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Missouri Central Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Missouri Central Credit Union's top rates as of October 9, 2026 are 3.65% APY on its 12 Month CD, 0.05% APY on savings, 1.90% APY on money market accounts, personal loans from 11.25% APR, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other Missouri Central Credit Union CD rates include 12 Month CD at 3.65%, 24 Month CD at 3.45%, and 24 Month CD at 3.45%. MonitorBankRates evaluates the financial stability of Missouri Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.16%. Rates last updated and verified on 10/09/2026.

Missouri Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Missouri Central Credit Union? Share your experience about Missouri Central Credit Union by leaving a review below, or read customer reviews before you decide to use Missouri Central Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.16%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Missouri Central Credit Union
Main Office
825 NE Deerbrook St
Lees Summit, MO 64086-6750
https://www.mocentral.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Missouri Central Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate 3.503% 3.648% 12 month
Min Deposit $500
Min Balance $500
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.62%4.15%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.65%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
12 Month Certificate 3.503% 3.648% 12 month
Min Balance $10,000
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
3.10%3.62%4.15%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.65%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
24 Month Certificate 3.353% 3.451% 24 month
Min Deposit $500
Min Balance $500
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.45% ▲ 0.00 pts · high 3.45% / low 3.45%
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYOct 1, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.45%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
24 Month Certificate 3.353% 3.451% 24 month
Min Balance $10,000
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.45% ▲ 0.00 pts · high 3.45% / low 3.45%
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYOct 1, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.45%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
36 Month Certificate - 3.445% 36 month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.37%3.95%Sep 18, 2026: 3.30% APYOct 1, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.45%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
18 Month Certificate 3.306% 3.405% 18 month
Min Deposit $500
Min Balance $500
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
18 Month Certificate 3.306% 3.405% 18 month
Min Balance $10,000
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
48 Month Certificate 3.301% 3.405% 48 month
Min Deposit $500
Min Balance $500
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
48 Month Certificate 3.301% 3.405% 48 month
Min Balance $10,000
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
6 Month Certificate 3.301% 3.405% 6 month
Min Deposit $500
Min Balance $500
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
6 Month Certificate 3.301% 3.405% 6 month
Min Balance $10,000
Details Higher APY for balances of $10,000 and over.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.41% ▲ 0.00 pts · high 3.41% / low 3.40%
2.90%3.40%3.91%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.41%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
60 Month Certificate - 3.337% 60 month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.34% ▲ 0.19 pts · high 3.34% / low 3.15%
2.65%3.24%3.84%Sep 18, 2026: 3.15% APYOct 1, 2026: 3.34% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.34%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
36 Month Certificate - 3.203% 36 month
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.20% ▲ 0.00 pts · high 3.20% / low 3.20%
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYOct 1, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.20%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
60 Month Certificate - 3.053% 60 month
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.05% ▲ 0.00 pts · high 3.05% / low 3.05%
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYOct 1, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.05%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union Savings Rates

Product Rate APY View More
Christmas Club - 0.05%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 9, 2026: 0.05% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Savings - 0.05%
Min Balance $5,000
Details Balance: $5,000 - $9,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 9, 2026: 0.05% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Savings - 0.05%
Min Balance $10,000
Details Balance: $10,000 and over
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 9, 2026: 0.05% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Savings - 0.03%
Min Balance $100
Details Balance: $100 - $999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.03% APY
0.00%0.27%0.53%Oct 9, 2026: 0.03% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Savings - 0.03%
Min Balance $1,000
Details Balance: $1,000 - $1,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.03% APY
0.00%0.27%0.53%Oct 9, 2026: 0.03% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Savings - 0.03%
Min Balance $2,000
Details Balance: $2,000 - $4,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.03% APY
0.00%0.27%0.53%Oct 9, 2026: 0.03% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union Money Market Rates

