Home Loans

Home loans from MCU satisfy.

Member Benefit: Ultra and Plus Advantage Level member

Missouri Credit Union (MCU) offers competitive rates on home loans and home equity loans to help our members reach their financial goals.

Loan Programs

Fixed Rate Mortgage (FRM): With a fixed rate mortgage you have the comfort of knowing your payment and interest rate will never change. The interest rate remains fixed throughout the life of the loan.

Adjustable Rate Mortgage (ARM): This mortgage has a rate that is tied to an index and is subject to change periodically depending on which ARM program best fits your needs.

Jumbo Loans: A loan above $417,000. The Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation set these limits. Because jumbo loans cannot be funded by these two agencies, they usually carry a higher interest rate.

Home Equity Line of Credit (HELOC): This loan lets the equity in your home work for you. You can borrow up to 80% of the equity in your home, which is determined by a current appraisal or county assessment. The line of credit is open for 10 years with the option to renew. You can access your funds by simply writing a check directly from the line of credit, MCU Call24, MCU@Home, and through the teller line.

Home Improvement: This loan allows you to use up to 90% of the equity in your home and receive a one-time advance to make improvements on your home, consolidate debt, or any other purchases or any other expenses that may have come up.

More Convenience

Since MCU retains the servicing of your loan, it's easy to make your loan payment and check your balance. Using MCU@Home, you can make your payments and check your balance 24/7 or, if you prefer, your payment can be automatically deducted from any share account — whether it's at MCU or at another financial institution in the United States.

Frequently Asked Questions

Loan Calculator

Home Rates

What to bring to your MCU Real Estate Lender

Policies & Disclosures