1 1

Missouri Central Credit Union

Missouri Central Credit Union NMLS#: 477560

Missouri Central Credit Union NMLS#: 477560

Missouri Central Credit Union

Make your entire buying experience easier, faster, and more secure with the Bird Dawg Network Field Guide Shopping Solution. Our no‑cost, no‑hassle process is designed to minimize your stress and protect your privacy from start to finish.

Add this business to your bundle to unlock personalized support during your purchase. Simply complete your checkout and a representative will contact you to take you to the final step of your buying process.

Instead of blasting your personal information across multiple websites and businesses, you stay in control. You choose who you want to work with and when. Share your details only with the providers you select, or Contact Us and schedule a visit.

Enjoy a smoother, more private shopping experience with Bird Dawg Network’s Field Guide Shopping Solution—built to help you shop smarter, save time, and avoid the usual buying headaches.

Missouri Central Credit Union

Located at 825 NE Deerbrook St, Lee's Summit, MO 64086

Big Bank vs Credit Union: Your Choice Matters

With Big Banks

Profits first, people second.
And by people, we mean shareholders. Your money lines the pockets of Wall Street.

Nationwide = Impersonal.
You're just a number among millions.

Your money leaves the community.
Off to fund another stockbroker's bonus.

With MCCU

People first, profits second.
Your money stays local.

Local = Personal.
We learn your name and your story.

Your money grows the community.
Supporting neighbors and local businesses.

Your Money Can Make an Impact on Your Community. Here's How.

  • Become
    a Member

    Be part of the group of people whose choice of where to bank has real-world impact right here in our community.


  • Impact
    Your Community

    When you bank at Missouri Central Credit Union, every time you spend, save, get a loan, use an online service, or refer a friend, it's a concrete action that incrementally helps build a stronger community. 

 

Checking

Savings

Loans

We strive to give our members the best loan interest rate possible. All loans are simple interest. Interest rates are subject to change quarterly. These rates do not reflect any promotional rates. Additional discounts may be available based on other services you have with Missouri Central Credit Union. 

2025 - 2026 New Vehicle Loan Rates
Approx. Term APR* Range
1 - 48 Months 5.25% - 13.89%
49 - 72 Months 5.50% - 14.89%
73 - 84 Months 6.50% - 14.98%
Max LTV 120%  -  80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

Max Miles 15,000

2022 - 2025 Used Vehicle Loan Rates
Approx. Term APR* Range
1 - 48 Months 5.35% - 13.99%
49 - 72 Months 5.60% - 14.99%
73 - 84 Months 6.60% - 15.08%
Max LTV 120%  - 80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

2019 - 2021 Used Vehicle Loan Rates
Approx. Term APR* Range
1 - 48 Months 6.25% - 14.89%
49 - 72 Months 6.50% - 15.89%
73 - 84 Months 7.50% - 15.98%
Max LTV 120%  -  80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.

2016 - 2018 Used Vehicle Loan Rates
Approx. Term APR* Range
1 - 48 Months 7.25% - 15.89%
49 - 60 Months 7.50% - 16.89%
Max LTV 100% - 80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  Some mileage restrictions apply.  Ask for details.
For 2015 and older, contact the credit union.
 

New Motorcycle Loan Rates
Approx. Term APR* Range
1 - 48 Months 7.25% - 15.00%
49 - 60 Months 7.75% - 15.70%
61 - 72 Months 8.50% - 13.95%
Max LTV 110%  - 80%

LTV is Loan To Value.
*APR = Annual Percentage Rate.  61 - 72 months not available in all categories.

Used Motorcycle Loan Rates
Approx. Term APR* Range
1  -  48 Months 7.75% - 15.50%
49 - 60 Months 8.25% - 16.20%
61 - 72 Months 9.00% - 14.45%
Max LTV 110%  -   75%

LTV is Loan To Value.
*APR = Annual Percentage Rate

New Boat & RV Loan Rates
Approx. Term APR* Range
1   -   60 Months 7.25% - 15.00%
61 -   84 Months 8.25% - 16.00%
85 - 120 Months 7.75% - 16.50%
121-180 Months 8.75% - 16.50%**
Max LTV 110%  -   75%

LTV is the loan to value
*APR = Annual Percentage Rate.  85 to 180  months not available in all categories
**Minimum loan amount of $50,000.

