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Home Loans

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What to bring to Your MCU Real Estate Lender

Great rates. Great buying experience. Home of your dreams – coming soon.
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Home loans

Home is where you hang your hat. And throw your boots. And raise your kids. And rebuild your deck. And host a turkey-day whirlwind. And breathe a sigh of relief when the last guest standing finally leaves with an armful of cranberry sauce and a quarter-pound of nuts. Home. It’s where you say goodnight. And good job, honey. Thanks for finding us a great rate.

As a member, you’ll get access to great mortgage rates with flexible options so you can choose the loan that best fits your needs. See what we can do for you and your dream house.

With approved credit. Some restrictions may apply. 

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.

Home Equity Line of Credit (HELOC): This loan lets the equity in your home work for you. You can borrow up to 89% 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.

Federal Home Loan Bank Grant: This special program offers potential home buyers a $5000 grant to help purchase a home. For details, please call Kristy Bryant, Vice President/Mortgage Lending at 573-817-5431.

With approved credit. Some restrictions may apply.

Easy ways to pay

Since MCU retains the servicing of your mortgage, it's easy to make payments and check your balance through mcu@home. If you prefer, your payment can be automatically deducted from any deposit account — whether it's at MCU or another financial institution in the United States.

Home Rates

Great rates for the house of your dreams. That’s what you want and that’s what we offer members. Bedroom colors and where to put the credenza? We'll leave that up to you.  

With approved credit. Some restrictions may apply.

Mortgage Loan Rates

Loan TypeRateAPR1Monthly Payment 1
30 Year Fixed Rate3.750%3.788%$694.67
20 Year Fixed Rate3.625%3.678%$879.61
15 Year Fixed Rate3.000%3.067%$1,035.87
10 Year Fixed Rate2.875%2.973%$1,439.77

1 APR and Monthly Payment Assumptions: APRs and monthly payments are calculated using loan amount of $150,000. APRs include 15 days accrued interest; assume monthly repayment; maximum loan-to-value of 80%. Average closing costs are $1,820. APRs, monthly payments and closing costs may vary depending on the borrower's particular set of circumstances.

For refinancing or for non-owner occupied, loan amounts under $60,000 or more than $417,000 (Jumbo Rate), please contact staff in the MCU Real Estate Loan Department. All rates and terms are subject to change at any time. Please call for current rates and terms.

With approved credit. Some restrictions may apply.

(573) 874-1477 | Columbia
(573) 635-8007 | Jefferson City
(800) 451-1477 | Toll-free (Outside of Columbia or Jefferson City only)
(573) 874-1300 | Fax
(573) 817-5445 | TTY-TDD