Missouri & Illinois residents only. Must qualify for membership. $1 share deposit required.
Rates, terms and conditions subject to change without notice.
Your APR will vary based on your final loan amount and finance charges. ARM's APR may increase after closing.
Fixed rate terms of 15 years or longer requires 20% down to avoid Private Mortgage Insurance (PMI). All other terms require 10% down to avoid PMI.
The maximum loan amount for our 15 to 40-year fixed rate products is $417,000.
Fees and other prepaid items may affect the APR.
The examples below are based on a loan amount of $150,000 with a 20% down payment and monthly repayment.

Fixed Rate Mortgages:

10-YR FIX: Amount borrowed: $150,000.00, 80% LTV, 5.75% rate and 5.7571% APR, Payment amount: $1,646.54.
15-YR FIX: Amount borrowed: $150,000.00, 80% LTV, 5.6250% rate and 5.63% APR, Payment amount: $1,235.60.
20-YR FIX: Amount borrowed: $150,000.00, 80% LTV, 5.8750% rate and 5.8790% APR, Payment amount: $1,063.86.
30-YR FIX: Amount borrowed: $150,000.00, 80% LTV, 6.00% rate and 6.003% APR, Payment amount: $899.33.
40-YR FIX: Amount borrowed: $150,000.00, 80% LTV, 6.3750% rate and 6.3776% APR, Payment amount: $864.86.

Balloon Mortgages:

5-YR BAL: Amount borrowed: $150,000.00, 80% LTV, 5.250% rate and 5.2576% APR, Payment amount: $828.31.
7-YR BAL: Amount borrowed: $150,000.00, 80% LTV, 6.250% rate and 6.2559% APR, Payment amount: $923.58.
Construction Loan: Amount borrowed: $150,000.00, 80% LTV, 5.250% rate and 5.240% APR, Payment amount: $828.31.

Adjustable Rate Mortgages:

5-YR FLEX: Amount borrowed: $150,000.00, 80% LTV, 6.250% rate and 6.2493% APR, Payment amount: $989.50.
1/1 ARM: Amount borrowed: $150,000.00, 80% LTV, 4.500% rate and 5.9768% APR, Payment amount: $760.03.
3/1 ARM: Amount borrowed: $150,000.00, 80% LTV, 5.000% rate and 5.8453% APR, Payment amount: $805.23.
5/1 ARM: Amount borrowed: $150,000.00, 80% LTV, 5.3750% rate and 5.8366% APR, Payment amount: $839.96.

Land Loans:

2-YR BAL: Amount borrowed: $150,000.00, 80% LTV, 7.250% rate and 7.2676% APR, Payment amount: $1,369.29.
3-YR BAL: Amount borrowed: $150,000.00, 75% LTV, 7.750% rate and 7.7625% APR, Payment amount: $1,411,91.
5-YR BAL: Amount borrowed: $150,000.00, 75% LTV, 8.250% rate and 8.2585% APR, Payment amount: $1,455.21.