Loan Rates

Loan Rates
October 15, 2026 to November 17, 2026
Auto/Truck
Term APR monthly/per thousand pay period per thousand
2026/2027 72 months* 5.99% 16.58 7.66
60 months 5.25% 18.99 8.78
48 months 5.05% 23.06 10.65
2025 60 months 6.29% 19.47 9.00
2024 48 months 6.59% 23.76 10.99
2023 42 months 6.59% 26.76 10.99
2022 36 months 7.29% 31.02 14.34
2021 36 months 7.29% 31.02 14.34
2020 36 months 7.29% 31.02 14.34
2019-2009 24 months 7.59% 45.05 20.83
         

***Boat/Camper/Motorcycle/Tractor loan rates = to 1% above applicable rates

RV rates available upon request

Mortgage Refinance/Purchase
Term APR monthly per thousand pay period per thousand
1st mortgage 15 year
20% down		 6.00% 8.45* 3.90*
1st mortgage 15 year
10% down		 6.125% 8.51* 3.93*
1st mortgage 10 year
20% down		 5.375% 10.80* 4.99*
1st mortgage 5 year
20% down		 5.125% 18.94* 8.75*


APR = Annual Percentage Rate
Current rates are subject to change without notice.
10% down option is only available to first time home buyers.
30-year mortgages are not available at this time, if you are building a new home please give us a call to discuss more details.
* payment amount includes principal and interest only, taxes and insurance not escrowed

**HOME EQUITY LOANS
CALL FOR MORE DETAILS
Terms available up to 10 years, Current rates available upon request.

 

Please note: Rates are subject to change. Contact the credit union for the most current rates.

Hours

Monday — Friday
8:00 AM — 5:00 PM

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MyCreditUnion

Credit unions are not-for-profit, member-owned financial institutions with a wide variety of services available to people from all walks of life.

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NCUA

Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government.

Get in Touch

Phone:
(913)831-4555

Fax:
(913)831-0495

Address:
PO Box 498
Mission, KS 66201

Email:
info@smfederal.org

Lost or Stolen Debit Card: 1-888-263-3370



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