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Mortgage Rates

FHA 30 Yr. Fixed Points Payment
3.750% 4.547% APR* 0.500pts $754
VA 30 Yr. Fixed  
3.875% 4.057% APR* 0.125 pts $762
Conventional 30 Yr. Fixed  
4.125% 4.247% APR* 0.625 pts $775
Conventional 15 Yr. Fixed  
3.500% 3.639% APR * 0.125 pts $1,144
       
*APR  = Annual Percentage Rate - this is the cost of credit over the term as the loan expressed as an annual rate. The APR shown here is based on the interest rates and points, it does not include other loan specific finance charges that you may be charged.
*All stated rates are effective as of  7/19/2017 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors.  30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans.  15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock. Rates may acutally be different from this page, and rates may change at anytime and without notice on this page.  NMLS#402641.  NMLS Consumer Access Site

 

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Cardholder Self-Service contacts

  • Online Account Access - www.cardcenterdirect.com
  • Rewards Points Redemption - www.cardcenterdirect.com
  • Customer Service - 1.800.821.5184
Cards issued by UMB Bank, n.a.1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. 3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.