Best mortgage rates in Missouri this week
Current posted rates from credit unions Missouri residents can join, with APR, points, and eligibility shown. Borrower comparisons will appear as quotes are contributed.
Data as of 6d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Sundays).
30-yr rates in Missouri over time
best available ▲ 0.75 since Aug 10Credit union posted rates Missouri residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
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Enter the rate a lender quoted you. We'll show it against what Missouri lenders are posting this week to someone who could actually join them.
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Payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $190,000 loan · held 5 yrs| Credit union | Rate | This week | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|---|
| Navy Federal Credit Unionjoin → | 7.000% | ▼ 0.75 | 0.88 | Conventional · 30-yr | $77,516 | best |
| ALLIANCE Credit Union | 7.250% | ▲ 0.5 | 0 | Conventional · 30-yr | $77,768 | +$252 |
| PenFed Credit Unionjoin → | 7.000% | flat | 1.13 | Conventional · 30-yr | $77,991 | +$475 |
| Connexus Credit Unionjoin → | 7.125% | ▼ 0.125 | 1 | Conventional · 30-yr | $78,704 | +$1,187 |
| TOGETHER Credit Unionjoin → | 7.500% | flat | 0 | Conventional · 30-yr | $79,710 | +$2,194 |
| Digital Federal CU (DCU)join → | 7.625% | ▼ 0.25 | 0 | Conventional · 30-yr | $80,688 | +$3,172 |
Conventional
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.000% | ▼ 0.75 | 7.189% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.000% | flat | 7.192% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
| 7.125% | ▼ 0.125 | 7.289% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 7.250% | ▲ 0.5 | 7.347% | 30y | 0 | ALLIANCE Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 7.500% | flat | 7.626% | 30y | 0 | TOGETHER Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 7.625% | ▼ 0.25 | 7.748% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 6.375% | flat | 6.635% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 6.375% | ▲ 0.125 | 6.614% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 6.500% | ▲ 0.25 | 6.652% | 15y | 0 | ALLIANCE Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 6.875% | flat | 7.232% | 15y | 0 | TOGETHER Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 7.000% | flat | 7.193% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 6.250% | ▲ 0.25 | 6.463% | 10y | 0 | ALLIANCE Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 6.875% | ▼ 0.25 | 7.087% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 6d ago |
| 7.000% | flat | 7.270% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.000% | ▲ 0.5 | 7.124% | 20y | 0 | ALLIANCE Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 7.500% | ▼ 0.125 | 7.658% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
FHA · 1 rate
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.500% | flat | 7.441% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
VA · 3 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.625% | ▼ 1 | 7.098% | 30y | 0.75 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 6.625% | flat | 6.917% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
| 6.250% | ▲ 0.125 | 6.961% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
Jumbo · 9 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.125% | ▲ 0.125 | 7.255% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 6d ago |
| 7.250% | ▼ 0.875 | 7.441% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.500% | ▼ 0.125 | 7.512% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.500% | flat | 7.626% | 30y | 0 | TOGETHER Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 6.875% | flat | 7.232% | 15y | 0 | TOGETHER Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 6d ago |
| 6.875% | ▲ 0.125 | 7.118% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 6d ago |
| 7.000% | flat | 7.019% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.000% | flat | 7.027% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
| 7.375% | ▼ 0.125 | 7.391% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 6d ago |
What would you pay at Missouri’s best rate?
At 7.000% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
What to know about getting a mortgage in Missouri
Missouri’s prices sit well below national medians, but hail-belt insurance premiums run high — around $2,500/year on a typical home, rivaling the property-tax bill. St. Louis and Kansas City both have deep community-bank and credit-union markets worth quoting alongside the national lenders.
The 2026 conforming loan limit in most Missouri counties is $832,750 for a single-family home (designated high-cost counties go higher). Loans above that are jumbo — expect tighter underwriting and different pricing.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
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Frequently asked: mortgages in Missouri
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Missouri right now?+
The lowest conventional 30-year rate we're tracking in Missouri this week that anyone can join is 7.000% from PenFed Credit Union, 0.40% below the U.S. average of 7.400%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type. Credit unions with restricted membership (military or employer-based) sometimes post lower; those are listed below with their eligibility.
How much do you need to put down for a house in Missouri?+
The median home price in Missouri is about $240,000, so 20% down is roughly $48,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can Missouri residents join for a mortgage?+
Missouri residents can currently get posted mortgage rates from Navy Federal Credit Union, ALLIANCE Credit Union, PenFed Credit Union, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does Missouri have?+
Missouri's housing finance agency is the Missouri Housing Development Commission. First Place loans offer below-market rates with a 4% cash-assistance option for down payment and closing costs. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in Missouri?+
For most Missouri counties the 2026 conforming loan limit is $832,750 for a single-family home (designated high-cost counties go higher). Loans above the limit are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in Missouri?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real Missouri residents, and credit-union rates are copied straight from each lender's public rate sheet.
Housing conditions + mortgage cost, in one view
Monthly asking-price, inventory and market-time data paired with the latest mortgage benchmark and fresh lender pricing available to Missouri borrowers.
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