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Loan Rates

Effective as of: 2/16/2013

NEW AUTO LOAN RATES
Score60 Months72 Months
7501.99%1.99%
700-7492.49%2.49%
670-6993.75%3.75%
640-6695.99%6.49%
6398.99%9.49%
 
USED AUTO LOAN RATES
Score2011-20142006-20102005 and Older
7501.99%2.49%3.49%
700-7492.49%2.99%3.99%
670-6993.75%4.25%5.25%
640-6696.49%6.99%7.99%
6399.49%12.99%13.99%
 
NEW MOTORCYLYE/ATV/BOAT/CAMPER/RV
Score60 Months72 Months
7204.50%5.00%
690-7195.50%6.00%
660-6897.50%8.00%
6599.50%10.00%
New – Up to 72 Months WILL LOAN 100% OF N.A.D.A RETAIL VALUE
 
USED MOTORCYLYE/ATV/BOAT/CAMPER/RV
Score2012-20142006-2011Used 2005 and Older
7204.50%5.50%6.00%
690-7195.50%6.00%7.00%
660-6897.50%8.50%9.50%
6599.50%10.50%12.00%
2009-2013 – Up to 60 Months WILL LOAN MSRP ON NEW VEHICLES
2006-2008 – Up to 48 Months**maximum advance NADA average trade in
2005 and Older – 36 Months(no add for vehicle options)
 
UNSECURED LOAN RATES
ScoreLine of CreditSignature
7208.50%8.50%
690-7199.50%9.50%
660-68910.50%10.50%
65913.50%13.50%
Credit score 629 and Below Signature loans require dual approval by credit union.
 
SPECIAL SIGNATURE SUMMER LOAN PROMOTION
ScoreRate
720 and Above3.50%
690-7194.00%
660-6894.50%
659 and Below5.00%
Credit score 629 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
720 and AbovePrime plus 0.50%3.75%90%
680-719Prime plus 1.00%4.25%85%
640 -680Prime plus 1.50%4.75%85%
620-640Prime plus 2.00%5.25%80%
620 and BelowN/AN/AN/A
Rate is fixed for 5 years from open of HELOC. Rates adjusted quarterly thereafter.
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