(no add for vehicle options)
 
UNSECURED LOAN RATES
ScoreLine of CreditSignature
750 and Above 8.50%8.50%
700-7499.50%9.50%
670-69910.50%10.50%
640-66911.50%11.50%
639 and Below13.50%13.50%
Credit score 639 and Below Signature loans require dual approval by credit union.
 
SHORT TERM SIGNATURE LOAN
ScoreRate
750 and Above3.50%
700-7494.00%
670-6994.50%
640-6695.00%
639 and Below5.50%
Credit score 639 and Below Line of Credit or Signature loans require dual approval by credit union.
 
Rate is fixed for 1 year from open of loan.
Maximum 12 month repayment.
ACH/Direct Deposit required for payment.
Maximum $2,000 loan limit. Above $2,000 requires President and/or Board Approval.
MBCU lending approval policy applies.
 
*All loan rates are based on credit worthiness. These rates are subject to change at any time.
**See loan officer for details and restrictions.
 
HOME EQUITY LOAN RATES
ScoreRateCurrent RateMax HTLTV
750 and AbovePrime plus 0.50%4.25%90%
700-749Prime plus 1.00%4.75%85%
670-699Prime plus 1.50%5.25%85%
640-699Prime plus 2.00%5.75%80%
639 and Below******
Rate is fixed for 5 years from open of HELOC. Rates adjusted quarterly thereafter.
Credit scores 639 and below must be approved by President and/or Board of Directors. Interest rate and Max HTLTV will be determined upon approval and must fall within approved MBCU Policy.
Home must be borrower’s primary residence.
$75.00 loan origination fee
 
*All loan rates are based on credit worthiness. These rates are subject to change at any time.
**See loan officer for details and restrictions.
400 East High Street
Jefferson City, MO 65101