Missouri Baptist Credit Union

A full service financial institution ready to serve the Baptist Community

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Loan Rates

You can qualify for a loan today!

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NEW AUTO LOAN RATES

Credit Score60 Months72, 84 Months
750 and Above2.49%2.49%
700-7492.99%2.99%
670-6993.99%4.49%
640-6695.99%6.49%
639 and Below8.99%9.49%
*Credit score 639 & below loans require dual approval by credit union officers.

USED AUTO LOAN RATES

Credit Score2017-20212012-20162011 and Older
750 and Above2.99%3.49%3.99%
700-7493.49%3.99%4.49%
670-6994.99%5.49%5.99%
640-6696.99%7.49%7.99%
639 and Below9.99%12.99%13.99%
*Credit score 639 & below loans require dual approval by credit union officers.

NEW MOTORCYCLE/ATV/BOAT/CAMPER/RV

Credit Score60 Months72, 84 Months
750 and Above3.99%3.99%
700-7494.49%4.49%
670-6995.49%5.99%
640-6697.49%7.99%
639 and Below10.49%10.99%
***Credit score 639 & below loans require dual approval by credit union officers.

USED MOTORCYCLE/ATV/BOAT/CAMPER/RV

Credit Score2017-20212012-20162011 and Older
750 and Above4.49%4.99%5.49%
700-7494.99%5.49%5.99%
670-6996.49%6.99%7.49%
640-6698.49%8.99%9.49%
639 and Below11.49%14.49%15.49%

Additional Loan Criteria:
Loans up to 84 months and 100% MSRP/NADA Retail value will be granted for vehicles, 2020-2022
Loans up to 72 months and NADA Retail value will be granted for vehicles, 2017-2019
Loans up to 60 months and NADA Trade value will be granted for vehicles, 2014-2016
Loans up to 48 months and NADA Trade value will be granted for vehicles, 2011-2013
Loans up to 36 months and NADA Wholesale value will be granted for vehicles, 2010 and older
.50% per year will be added to any rate for loan terms greater than those listed above
To qualify for an 84-month loan, you must be a Tier 1, 2, or 3 borrower with a loan <$40,000

UNSECURED LOAN RATES

Credit ScoreLine of CreditSignature
750 and Above9.00%9.00%
700-74910.00%10.00%
670-69912.00%12.00%
640-66913.00%13.00%
639 and Below15.00%15.00%
Credit Score 639 & Below loan require dual approval by credit union officers. Interest rate to be determined upon approval and must fall within MBCU Policy.
SHARE AND CD LOANS--3.00% OVER CURRENT RATE
OVERDRAFT LOANS--12.00%

HOME EQUITY LOAN RATES

Credit ScoreRateCurrent RateMax HTLTV
750 and AbovePrime plus 0.50%4.00%90.00%
700-749Prime plus 0.50%4.00%85.00%
670-699Prime plus 0.50%4.00%85.00%
640-699Prime plus 0.50%4.00%80.00%
639 and Below******
As of 3/16/2020 WSJ Prime Rate is 3.25%
This is a variable rate loan. Rates are adjusted quarterly.
Home must be borrower’s primary residence, unless approved by Board of Directors.
Open End loan.
May be a first or second lien.
Prior Year County Appraisal or Certified Fannie Mae Appraisal dated within 1 year.
Rate cannot increase or decrease by more than 2% in any adjustment period.
MBCU reserves the right to charge a maximum interest rate of 18%.
Loan has a 10-year draw period, and 20-year repayment period for a total of 30 years.
Minimum LOC $1,000/ Maximum LOC $150,000.
For loans over $150,000, Board approval required.
$75.00 loan origination fee
Title Report Letter required from title company.
Borrower responsible for all fees which include but not limited to: Appraisal (if needed), Title report, Recording fees, Credit Report, Origination Fee
Full title commitment and policy required on all loans over $50,000.
***All loan rates are based on credit worthiness. These rates are subject to change at any time.
Credit scores below 639 must be approved by the President and/or the Board of Directors.
Interest and max HTLTV will be determined upon approval and must fall within approved
MBCU policy. See loan officer for details and restrictions.

 

Let’s Talk!

Interested in joining the Missouri Baptist Credit Union? Have questions or feedback? We'd love to talk with you. Call 573-635-4428 or fill out the form below to get the conversation started.
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Hours and Location

Monday, Tuesday & Thursday 8:00-4:00 pm
Wednesday 9:00-4:00 pm
Friday 8:00-1:00 pm

PO Box 1246
400 E. High Street
Jefferson City, MO 65102-1246

  • About
    • Products and Services
  • Rates
    • Loan Rates
    • Skip A Payment Application
    • Certificate Rates
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  • Find ATMs
  • Contact
  • Loan Application
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