Skip to content

Rates subject to change. Effective as of February 1, 2023

APY = Annual Percentage Yield

APR = Annual Percentage Rate

 


Accounts

Account Type Balance APY Dividend Rate
Share Savings Account $5 minimum balance for membership 0.05% 0.05%
Special (Secondary) Savings N/A 0.05% 0.05%
Christmas (Holiday) Club N/A 0.05% 0.05%
IRA/Roth Share N/A 0.05% 0.05%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

Money Market Learn More

Balance APY Dividend Rate
$1,000 - $4,999 0.30% 0.30%
$5,000 - $9,999 0.30% 0.30%
$10,000 - $24,999 0.30% 0.30%
$25,000 - $49,999 0.35% 0.35%
$50,000 - $74,999 0.40% 0.40%
$75,000 - $99,999 0.40% 0.40%
$100,000 - $249,000 0.55% 0.55%
$250,000 + 0.55% 0.55%

$1,000 minimum opening deposit. You must maintain a $1,000 aggregate average daily balance in a Money Market account to avoid a monthly service charge. Please review our Rates & Service Charge information for more details.

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

 

IRA/Roth Certificate Learn More

Balance Term APY Dividend Rate
$500 Minimum 1 Year 2.26% 2.25%
$500 Minimum 2 Year 3.28% 3.25%
$500 Minimum 3 Year 3.28% 3.25%
$500 Minimum 4 Year 3.38% 3.35%
$500 Minimum 5 Year 3.43% 3.40%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

A withdraw may reduce earnings. Subject to early withdrawal penalty.

Share Certificates Learn More

Balance Term APY Dividend Rate
$500 Minimum 1 Year 2.26% 2.25%
$500 Minimum 11 mos. Special* 4.50% 4.425%
$500 Minimum 14 mos. Early Withdrawal Special** 3.50% 3.45%
$500 Minimum 18 mos. 3.02% 3.00%
$500 Minimum 2 Year 3.28% 3.25%
$500 Minimum 3 Year 3.28% 3.25%
$500 Minimum 4 Year 3.38% 3.35%
$500 Minimum 5 Year 3.43% 3.40%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

A withdraw may reduce earnings. Subject to early withdrawal penalty.

*APY=Annual Percentage Yield. Subject to change. Subject to early withdrawal penalities. Upon maturity, funds and interest earned will automatically renew to a 12 month term unless otherwise notified. Offer requires 100% of funds as new funds not currently on deposit with Missouri Valley Federal Credit Union, a division of West Community Credit Union. 

**Early withdrawal Certificate. Withdraw all funds in the account any time after the first six days following funding of the account with no early withdrawal penalty. Early withdrawal is not permitted during the first six days after funding. Upon maturity, 14 month certificate special funds and interest earned will automatically renew to an 12 month term unless otherwise notified. Offer requires 100% of funds as new funds not currently on deposit with Missouri Valley Federal Credit Union, a division of West Community Credit Union. 

 

New & Used Vehicles Learn More

New & Used Autos

Model years 2021 to 2024

Model years 2015 to 2020

Model years 2014 or older

36 months APR1 6.49% 6.99% 9.99%
48 months APR1 6.49% 6.99% 9.99%
60 months APR1 6.74% 7.24% 9.99%
72 months APR1 7.49% 7.84% 12.99%
84 months APR1 7.74% 8.24%  - 

1 APR=Annual Percentage Rate (as low as). APRs listed are based on your credit history and other factors and can vary. Rates, terms and conditions may vary based on creditworthiness and qualifications, and are subject to change. 

Recreational Vehicles Learn More

Vehicles   APR As Low As1
New/Used Motorcycles/ATV's   7.24%
New/Used Boats   7.24%
New/Used RVs and Travel Campers   7.94%

1APR=Annual Percentage Rate (as low as). APRs listed are based on your credit history and other factors and can vary. Rates, terms and conditions may vary based on creditworthiness and qualifications, and are subject to change. 

Credit Cards

     
 Please contact the credit union.    

Miscellaneous Unsecured Loans Learn More

Type Term APR
Personal Loan Up to 60 Months 9.99%*
Line of Credit Open ended 12.90%*

*APR=Annual Percentage Rate (as low as). APRs listed are based on your credit history and other factors and can vary. Rates, terms and conditions may vary based on creditworthiness and qualifications, and are subject to change. Unsecured lending limits apply. 

 

 

Military Annual Percentage Rate.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%.This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for a credit card account); and any participation fee charged (other than certain participation fees for a credit card account).