Product Rate APY View More
Money Market - 1.90%
Min Balance $200,000
Details Balance: $200,000 and over
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 1.90% APY
1.40%1.90%2.40%Oct 9, 2026: 1.90% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Money Market - 1.60%
Min Balance $75,000
Details Balance: $75,000 - $199,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 9, 2026: 1.60% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Money Market - 1.30%
Min Balance $50,000
Details Balance: $50,000 - $74,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 1.30% APY
0.80%1.30%1.80%Oct 9, 2026: 1.30% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Money Market - 1.20%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 1.20% APY
0.70%1.20%1.70%Oct 9, 2026: 1.20% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Money Market - 1.10%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 1.10% APY
0.60%1.10%1.60%Oct 9, 2026: 1.10% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Money Market - 1.00%
Min Balance $1,000
Details Balance: $1,000 - $9,999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Money Market - 0.80%
Min Balance $0
Details Balance: $0 - $999.99
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.80% APY
0.30%0.80%1.30%Oct 9, 2026: 0.80% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home equity line of credit - - 7.75%
Details Up to 80% LTV. Variable rate, subject to change quarterly. Maximum APR 20.04% (or maximum permitted by law). Credit limits $10,000 - $150,000. Available on single-family, owner-occupied homes in Jackson, Clay, Cass, Platte and Lafayette counties (MO) and Johnson and Wyandotte counties (KS).
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.75% APR
7.25%7.75%8.25%Oct 9, 2026: 7.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Home equity line of credit - - 8.75%
Details 80.1% - 95% LTV. Variable rate, subject to change quarterly. Maximum APR 20.04% (or maximum permitted by law). Credit limits $10,000 - $150,000. Available on single-family, owner-occupied homes in Jackson, Clay, Cass, Platte and Lafayette counties (MO) and Johnson and Wyandotte counties (KS).
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 9, 2026: 8.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union Auto Loan Rates

