Missouri Baptist Credit Union

A full service financial institution ready to serve the Baptist Community

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Loan Rates

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NEW AUTO LOAN RATES

Credit Score60 Months72 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 Score2015-20192010-20142009 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 MOTORCYLYE/ATV/BOAT/CAMPER/RV

Credit Score60 Months72 Months
750 and Above3.49%3.49%
700-7493.99%3.99%
670-6994.99%5.49%
640-6696.99%7.49%
639 and Below9.99%10.49%
**New Vehicles will lend up to 72 Months

USED MOTORCYLYE/ATV/BOAT/CAMPER/RV

Credit Score2015-20192010-20142009 and Older
750 and Above3.99%4.49%4.99%
700-7494.49%4.99%5.49%
670-6995.99%6.49%6.99%
640-6697.99%8.49%8.99%
639 and Below10.99%13.99%14.99%
*Members may borrow up to MSRP on new vehicles or 100% N.A.D.A. retail value for used vehicles.
**Loans up to 72 months will be granted on new vehicles, 2018-2019
**Loans up to 60 months will be granted on used vehicles, 2014-2017
**Loans up to 48 months will be granted on used vehicles, 2009-2013
**Loans up to 36 months will be granted on used vehicles, 2008 and older
**84 month loan terms will only be granted per the terms set forth in the policy manual
*.50% will be added to any rate for loan terms greater than those listed above

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%
.25% Rate Discount for each addition loan with MBCU (Minimum Rate 1.99%)

HOME EQUITY LOAN RATES

Credit ScoreRateCurrent RateMax HTLTV
750 and AbovePrime plus 0.50%3.75%90.00%
700-749Prime plus 1.00%4.25%85.00%
670-699Prime plus 1.50%4.75%85.00%
640-699Prime plus 2.00%5.25%80.00%
639 and Below******
As of 3/16/2020 WSJ Prime Rate is 3.25%
Rate is fixed for 5 years from open of HELOC. Rates adjusted quarterly thereafter.
Home must be borrower's primary residence.
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%
Advances allowed 10 years
Maximum repayment of 20 years
Minimum LOC $1,000/ Maximum LOC $150,000
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 HTL TV 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
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