Rates effective December 5 to December 16, 2024.

Loan Type Annual Percentage Rate (APR)
New Autos (2024 - 2020) As low as 6.24%*
Used Autos (2019 - 2005) As low as 7.25%*
New Agriculture Equipment & Machinery (2024 - 2020) 7.25%
Used Agriculture Equipment & Machinery (2019 and older) 9.25%
New Utility Vehicles & New Lawn Equipment 7.25%
Used Lawn Equipment 9.25%
Home Equity 8.00%
First Mortgage 30 Year Fixed Rate – Conventional: 5.75%
20 Year Fixed Rate – Conventional: 5.50%
15 Year Fixed Rate – Conventional: 5.25%
10 Year Fixed Rate – Conventional: 4.99%

Call Leslie or Madison today at 816-279-5656
to help you with your mortgage loan!
Share Secure Rate is 2% above share or certificate rate.
New RV/Camper, Boat/Trailer and Motorcycle (2024 - 2020) As low as 6.24%*
Used RV/Camper, Boat/Trailer and Motorcycle (2019 - 2005) As low as 7.25%*
Unsecured Line of Credit As low as 10.25%*
Signature Loan As low as 9.75%*
Visa Credit Card As low as 11.75%*

*Rates quoted "As Low As" are determined by underwriting guidelines including member's credit bureau score and term of loan. Contact a Consumer Loan Officer for more information.


Money Market Accounts

Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
$ 1,000 - $24,999.99 1.00% 1.00%
$25,000 - $49,999.99 1.49% 1.50%
$50,000 - $99,999.99 1.74% 1.75%
$100,000 or more 1.98% 2.00%

Savings, Holiday & Vacation Accounts

Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
$1.00 - $24.99 n/a n/a
$25.00 or more 0.15% 0.15%

Checking Accounts

Type Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
Premier $500.00 or more 0.10% 0.10%
Premier $0.00 - $499.99 n/a n/a
Basic n/a n/a n/a

Share Certificates

Term Regular
Minimum Balance
IRA
Minimum Balance
Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
3 Month $500.00 $500.00 2.96% 3.00%
6 Month $500.00 $500.00 2.96% 3.00%
7 Month $500.00 $500.00 4.89% 5.00%
9 Month $500.00 $500.00 2.96% 3.00%
11 Month $500.00 $500.00 4.17% 4.25%
1 Year $500.00 $500.00 2.96% 3.00%
18 Month $500.00 $500.00 3.44% 3.50%
2 Year $500.00 $500.00 2.96% 3.00%
3 Year $500.00 $500.00 2.96% 3.00%
4 Year $500.00 $500.00 2.96% 3.00%
5 Year $500.00 $500.00 2.96% 3.00%

IRA Savings Accounts

Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
$1.00 - $24.99 n/a n/a
$25.00 or more 0.15% 0.15%

Note: All rates subject to change without notice.

Postal & Community logo

Routing Number: 301281968

Main Office:

3921 Oakland Avenue
St. Joseph, MO 64506
Phone: 816-279-5656
FAX: 816-279-5660
Loan FAX: 816-364-1649


Mailing Address:

P.O. Box 8035
St. Joseph, MO 64508

Card Loss, Theft, or Fraud?



© 2024 Postal & Community Credit Union - Email Us