Product Rate Points APR Term View More
2025 - 2027 new vehicle Loan - - 5.20% 1 - 48 months
Details Published APR range: 5.20% - 13.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan - - 5.20% 49 - 60 months
Details Published APR range: 5.20% - 14.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New Auto Loan - - 5.20% 1 - 48 months
Details Published APR range: 5.20% - 13.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New Auto Loan - - 5.20% 49 - 60 months
Details Published APR range: 5.20% - 14.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan - - 5.30% 1 - 48 months
Details Published APR range: 5.30% - 13.99%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan - - 5.30% 49 - 60 months
Details Published APR range: 5.30% - 14.99%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 5.30% 1 - 48 months
Details Published APR range: 5.30% - 13.99%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 5.30% 49 - 60 months
Details Published APR range: 5.30% - 14.99%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan - - 5.70% 61 - 72 months
Details Published APR range: 5.70% - 14.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 9, 2026: 5.70% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New Auto Loan - - 5.70% 61 - 72 months
Details Published APR range: 5.70% - 14.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 9, 2026: 5.70% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan - - 5.80% 61 - 72 months
Details Published APR range: 5.80% - 14.99%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 9, 2026: 5.80% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 5.80% 61 - 72 months
Details Published APR range: 5.80% - 14.99%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 9, 2026: 5.80% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2020 - 2022 used vehicle Loan - - 6.20% 1 - 48 months
Details Published APR range: 6.20% - 14.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.20% APR · checked 2 times
5.70%6.20%6.70%Sep 18, 2026: 6.20% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2020 - 2022 used vehicle Loan - - 6.20% 49 - 60 months
Details Published APR range: 6.20% - 15.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.20% APR · checked 2 times
5.70%6.20%6.70%Sep 18, 2026: 6.20% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan - - 6.20% 73 - 84 months
Details Published APR range: 6.20% - 14.98%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.20% APR
5.70%6.20%6.70%Oct 9, 2026: 6.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New Auto Loan - - 6.20% 73 - 84 months
Details Published APR range: 6.20% - 14.98%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.20% APR
5.70%6.20%6.70%Oct 9, 2026: 6.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 6.20% 1 - 48 months
Details Published APR range: 6.20% - 14.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.20% APR
5.70%6.20%6.70%Oct 9, 2026: 6.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 6.20% 49 - 60 months
Details Published APR range: 6.20% - 15.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.20% APR
5.70%6.20%6.70%Oct 9, 2026: 6.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan - - 6.30% 73 - 84 months
Details Published APR range: 6.30% - 15.08%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.30% APR
5.80%6.30%6.80%Oct 9, 2026: 6.30% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 6.30% 73 - 84 months
Details Published APR range: 6.30% - 15.08%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.30% APR
5.80%6.30%6.80%Oct 9, 2026: 6.30% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2020 - 2022 used vehicle Loan - - 6.70% 61 - 72 months
Details Published APR range: 6.70% - 15.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.70% APR · checked 2 times
6.20%6.70%7.20%Sep 18, 2026: 6.70% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 6.70% 61 - 72 months
Details Published APR range: 6.70% - 15.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.70% APR
6.20%6.70%7.20%Oct 9, 2026: 6.70% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2017 - 2019 used vehicle Loan - - 7.20% 1 - 48 months
Details Published APR range: 7.20% - 15.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.20% APR · checked 2 times
6.70%7.20%7.70%Sep 18, 2026: 7.20% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2017 - 2019 used vehicle Loan - - 7.20% 49 - 60 months
Details Published APR range: 7.20% - 16.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.20% APR · checked 2 times
6.70%7.20%7.70%Sep 18, 2026: 7.20% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
2020 - 2022 used vehicle Loan - - 7.20% 73 - 84 months
Details Published APR range: 7.20% - 15.98%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.20% APR · checked 2 times
6.70%7.20%7.70%Sep 18, 2026: 7.20% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 7.20% 73 - 84 months
Details Published APR range: 7.20% - 15.98%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.20% APR
6.70%7.20%7.70%Oct 9, 2026: 7.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 7.20% 1 - 48 months
Details Published APR range: 7.20% - 15.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.20% APR
6.70%7.20%7.70%Oct 9, 2026: 7.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Auto Loan - - 7.20% 49 - 60 months
Details Published APR range: 7.20% - 16.89%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.20% APR
6.70%7.20%7.70%Oct 9, 2026: 7.20% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New boat / RV Loan - 7.25% 1 - 60 months
Details Published APR range: 7.25% - 15.00%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New motorcycle Loan - 7.25% 1 - 48 months
Details Published APR range: 7.25% - 15.00%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New boat / RV Loan - 7.75% 85 - 120 months
Details Published APR range: 7.75% - 16.50%. Minimum loan amount of $50,000. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.75% APR · checked 4 times
7.25%7.75%8.25%Sep 18, 2026: 7.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New motorcycle Loan - 7.75% 49 - 60 months
Details Published APR range: 7.75% - 15.70%. As low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.25% → 7.75% ▼ 0.50 pts · high 8.25% / low 7.75%
7.25%8.00%8.75%Sep 14, 2026: 8.25% APRSep 18, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20267.75%▼ from 8.25%
  • Sep 14, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Boat / RV Loan - 7.75% 1 - 60 months
Details Published APR range: 7.75% - 15.50%. Used boat/RV adds 0.50%; As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 5 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used motorcycle Loan - 7.75% 1 - 48 months
Details Published APR range: 7.75% - 15.50%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 5 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New boat / RV Loan - 8.25% 61 - 84 months
Details Published APR range: 8.25% - 16.00%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 4 times
7.75%8.25%8.75%Sep 18, 2026: 8.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Boat / RV Loan - 8.25% 85 - 120 months
Details Published APR range: 8.25% - 17.00%. Used boat/RV adds 0.50%; As low as; Minimum loan amount of $50,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 5 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used motorcycle Loan - 8.25% 49 - 60 months
Details Published APR range: 8.25% - 16.20%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 5 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New motorcycle Loan - 8.50% 61 - 72 months
Details Published APR range: 8.50% - 13.95%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 5 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
New boat / RV Loan - 8.75% 121 - 180 months
Details Published APR range: 8.75% - 16.50%. Minimum loan amount of $50,000. As low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.25% → 8.75% ▼ 0.50 pts · high 9.25% / low 8.75%
8.25%9.00%9.75%Sep 14, 2026: 9.25% APROct 9, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.75%▼ from 9.25%
  • Sep 14, 20269.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used Boat / RV Loan - 8.75% 61 - 84 months
Details Published APR range: 8.75% - 16.50%. Used boat/RV adds 0.50%; As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 5 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Used motorcycle Loan - 9.00% 61 - 72 months
Details Published APR range: 9.00% - 14.45%. As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 5 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum - 12.90%
Details No annual fee. Regular APR: 12.90%.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 12.90% APR
12.40%12.90%13.40%Oct 9, 2026: 12.90% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Visa Classic - 14.90%
Details No annual fee. Regular APR: 14.90%.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 14.90% APR
14.40%14.90%15.40%Oct 9, 2026: 14.90% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union Personal Loan Rates

