UCU strives to offer the most competitive rates and terms possible to our members.
All rates are effective as of February 1, 2012
Home Equity Loans & Lines of Credit
RewardU Truth-in-Savings Disclosure
Rates are subject to change without notice.Back to Top
Rates are subject to change without notice.
Apply Today for a UCU Consumer Loan
VEHICLE LOANS Program Details: Interest rates below apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 7 model years old. Includes new & used autos, motorcycles, light duty trucks and motor homes.
Loan Type
APR as low as*
Term
Monthly Payment per $1,000
Min. Loan Amount
New & Used Vehicles
2.49%
12 months
$84.46
$1,000
2.99%
24 months
$42.98
$2,000
3.24%
36 months
$29.19
$3,000
3.49%
48 months
$22.35
$5,000
3.99%
60 months
$18.41
$7,500
4.24%
72 months
$15.75
$12,500
5.49%
84 months
$14.37
$25,000
6.49%
up to 120 months
$11.35
$50,000
Loan-to-Value Maximums: Lesser of 110% of NADA Retial Value (if available), MSRP less Manufacturer Rebates or Purchase Price.
OTHER SECURED Program Details: Interest rates below apply to loans secured by non-titled personal recreational collaterals and other chattel. Includes recreational equipment up to 7 model years old (snowmobiles, boats, personal watercrafts, ATVs, campers, 5th wheels, travel trailers). Included titled vehicles 8 to 10 model years old. Includes computer and other chattel.
Loan Type
APR as low as*
Term
Monthly Pymt per $1,000
Min. Loan Amount
Min. Computer Loan Amount
Other Secured
4.49%
12 months
$85.37
$500
$500
4.99%
24 months
$43.87
$2,000
$1,000
5.24%
36 months
$30.08
$3,000
$1,500
5.49%
48 months
$23.25
$5,000
$3,000
5.99%
60 months
$19.33
$7,500
N/A
6.24%
72 months
$16.69
$12,500
N/A
7.49%
84 months
$15.33
$17,500
N/A
8.49%
Up to 144 months
$11.09
$50,000
N/A
Loan-to-Value Maximums: Lesser of 110% of NADA Retial Value (if available), MSRP less Manufacturer Rebates or Purchase Price.
PERSONAL LOAN Program Details: Interest rates below apply to unsecured loans for personal purposes such as debt consolidation, home improvements, vacation and energy assistance.
Loan Type
APR as low as*
Term
Monthly Pymt per $1,000
Min. Loan Amount
Max. Loan Amount
Personal Loans
8.24%
12 months
$87.10
$500
$25,000
9.99%
24 months
$46.14
$1,500
11.74%
36 months
$33.09
$2,000
13.49%
48 months
$27.07
$2,500
14.24%
60 months
$23.39
$5,000
15.24%
72 months
$21.28
$15,000
OTHER CONSUMER LOANS
Loan Type
APR as low as*
Term
Min. Loan Amount
Max. Loan Amount
Linebacker Overdraft Line of Protection
14.90%
n/a
$300
$5,000
Certificate & Shared Secured Loan**
3.00%
Max term of 120 months
n/a
n/a
*Annual Percentage Rate (APR) for the above loans will vary based on borrower's credit worthiness and selected term. Our loans are risk-based priced to determine the interest rate. Please contact a UCU Loan Representative for more information. **Loan rate will be calculated at 3% over the dividend rate earned on secured deposit amount.
HOME EQUITY LOANS & LINES OF CREDIT
UCU offers a variety of Home Equity Programs. From adding a back deck to taking your dream vacation, we have a loan to meet your needs.
Click here for full details of our Home Equity Programs.
UCU offers a variety of mortgage products to meet all your home loan needs.
Copyright © 2006 University Credit Union | Terms and Conditions | Privacy Policy | Orono, Bangor, Farmington, Portland, Presque Isle. 1-800-696-8628
Electronic Services | Loan Solutions | Share Accounts | Member Education/Events | About UCU | Newsroom
Current Rates | Links | NMLS ID # 407658 | Contact Us | Site Map | Home
Website by: PointVision Web Development