Loans & Credit Cards

Home Loans, Auto Loans and even unsecured loans, We've Got Money To Loan!!! Check us out - other financial institutions may be holding onto their money, but not us!

APPLYING FOR A LOAN?  click here

Home Loans - A home is a valuable financial resource. Whether you are a current homeowner or are soon to be one, make sure you check out the Home Mortgage Loan options through Joplin Metro.

Our knowledgeable and helpful Mortgage Loan Officers can help you select from a variety of loan options that best fit your borrowing needs.

Here are a few of JMCU's Mortgage Loan Program options:

  • Conventional Mortgages
  • FHA
  • VA
  • Investment Property Loans
  • Second Mortgages

Home Equity Loans - Let your home’s value go to work for you with a  Home Equity Line of Credit (HELOC).   Use the money to consolidate debts, finance a vehicle, remodel your home or take that vacation you’ve always dreamed of.  You may even be able to deduct the interest on your taxes.**

  • Experienced lending personnel
  • Competitive, low rates
  • Financing available for 80% or 90% of the equity in your home
  • Adjustable and fixed rate options available
  • Repayment schedule is based on amount financed with terms up to 15 years
  • Payment options available

**Consult your tax advisor for verification.
**Adjustable rates are based on the 6 month Treasury Bill rate and will adjust quarterly.

Auto Loans -Let us put you behind the wheel of your new vehicle.  Great low rates, terms to fit your budget and convenient payment options are just a few of the benefits you’ll receive by financing with Joplin Metro Credit Union.

  • Experienced lending personnel
  • Competitive, low rates
  • No hidden fees or prepayment penalties
  • Pre-approval & same day approval
  • 72 month financing available with approved credit
  • Various payment options available
  • Additional coverage’s available

Visa Cards - We offer a variety of Visa cards which are great for students because parents can set limits as low as $250.00 and our cards have a truly fixed rate! This is a terrific way for students to build credit history and for parents to have peace of mind. Check with either office for more information.

Bills have a way of piling up - but our balance transfer program can help. Stop paying high interest rates! We offer balance transfer with no cash advance fees and a low fixed rate.  Move your other credit card balances to your JMCU card today.

Visa Platinum - 10.9% APR                                           Credit limit up to $15,000*
(* certain restrictions do apply)

Preferred Member - 11.5% APR                                   Credit limit up to $8,000* (*certain restrictions do apply)

Classic - 12.9% APR                                                      Credit limit up to $5,000* (*certain restrictions do apply)

Share Secured - 15.9% APR                                         Credit limit up to $1,000* (*certain restrictions do apply)

*Credit limit is based on credit approval    Fixed Rate          25 days grace period         No balance transfer fee      
                                                                            No transaction fee for cash advances

You can also have your credit card payments automatically deducted from your savings or checking account each month!  ACH Autopay - talk to a Member Service Representative today!

Unsecured Loans - This type of loan is based solely on the character and ability of the member to repay the loan without collateral.

Credit Disability - To help protect your family from unexpected tragedy, JMCU offers optional low-cost credit disability insurances for most credit union loans.

Credit Life - Enjoy extra peace of mind at all affordable group rates with our credit life insurance option.

GAP Insurance - GAP is the difference between the principle balance on your auto loan or payoff amount and the actual cash value of your vehicle. GAP is available for a nominal cost.

Extended Warranties - We offer comprehensive and flexible warranty programs. For more information please contact the credit union.