Central Missouri Community Credit Union Info + Reviews
Central Missouri Community Credit Union will be the non-profit financial institution we’ll be focused on in this article. I’ll be going over important info like their products, rates, member eligibility and more.
By the time you’re finished reading, it should give you useful information to make an educated decision about working with them.
At the end, you can also add in your own personal review of this CU if you have experience with them.
If you currently work there and want to be notified when reviews come in, please email [email protected] and request to be on the email list. Please say the specific name of your credit union “Central Missouri Community Credit Union” in the subject line.
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*Routing #: 301282064
*Phone #’s:
Warrensburg (660) 747-3311
Sedalia (660) 826-6922
Richmond (816) 776-5593
*Locations:
Warrensburg
620 N. Maguire
Warrensburg, MO 64093
Lobby:
Monday-Friday: 9 a.m. – 4 p.m.
Saturday: 9 a.m. – noon
Central Missouri Community Credit Union Sedalia
3120 W. 10th St.
Sedalia, MO 65301
Lobby:
Monday-Friday: 9 a.m. – 4 p.m.
Richmond
920 Stonner Loop
Richmond, MO 64085
Lobby:
Monday-Friday: 9 a.m. – 4 p.m.
A Little History on Central Missouri Community Credit Union
CMCCU has been around since 1961. They were originally started for people in the education community, but, now their field of membership is a lot wider. Today, they have assets of nearly $130 million according to their NCUA profile.
You can access cash from Central Missouri Community Credit Union at over 30,000 ATMs nationwide because of their involvement in the CO-OP network.
Do They Give Back at All?
It looks like they do give back, however, there isn’t anything that I could find that was written. There’s a page here with a handful of pictures of people from Central Missouri Community Credit Union helping out in the community.
Although, in some of the pictures it also looks like they’re just doing fun stuff like bowling. There is a donation request form here that mentions that they support a lot of communities where their members live.
Membership Requirements
If you want to become a member at Central Missouri Community Credit Union, you’ll need to meet some requirements. They serve anyone working or residing in Johnson, Pettis, Ray, Carroll, Lafayette, and Henry counties, the city of Excelsior Springs; and their families.
There are also a handful of other counties and ways to get in for all ages that you can check out here on their site.
Their Products at Central Missouri Community Credit Union
They have a pretty decent selection of products at CMCCU. There are the usual ones you’d find at a bank or credit union like checking accounts, savings, and loan products.
It does look like they are missing a few here and there though. There’s no Health Savings Accounts or Business savings accounts, I usually see those at most credit unions out there.
They do have a variety of different personal savings accounts and investments, though. There’s the Savings Share Account, the Vacation Account, the Christmas Club Account, the Kirby Kangaroo Club Account, the Individual Retirement Account, and Share Certificates. You can find something for all ages!
Loan products include personal loans, home equity lines of credit, new/used autos, recreational vehicles, furniture, and appliance loans.
One interesting additional service that they offer is something called “Mechanical Breadown Protection” for your car. Basically, it’s an extended warranty for your car (mechanical or electrical failures) and other perks like 24-hour emergency roadside assistance. I think that’s pretty neat.
Rates at Central Missouri Community Credit Union
(all rates current at the time of publishing this, however, they are subject to change without notice)
Loan Rates
Rates effective as of 10/15/2021
| Loan Account Type | Allowable Term** | as low as APR** |
|---|---|---|
| Shares Secured | 66 months | 2.00% |
| New Autos 100% Financed | 84 months | 3.00% |
| Used Autos, 2021-2018 | 84 months | 3.75% |
| Used Autos, 2017-2014 | 72 months | 4.75% |
| Used Autos, 2013-2006 | 42 months | 7.75% |
| Used Autos, 2005-1987 | 30 months | 11.25% |
| Vintage Auto’s 1996 & older (see note below *) | 66 months | 5.00% |
| Other Secured Mowers, Furnaces, Lawn Tractors, Trailers | 42 months | 7.50% |
| Other Secured Furniture | 42 months | 7.50% |
| Second Chance ($500 max) | 12 months max | 18.00% NO DISCOUNTS |
| Overdraft Protection $0 to $500 (Payment $30) | $30 payment | 13.00% |
| Overdraft Protection $0 to $1,000 (Payment $50.00) | $50 payment | 13.00% |
