Loans Archives - Joplin Metro Credit Union Always Looking Out For The Little Guy! Mon, 02 Feb 2026 18:04:46 +0000 en hourly 1 https://joplinmcu.com/wp-content/uploads/cropped-jmcu-logo-512-32x32.png Loans Archives - Joplin Metro Credit Union 32 32 Share Secured Loan https://joplinmcu.com/products/loans/share-secured-loan/ Wed, 16 Oct 2019 18:21:02 +0000 https://joplinmcu.com/?p=33254 The post Share Secured Loan appeared first on Joplin Metro Credit Union.

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Share Secured Loan

3.50% APR for 60 months
Apply Today!

This loan, which can be used for any purpose, is secured by the available funds in your regular savings account. Your secured funds will still earn dividends.

A share-secured loan allows you to receive a significantly reduced loan rate in return for pledging your credit union shares as collateral against the loan. In order to be classified as a “share-secured” loan, 100% of the loan balance must be covered by your savings. For example, if you borrow $5,000.00 – you need to pledge $5,000.00 from your savings account. Your pledge amount automatically reduces with your loan balance.

Some restrictions apply*

 

How long until my loan is paid off?
What is the balance on my loan?
Should I consolidate my personal debt into a new loan?
Restructuring debts for accelerated payoff
Should I pay off debt or invest?
Should I transfer my credit card balances?

The interest rates, annual percentage rates (APRs), shown are subject to change without notice. *APR=Annual Percentage Rate (excludes loan fees). Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit approval.

Debt Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Talk with your loan officer to sign up today!

The post Share Secured Loan appeared first on Joplin Metro Credit Union.

]]> Insurance https://joplinmcu.com/products/loans/insurance/ Wed, 27 Sep 2017 16:19:19 +0000 https://www.joplinmcu.com/?p=31836 The post Insurance appeared first on Joplin Metro Credit Union.

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Be sure to ask your Loan Officer how these products can benefit you!

Insurance | GAP | Warranty

Debt Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Talk with your loan officer to sign up today!

GAP  (Guaranteed Auto Protection) Insurance

GAP insurance covers the difference between the loan balance and the estimated value of the vehicle determined by the member’s insurance company in case of a total loss. Included in the GAP insurance is GAP Assurance Plus which covers your deductible up to $500.00 if you have an accident within the first two years of the loan.

Extended Warranties

Extended warranties on new and used autos and motorcycles can be purchased. Route 66 Extended Warranty Company has different coverage options to choose from. Warranties can be financed with your loan or purchased directly through the credit union.

Joplin Metro Credit Union Members Could Save Hundreds on Car Insurance *

If you haven't gotten a car insurance quote lately, your credit union membership could help you save hundreds of dollars.

Joplin Metro Credit Union members may qualify for discounts on car insurance through the TruStage Auto Insurance Program. You could save big, and it can be easy to switch carriers—without losing any money

TruStage offers a powerful mix of savings and popular, member-friendly benefits:

  • Credit union member discounts
  • Nationally recognized companies
  • 24 hour claims assistance online or over the phone.
  • Discounts for multiple vehicles, safety features, good driving and more
  • Mobile app for easy claims

It can be easy to get a free quote today. Don't wait to see how much you could save.

* Average savings based on countrywide survey of new customers from 8/1/1 to 8/1/17 who reported savings from prior premiums when they switched to Liberty Mutual. Savings comparison does not apply in MA.

GET A QUOTE

Any amount of life insurance can make a difference

Life insurance can help give you peace of mind today and provide money that is generally income-tax free for your family. It can ease the burden of expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.

TruStage helps make it easy to:

Don't wait. Get an instant quote online today. Or, call 1-800-814-2914 and talk to a licensed agent.

COMPARE INSURANCE

A Tradition of Strength

TruStage is underwritten by CMFG Life Insurance Company, which is rated "A" (Excellent) as of February 2017 by A.M. Best, an independent rating service that evaluates financial stability and operating performance. "A" is the third-highest of 16 ratings.

TruStage® Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
© 2019 TruStage Insurance Agency

CDCL, AUT,

GEN-2509568.1-0419-0521

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]]> Boat/Motorcycle/RV https://joplinmcu.com/products/loans/boatrv-loans/ Wed, 27 Sep 2017 16:13:12 +0000 https://www.joplinmcu.com/?p=31832 The post Boat/Motorcycle/RV appeared first on Joplin Metro Credit Union.

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Boat Loans

Motorcycle Loans

RV Loans

We’re known for our auto loans, but we can help you purchase more than just cars and trucks. Come see us when you want to finance an RV, motorcycle or even a boat. Call Joplin Metro Credit Union to learn more about financing and apply today! Boat and RV loan terms up to 120 months financing. 

The interest rates, annual percentage rates (APRs), shown are subject to change without notice. *APR=Annual Percentage Rate (excludes loan fees). Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit approval.

