Missouri Credit Union offers four different types of mortgages: Conventional, FHA, USDA and VA. You can learn more about these types of mortgages on our Home Loans page, or visit our Mortgage Loan Calculator, Mortgage FAQ or First-Time Home Buyers pages for additional information and resources.

Conventional Mortgage Rates

Term Rate APR1 Monthly Payment1
10 Year 2.500% 2.597% $1,414.05
15 Year 2.500% 2.566% $1,000.18
20 Year 2.875% 2.927% $822.54
30 Year 3.000% 3.037% $632.41

1APR = Annual Percentage Rate. 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 $1650. The loan origination fee may be waived for a 0.25% rate increase. Rates subject to change at any time. APRs, monthly payments and closing costs may vary depending on the borrower’s particular set of circumstances. Your rate will be based on evaluation of credit history, loan-to-value, and loan term so your rate may differ.

FHA Mortgage Rates

Term Rate APR1 Monthly Payment1
15 Year 3.625% 3.693% $1,081.56
30 Year 3.375% 3.412% $663.14

1APR = Annual Percentage Rate. 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 $1650. The loan origination fee may be waived for a 0.25% rate increase. Rates subject to change at any time. APRs, monthly payments and closing costs may vary depending on the borrower’s particular set of circumstances. Your rate will be based on evaluation of credit history, loan-to-value, and loan term so your rate may differ.

USDA Mortgage Rates

Term Rate APR1 Monthly Payment1
15 Year 3.500% 3.568% $1,072.32
30 Year 3.500% 3.538% $673.57

1APR = Annual Percentage Rate. 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 $1650. The loan origination fee may be waived for a 0.25% rate increase. Rates subject to change at any time. APRs, monthly payments and closing costs may vary depending on the borrower’s particular set of circumstances. Your rate will be based on evaluation of credit history, loan-to-value, and loan term so your rate may differ.

VA Mortgage Rates

Term Rate APR1 Monthly Payment1
15 Year 3.750% 3.824% $1,090.83
30 Year 3.375% 3.412% $663.14

1APR = Annual Percentage Rate. 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 $1650. The loan origination fee may be waived for a 0.25% rate increase. Rates subject to change at any time. APRs, monthly payments and closing costs may vary depending on the borrower’s particular set of circumstances. Your rate will be based on evaluation of credit history, loan-to-value, and loan term so your rate may differ.

Apply for a Mortgage Online

Give Missouri Credit Union a call for more information on mortgages and mortgage rates.

573.874.1477 | Columbia, MO
573.635.8007 | Jefferson City, MO
800.451.1477 | Toll Free (Outside of Columbia and Jefferson City)
573.874.1300 | FAX