400 East Miller Street
Jefferson City, MO 65101
(573) 636-5338
(800) 347-7680

 
       
 

Loan Rates

As a not-for-profit financial institution working to serve our members’ financial needs, Employment Security Credit Union provides affordable loan rates and and flexible terms. Consult the charts below for our current rates, and contact us to learn more about how we can help you reach your goals!

Vehicle Loan Rates
(Cars, Trucks, SUVs, Boats, RVs, and Motor Homes)

All rates given reflect Annual Percentage Rate*

Model Term Rate Conditions**
New 72 mo. As low as 3.00% Up to 100% LTV
Minimum $20k loan
New/Used 66 mo. As low as 2.75% Up to 100% LTV
Minimum $20k loan for used
New/Used 60 mo. As low as 1.90% Up to 100% LTV
New/Used 48 mo. As low as 1.90% Up to 100% LTV
New/Used 36 mo. As low as 1.75% Up to 100% LTV
Used 4-9 years 48 mo. As low as 3.50% Up to 100% LTV
Used 10+ years 36 mo. As low as 3.75% Up to 100% LTV
Used ≤ 10 years 60 mo. As low as 3.50% Up to 100% LTV
Minimum $15k loan

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.
**LTV=Loan-to-value. Vehicle values determined by sticker price or NADA guide.

Note: Extended terms up to 120 months are available for boats, RVs and motor homes. Please contact the credit union for complete details, restrictions and applicable rates.

Personal Loan Rates

All rates given reflect Annual Percentage Rate*

Loan Term Rate Conditions
Signature Up to 12 mo.
Up to 24 mo.
Up to 36 mo.
As low as 8.00%
As low as 8.50%
As low as 9.00%
Maximum $4k loan or 20% of member's gross annual salary, not to exceed $15k
Line of Credit Open As low as 14.00%  
Share Secured Up to 60 mo. 3.0% above dividend  
Certificate Secured Up to maturity 2.0% above dividend  

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details.

Visa® Credit Card Rates

All rates given reflect Annual Percentage Rate*

Card Type Rate Conditions
Visa Classic 13.90% Maximum limit ranges from $500 to $10k based on debt ratio and other factors.

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current rates and details.

Please contact the credit union for current rates for home equity loans.

Loan Rates

Savings Rates

Fee Schedule