Debt Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Talk with your loan officer to sign up today!

 

The post Boat/Motorcycle/RV appeared first on Joplin Metro Credit Union.

]]> Storm Shelter Loan https://joplinmcu.com/products/loans/storm-shelter-loan/ Thu, 14 Sep 2017 21:38:42 +0000 https://www.joplinmcu.com/?p=31190 Joplin Metro Credit Union wants you and your family to have a safe and secure place for your family to find shelter. That’s why JMCU offers loans for storm shelters

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Get Ahead of the Storms with a Storm Shelter Loan

4.00% APR*
Apply Today!

Unfortunately, storms are a part of our lives. Visit our loan department and get ahead of the storms. Joplin Metro Credit Union wants you and your family to have a safe and secure place to find shelter. That’s why JMCU offers loans for storm shelters.

The interest rates, annual percentage rates (APRs), shown are subject to change without notice. *APR=Annual Percentage Rate (excludes loan fees). Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit approval.

Debt Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Talk with your loan officer to sign up today!

The post Storm Shelter Loan appeared first on Joplin Metro Credit Union.

]]> Signature Loan https://joplinmcu.com/products/loans/sign-loan/ Tue, 05 Sep 2017 21:23:17 +0000 https://www.joplinmcu.com/?p=30538 $250-$5,000 Available

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Signature Loan

Rates As Low As 10.99% APR*
Apply Today!

$250-$20,000* Available

A personal loan, sometimes also referred to as a Signature Loan, is an unsecured loan that can be used for many purposes.

Members typically use a Signature Loan for purposes such as:

  • Debt Consolidation
  • Major Purchases
  • Vacations, Holidays
  • Unexpected expenses

Personal loans may be taken out individually or with a co-signer or co-borrower. Terms available up to 60 months. Rates and terms vary. Contact a Loan Officer for details.

Some restrictions apply*

 

How long until my loan is paid off?
What is the balance on my loan?
Should I consolidate my personal debt into a new loan?
Restructuring debts for accelerated payoff
Should I pay off debt or invest?
Should I transfer my credit card balances?

The interest rates, annual percentage rates (APRs), shown are subject to change without notice. *APR=Annual Percentage Rate (excludes loan fees). Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit approval.

Debt Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Talk with your loan officer to sign up today!

 

The post Signature Loan appeared first on Joplin Metro Credit Union.

]]> Home Equity Loan https://joplinmcu.com/products/loans/home-equity-loan/ Tue, 05 Sep 2017 21:22:07 +0000 https://www.joplinmcu.com/?p=30536 Let your home’s value go to work for you with a Home Equity Line of Credit (HELOC).

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Home Equity Loan

Let your home’s value go to work for you
Apply Today!

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 for up to 80% of the available 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.
**Rates are based on the Prime Rate, +1 or 2% and subject to change quarterly.

Debt Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Talk with your loan officer to sign up today!

The post Home Equity Loan appeared first on Joplin Metro Credit Union.

]]> Home Loans https://joplinmcu.com/products/loans/home-loans/ Tue, 05 Sep 2017 21:21:31 +0000 https://www.joplinmcu.com/?p=30534 Our knowledgeable and helpful Mortgage Loan Officers can help you select from a variety of loan options that best fit your borrowing needs.

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Home Loans

Conventional | FHA | VA | Investment

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

The post Home Loans appeared first on Joplin Metro Credit Union.

]]> Auto Loan https://joplinmcu.com/products/loans/auto-loan/ Tue, 05 Sep 2017 21:20:46 +0000 https://www.joplinmcu.com/?p=30532 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.

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Auto Loans

New Auto Loan Rates as low as 4.39% APR*
Apply Today!

 

New, Used and Classic 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 and 84 month financing available with approved credit
  • Various payment options available
  • Additional coverage’s available
  • Always check our Facebook page for promotional rates

Should I lease or purchase an auto?
Should I upgrade to a more fuel efficient vehicle?
How much vehicle can I afford?
Should I refinance my auto loan at a lower rate?
How much can I lower my monthly payment with a new auto loan?

The interest rates, annual percentage rates (APRs), shown are subject to change without notice. *APR=Annual Percentage Rate (excludes loan fees). Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit approval.

Debt Protection

Protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Talk with your loan officer to sign up today!

GAP  (Guaranteed Auto Protection) Insurance

GAP insurance covers the difference between the loan balance and the estimated value of the vehicle determined by the member’s insurance company in case of a total loss. Included in the GAP insurance is GAP Assurance Plus which covers your deductible up to $500.00 if you have an accident within the first two years of the loan.

Extended Warranties

Extended warranties on new and used autos and motorcycles can be purchased. Route 66 Extended Warranty Company has different coverage options to choose from. Warranties can be financed with your loan or purchased directly through the credit union.

The post Auto Loan appeared first on Joplin Metro Credit Union.

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