Product APR Term View More
Personal (signature) loan 11.25% 1 - 36 months
Details Published APR range: 11.25% - 19.00%. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.25% APR
10.75%11.25%11.75%Oct 9, 2026: 11.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%

Missouri Central Credit Union Other Rates

Product Rate Points APY/APR Term View More
Line of credit - - 13.00%
Details Published APR range: 13.00% - 23.00%. Also the overdraft protection LOC. APR range. As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
12.50%13.00%13.50%Oct 9, 2026: 13.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.16%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Missouri Central Credit Union’s Texas Ratio fell from 12.31% in Q3 2023 to 5.16% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.2% 2.0★ 8.3% 3.0★ 12.5% 4.0★ 16.6% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 12.31% A Q3 2023 A Q4 2023 A Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 5.16% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$123M5.16%5.0A+
March 31, 2026$125M3.60%5.0A+
December 31, 2025$123M3.48%5.0A+
September 30, 2025$124M3.83%5.0A+
June 30, 2025$123M5.29%5.0A+
March 31, 2025$79M2.98%5.0A+
December 31, 2024$78M3.69%5.0A+
September 30, 2024$77M5.20%5.0A+
June 30, 2024$78M5.12%5.0A+
March 31, 2024$77M7.85%5.0A
December 31, 2023$77M7.60%5.0A
September 30, 2023$78M12.31%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Missouri Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Missouri Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Missouri Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Missouri Central Credit Union
Website https://www.mocentral.org
Address 825 NE Deerbrook St, Lees Summit, MO 64086-6750
Phone 816-246-0002
Fax 816-246-0043
President Dominique Bennett
CEO Josh Wooley
Full-Time Employees 27
Part-Time Employees 2
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.16%
Return on Assets (ROA)
0.1433%
Return on Equity (ROE)
1.5468%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
123,276,154
Total Amount of Shares and Deposits
113,495,535
Total Shares and Deposits < 1 Year
110,662,822
Total Shares and Deposits 1 3 Years
2,759,554
Total Shares and Deposits > 3 Years
73,157
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,679,113
Total Uninsured Shares and Deposits > $250K (F+J)
6,679,113
Total Insured Shares and Deposits > $250K (item 17 less item K)
106,816,422
Total Interest Expense (Sum of items 6 8)
487,725
Share Certificates
637
Number of Accounts for Share Drafts
5,358
IRA KEOGH Accounts
326
Number of Accounts for Regular Shares
12,353
Money Market Shares
745
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,762,688
Total Liabilities
113,500,817
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Missouri Central Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/missouri-central-credit-union-rates-review-64036">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Missouri Central Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Missouri Central Credit Union

How many branches does Missouri Central Credit Union operate?

Missouri Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Missouri Central Credit Union?

Yes, to access services at Missouri Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Missouri Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Missouri Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Missouri Central Credit Union offer online and mobile banking?

Most modern institutions like Missouri Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mocentral.org.

Current Missouri Central Credit Union Rates

  • 12-Month CD3.65%
  • 18-Month CD3.40%
  • 24-Month CD3.45%
  • 60-Month CD3.05%
  • Savings0.05%
  • MMA1.90%
Retrieved from our database of financial products. Rates subject to change.

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