| Unsecured, $500 to $1,000 | 18 months | 9.00% |
| Unsecured, $1,001 to $3,000 | 24 months | 9.00% |
| Unsecured, $3,001 to $6,000 | 30 months | 9.00% |
| Unsecured, $6,001 to $10,000 | 36 months | 11.50% |
| Unsecured, $10,001 to $20,000 | 42 months | 11.50% |
| Term Signature (max $7,500) | 6 months | 12.00% |
| VISA Classic ($500 to $4,500) | 15.99% | |
| VISA Platinum (Min $5,000-Max $20,000) | 8.70% | |
| New Motorcycles, ATV’s, Snowmobiles, Personal Watercraft (100% Financed of purchase price) | 66 months | 3.75% |
| 2021-2014 Used Motorcycles, ATV’s Snowmobiles, Personal Watercraft | 60 months | 4.75% |
| New RVs and Campers (100% Financed of purchase price) | 78 months | 4.25% |
| —– loan amount over $20,000 | 126 months | 4.25% |
| 2021-2014 Used RVs and Campers (NADA WV or 85% Financed of purchase price) | 78 months | 5.50% |
| —– loan amount over $20,000 | 126 months | 5.50% |
| New Boats (100% Financed of purchase price) | 78 months | 4.25% |
| 2021-2011 Used Boats (NADA WV or 85% of purchase price) | 66 months | 5.25% |
Mortgage Secured Loans
| Loan Account Type | Details |
|---|---|
| 1st Mortgage (Purchase – Non-Purchase) | Fixed Rate$400,000 Maximum5-10-15-20 YearsFind current rates |
| HELOC (Home Equity Line of Credit) | $200,000 Maximum15 Years Maximum TermVariable Rate(Re-price June 1 Annually)RE = Variable Rate Re-price June & Dec |
Share Certificates Rates
Rates effective as of 10/15/2021
| Account Type | Term | Minimum Deposit | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Short Term and IRA Short Term Certificates | 3 Months (90 days) | $1,000.00 | 0.05% | 0.05% |
| Short Term and IRA Short Term Certificates | 6 Months (182 days) | $1,000.00 | 0.10% | 0.10% |
| Short Term and IRA Short Term Certificates | 12 Months (365 days) | $1,000.00 | 0.15% | 0.15% |
| Long Term and IRA Long Term Certificates | 18 Months (547 days) | $500.00 | 0.20% | 0.20% |
| Long Term and IRA Long Term Certificates | 24 Months (730 days) | $500.00 | 0.25% | 0.25% |
| Long Term and IRA Long Term Certificates | 30 Months (912 days) | $500.00 | 0.30% | 0.30% |
| Long Term and IRA Long Term Certificates | 36 Months (1095 days) | $500.00 | 0.35% | 0.35% |
| Long Term and IRA Long Term Certificates | 48 Months (1465 days) | $500.00 | 0.40% | 0.40% |
| Long Term and IRA Long Term Certificates | 60 Months (1825 days) | $500.00 | 0.45% | 0.45% |
Amount of Penalty:
For certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. For terms of up to 12 months, the penalty is 31 days’ dividends. For terms of 18 months and over, the penalty is 90 days’ dividends. Details and exceptions to early withdrawal penalties are available in the Rate & Fee Schedule Brochure for Share Certificate Accounts, available at your local CMCCU branch.
*The interest rates and annual percentage yield may change every calendar month based on the determination of the Board of Directors*
Share Savings Rates at Central Missouri Community Credit Union
Rates effective as of 10/15/2021
| Account Type | Dividend Rate / Annual Percentage Yield |
|---|---|
| IRA Share Account | 0.03% / 0.03% |
| Kirby Kangaroo | 0.03% / 0.03% |
| Organization Business | 0.03% / 0.03% |
| Regular Share Account | 0.03% / 0.03% |
| Trust Share Account | 0.03% / 0.03% |
| Vacation Account | 0.03% / 0.03% |
| Christmas Club | 0.10% / 0.10% |
*The interest rates and annual percentage yield may change every calendar month based on the determination of the Board of Directors*
Money Market Rates
Rates effective as of 10/15/2021
| Tier | Rate | APY | Amount |
|---|---|---|---|
| 1st Tier | 0.05% | 0.05% | $0.00 to $2,500.00 |
| 2nd Tier | 0.05% | 0.05% | $2,500.01 to $10,000.00 |
| 3rd Tier | 0.05% | 0.05% | $10,000.01 to $25,000.00 |
| 4th Tier | 0.07% | 0.07% | $25,000.01 to $50,000.00 |
| 5th Tier | 0.07% | 0.07% | $50,000.01 and up |
*The interest rates and annual percentage yield may change every calendar month based on the determination of the Board of Directors*
Central Missouri Community Credit Union – Final Thoughts
CMCCU is a good looking small to mid-size Missouri credit union. There are probably better credit unions to look for when it comes to business products or if you need an HSA. That being said, they are competitive in terms of all of their other personal products and rates.
They even have some unique products like the extended car warranties and others that set them apart from other CUs. It also looks like they give back in ways like donations and volunteering at food shelves (based on the pictures).
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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
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