Loans & Services:

New & Used Auto Loans
When it comes to financing your car, you can trust MBCU not to steer you in the wrong direction. Whatever your desire in autos, we have the perfect loan for you. We make loans on any type of Automobile, Marine Craft, Motorcycle, and Recreational Vehicle. We offer up to 100% financing and terms for 72 months or less with competitive rates. Check our terms and rates. Contact MBCU for more details.

Signature Loans
Our Signture Loan is an exceptional means of financing major purchases or consolidating high interest debt. With a MBCU Signature Loan, you can borrow a set amount over a 3-year term with an established monthly payment plan without having to secure the loan with collateral. Check our terms and rates. Contact MBCU for more details.

Lines-of-Credit
MBCU offers the flexibility of borrowing from a preapproved amount, as you need it from a Line-of-Credit Loan. This loan resembles advances from a credit card without the plastic and high interest rate! As you make payments toward your Line-of-Credit Loan, you replenish your available amount. This loan is great for adding that long awaited addition to your home, building a deck, making unexpected auto repairs, or buying a computer, etc. With a touch-tone telephone, you can enjoy 24-hour access to your Line-of-Credit Loan through the Audio-Response Service. Check our terms and rates. Contact MBCU for more details.

Mortgage Loans

MBCU has teamed up with Mid-Missouri Mortgage Company so we may offer our members the opportunity of purchasing / refinancing a home. With competitive rates, give MBCU a call to see if we can assist you with your new home purchase. Contact MBCU for more details.

Home Equity Lines-of-Credit Loan

MBCU offers HomeEquity Lines-of-Credit Loan. Check our terms and rates. Or contact MBCU for more details.

Share (Savings) Secured & CD Secured Loans
The Share (Savings) Secured & CD Secured Loans are an exceptional means of low interest financing. For the term of 60 months or less and an interest rate of 3% added to your deposited rate, MBCU will make you a loan using your Share Savings or CD as security while your savings and CD continues earning interest. Check our terms and rates. Contact MBCU for more details.

Overdraft Protection Loan
Ever wrote that Share Draft (check) wondering if it will clear your credit union account. Do not worry any longer! MBCU provides an Overdraft Protection Loan. If you have a Share Draft (Checking) Account with MBCU, you can apply for an Overdraft Protection Loan with a $500.00 limit. This loan is designed to cover checks wrote on your Share Draft (Checking) Account. Check our terms and rates.Contact MBCU for more details.

Shares (Savings)
A minimum one-time deposit of $26.00 into a Share (Savings) Account is required to become a member of the Missouri Baptist Credit Union. From the $26.00, $25.00 is a deposit into your established Share (Savings) Account, and $1.00 is the membership fee. Your $25.00 deposit begins to earn interest immediately at our quoted quarterly APR/APY rates . As long as $25.00 is on deposit, you may remain a member for life. You will receive by mail a quarterly statement on your account. Each credit union account is insured up to $100,000.00 by the National Credit Union Administration, an agency of the Federal Government specifically for credit unions. Contact MBCU for more details on "How to Join".

Share Draft (Checking)
At your credit union, you can enjoy unlimited check writing "FREE" with no required minimum balance and no monthly service charges. MBCU will pay you a monthly dividend calculated on the average balance of your Share Draft (Checking) at our quoted monthly APR/APY rates . You will receive by mail a monthly statement on your account. Contact MBCU for more details.

Virtual Branch
With our Virtual Branch Home Banking Service, you can get the balance of any of your listed accounts (checking, savings, loans, and many more) on a simple consolidated account list. Your balance information is delivered with up-to-the-minute accuracy. In addition, you can check other important information like your next payment date on loans and dividend information on accounts. And every account can display current transaction history at the touch of a finger so you can keep your checkbook register up-to-date and your statement balanced. Visit our Virtual Branch

Debit Cards
The cuCheck Card adds an exciting new dimension to your credit union checking account, by letting you make purchases quickly and easily. Use the cuCheck Card to purchase goods and services as if you were writing a check. Only instead of dealing with the customary red tape that comes with check-writing, you simply had the merchant your cuCheck Card. Your Purchases are automatically deducted from your checking account - just like checks. There’s no interest charged on purchases. Plus you’ll get a receipt for each purchases for accurate recordkeeping, and each transaction will be detailed on your monthly statement. Contact MBCU for details.

ATM Cards
MBCU ATM Card is a quick and easy way to access your share (Savings) or share draft (Checking) accounts anywhere/anytime in the United States or abroad. You can use your MBCU ATM Card at an Automated Teller Machine (ATM) bearing the network logos of Cirrus, Co-op, Star/Honor, AVAIL, The Exchange, or Member Access. MBCU charges a usage fee of $1.00 for inquiries and transactions. MBCU charges no usage fee at a Member Access ATM. The MBCU ATM Card can be used anywhere in the United States or abroad for making purchases when the merchants card machine accepts the network logos of Cirrus, Co-op, Star/Honor, AVAIL, or The Exchange. Contact your MBCU for more details concerning the MBCU ATM Card.

Audio Response Service
MBCU Audio Response Service acts as your 24-Hour Teller. With this service, MBCU members can access their accounts anytime or anywhere 7 days a weeks. With this service and the use of a touch-tone telephone, members can hear real-time transactions. This service is free for five visits during a month to the Audio Response Service. A $.50 fee per visit will be charged to a members accounts after the fifth visit. By calling (888)857-0396 a MBCU member can:

• Check Account Balances – Shares or Share Drafts
• Request Checks from Shares or Share Drafts Accounts
• Check Loan Balances
• Transfer Money Between Shares or Share Drafts Accounts
• Check Manual or Direct Deposits
• Transfer Loan Payments from Shares or Share Drafts Accounts
• Advance Line-of-Credit Loans
• Check Loan, Share, and Certificate of Deposit Rates
• This Service is Bilingual

Guaranteed Auto Protection (GAP)

This program is design to help payoff your remaining balance of you vehicle loan in the event your primary insurance company doesn't pay the full balance. Usually your primary insurance carrier will pay the actual cash vaue (current market value) of your vehicle less your deductible if you vehicle is totaled or stolen. Call MBCU for more details on GAP.