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

 
       
 

Loan Rates - Effective Jan. 2, 2020

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!

Auto Loan Rates

All rates given reflect Annual Percentage Rate*

Model Term Rate Conditions**
2018 - 2021 48 mo. As low as 2.20%  
60 mo. As low as 2.45%  
66 mo. As low as 2.70%  
72 mo. As low as 2.95%  
84 mo. As low as 3.70% Min. $60k loan
2012 - 2017 48 mo. As low as 3.20%  
60 mo. As low as 3.70% Min. $15k loan
2011 & older 36 mo. As low as 3.45% Min. $5k loan
48 mo. As low as 3.95% Min. $15k loan

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

RV, Boat, Motorhome & Motorcycle Rates

All rates given reflect Annual Percentage Rate.*

Model Term Rate Conditions**
2018 - 2021 48 mo. 5.00% 85% of NADA
60 mo. 5.25% 85% of NADA
66 mo. 5.50% 85% of NADA
72 mo. 5.75% Min. $40k loan; 85% of NADA
84 mo. 5.00% Min. $60k loan; 85% of NADA
96 mo. 5.25% Min. $60k loan; 85% of NADA
120 mo. 5.50% Min. $60k loan; 85% of NADA
2012 - 2017 48 mo. 5.50% Min. $15k loan; 85% of NADA; No motorcycles
60 mo. 5.75% 85% of NADA; No motorcycles
2011 & older 36 mo. 6.00% Min. $15k loan; 85% of NADA; No motorcycles
48 mo. 6.50% 85% of NADA; No motorcycles

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

Non-Titled Collateral Loan Rates (Purchase Only)

All rates given reflect Annual Percentage Rate.*

Model Term Rate Conditions**
New/Used 36 mo. As low as 5.75% Max. $15k loan
48 mo. As low as 5.90% Max. $15k loan
4 - 9 years old 48 mo. As low as 7.50% Max. $15k loan
10+ years old 36 mo. As low as 7.00% Max. $15k loan

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

Personal Loan Rates

All rates given reflect Annual Percentage Rate*

Loan Term Rate Conditions
Signature Up to 24 mo. As low as 8.50% Maximum $4k loan or 20% of member's gross annual salary, not to exceed $15k
Up to 36 mo. As low as 9.50%
Up to 48 mo. As low as 10.00%
Line of Credit Up to 36 mo. As low as 9.50% Maximum $4k loan or 20% of member's gross annual salary, not to exceed $15k. Updated application must be filled out yearly.
Overdraft Line of Credit Up to 12 mo. 14.00% Maximum $1,000
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