Used Boat & RV Loan Rates
Approx. Term APR* Range
1    -   60 Months 7.75% - 15.50%
61  -   84 Months 8.75% - 16.50%
85  - 180 Months 8.25% - 17.00%**
Max LTV 110% - 75%

Must mature by 25 years old
LTV is the loan to value
*APR = Annual Percentage Rate.   85 to 180 months not available in all categories.
**Minimum loan amount of $50,000.

Signature Loans
Term APR* Range
1 - 36 Months 11.25% - 19.00%

LTV is the loan to value
*APR = Annual Percentage Rate

 

Line-Of-Credit, Overdraft Protection Line-Of-Credit
  APR* Range
  13.00% - 23.00%

 

Share Secured & Certificate Secured Loan Rates
Loan Type APR*
Share Secured 3.00% over the certificate yield
Certificate Secured 2.00% over the certificate yield

*APR = Annual Percentage Rate

Mortgage Rates
Loan Type APR*
Conventional 30 Year Fixed Mortgage Please call for a quote
Conventional 15 Year Fixed Mortgage Please call for a quote

 

Missouri Central Credit Union, 825 NE Deerbrook, Lee’s Summit MO 64086 and Financial Funding Solutions Inc., dba Pivot Lending, 120 S. Central Ave, Clayton, MO 63105 do business in accordance with all applicable State and Federal Laws, including but not limited to Fair Lending and The ECOA and are regulated by the Missouri Division of Finance. Missouri Central Credit Union NMLS #477560 Financial Funding Solutions, Inc. NMLS #109995.

Home Equity Line-Of-Credit
Loan Type APR*
PRIME - Up to 80% loan to value 7.50%
Home Equity Plus - 80.1% to 95% loan to value 9.50%

*APR = Annual Percentage Rate.

Current as of April 1, 2025.

A Home Equity Line of Credit is a variable rate loan. The interest rate is subject to change quarterly on the first day of January, April, July, and October.  There is no limit on the amount by which the APR can change during any one year.  The maximum Annual Percentage Rate that can apply is 20.04% or the maximum permitted by law, whichever is less.  We use the highest Prime Rate per the Wall Street Journal on the 10th of March, June, September and December.

The maximum credit limit is $150,000 and the minimum credit limit is $10,000.  If an appraisal is required, the fee may be collected at application. 

These loans are available on single family, owner occupied homes in the following counties: Jackson, Clay, Cass and Platte counties in Missouri, and Johnson and Wyandotte counties in Kansas.

Primary Share Savings
Average Daily Balance APY
$0 - $99.99 0.00%
$100.00 - $999.99 0.03%
$1,000.00 - $1,999.99 0.03%
$2,000.00 - $4,999.99 0.03%
$5,000.00 - $9,999.99 0.05%
$10,000.00 and over 0.05%

*APY = Annual Percentage Yield
Interest is paid and subject to change quarterly. These annual percentage yields are effective November 20, 2025.

Premier Money Market
Average Daily Balance APY
$0 - $999.99 0.80%
$1,000.00 - $9,999.99 1.00%
$10,000.00 - $24,999.99 1.10%
$25,000.00 - $49,999.99 1.20%
$50,000.00 - $74,999.99 1.30%
$75,000.00 - $199,999.99 1.60%
$200,000 and over 1.90%

*APY = Annual Percentage Yield
Interest is paid and subject to change monthly. These annual percentage yields are effective as of November 20, 2025.

CD Special - $5,000 minimum
Term APY APR
     
Share Certificates & IRA Share Certificates
Term $10,000 and over $500.00 - $9,999.99
6 Month Term 3.50% APY 3.40% APY
12 Month Term 3.60% APY 3.50% APY
18 Month Term 3.40% APY 3.30% APY
24 Month Term 3.55% APY 3.45% APY
36 Month Term 2.90% APY 2.80% APY
48 Month Term 3.00% APY 2.90% APY
60 Month Term 3.00% APY 2.90% APY

APY = Annual Percentage Yield
Interest is paid quarterly. Rates are subject to change weekly. These annual percentage yields are current as of November 20, 2025. Penalty for early withdrawal will decrease the yield.

Premier Checking
Account Type APY
Premier Checking 0.10%

Interest is paid monthly and subject to change quarterly.

Call us: 1 816-246-0002

View full details