Personal Finance Manager

 

Demo | More InformationRegister

Personal Finance Manager

 

Demo | More InformationRegister

Current Rates

UCU strives to offer the most competitive rates and terms possible to our members.

All rates are effective as of April 1, 2014.

Savings Accounts

Rates are subject to change without notice.

Share Certificates

Rates are subject to change without notice.

Consumer Loans
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 the loan to meet your needs.

Click here for full details of our Home Equity Programs.

Mortgages

UCU offers a variety of mortgage products to meet all your home loan needs.

  • 10, 15, 20 & 30 Year Fixed Rate Mortgages
  • 3, 5 & 7 Year Adjustable Rate Mortgages
  • Fixed Rate Mobile Home Loans
  • Land Loans

Vehicle Loans (Last Modified: Aug 26, 2013)

Loan TypeAPR as low as*TermMonthly Payment per $1,000Min. Loan Amount
New & Used Vehicles2.24%12 months$84.35$1,000
2.74%24 months$42.87$2,000
2.99%36 months$29.08$3,000
3.24%48 months$22.24$5,000
3.74%60 months$18.30$7,500
3.99%72 months$15.64$12,500
5.24%84 months$14.25$25,000
6.24%up to 120 months$11.22$50,000

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-to-Value Maximums: Lesser of 110% of NADA Retail Value (if available), MSRP less Manufacturer Rebates or Purchase Price.

Home Equity Loans (Last Modified: Aug 26, 2013)

Product Details80% CLTV*90% CLTV*
Term5,10,15 years5,10,15 years
Minimum Loan Amount$10,000$10,000
Maximum Loan Amount$350,000$250,000
Property TypePrimary ResidencePrimary Residence

NOTE: Rates change daily, please contact a UCU Loan Officer for current rates. *CLTV (Combined-Loan-to-Value) – The aggregate principal balance(s) of all mortgages/liens on a property divided by the value of the property. UCU will determine the method used to assess the property value.

Home Equity Lines of Credit - Interest Only (Last Modified: Aug 26, 2013)

Product Details80% CLTV*90% CLTV*
Current Rate3.25%4.75%
IndexPrime RatePrime Rate
Margin+0.00%+1.50%
RepaymentInterest OnlyInterest Only
Adjustment Cycle MonthlyMonthly
Draw PeriodFirst 5 YearsFirst 5 Years
Minimum Loan Amount$10,000$10,000
Maximum Loan Amount$350,000$250,000
Property TypePrimary ResidencePrimary Residence

NOTE: APR adjusts monthly based on Prime Rate effective on the 25th day of the previous month. Maximum Annual Percentage Rate that can be applied is 18.0%. As of
08/01/2009 WSJ Prime Rate was 3.25% and is subject to change without notice.*CLTV (Combined-Loan-to-Value) – The aggregate principal balance(s) of all mortgages/liens on a property divided by the value of the property. UCU will determine the method used to assess the property value.

Home Equity Lines of Credit - 2% Payment (Last Modified: Aug 26, 2013)

Product Details80% CLTV*90% CLTV*
Current Rate3.25%4.75%
IndexPrime RatePrime Rate
Margin+0.00%+1.50%
Repayment2% of the UPB**2% of the UPB**
Adjustment Cycle MonthlyMonthly
Draw PeriodLife of LoanLife of Loan
Minimum Loan Amount$10,000$10,000
Maximum Loan Amount$350,000$250,000
Property TypePrimary ResidencePrimary Residence

NOTE: APR adjusts monthly based on Prime Rate effective on the 25th day of the previous month. Maximum Annual Percentage Rate that can be applied is 18.0%. As of 08/01/2009 WSJ Prime Rate was 3.25% and is subject to change without notice. *CLTV (Combined-Loan-to-Value) – The aggregate principal balance(s) of all mortgages/liens on a property divided by the value of the property. UCU will determine the method used to assess the property value. **UPB – Unpaid Principal Balance as of the last advance.

Other Secured Loan Rates (Last Modified: Aug 27, 2013)

Loan TypeAPR as low as*TermMonthly Pymt per $1,000Min. Loan AmountMin. Computer Loan Amount
Other Secured4.24%12 months$85.26$500$500
4.74%24 months$43.76$2,000$1,000
4.99%36 months$29.97$3,000$1,500
5.24%48 months$23.14$5,000$3,000
5.74%60 months$19.21$7,500N/A
5.99%72 months$16.57$12,500N/A
7.24%84 months$15.21$17,500N/A
8.24%Up to 144 months$10.96$50,000N/A

OTHER SECURED Program Details: Interest rates below apply to loans secured by non-titled personal recreational collateral and other chattel. Includes recreational equipment up to 7 model years old (snowmobiles, boats, personal watercraft, ATVs, campers, 5th wheels, travel trailers). Included titled vehicles 8 to 10 model years old. Includes computer and other chattel. Loan-to-Value Maximums: Lesser of 110% of NADA Retail Value (if available), MSRP less Manufacturer Rebates or Purchase Price.

Personal Loan Rates (Last Modified: Aug 08, 2013)

Loan TypeAPR as low as*TermMonthly Pymt per $1,000Min Loan AmountMax Loan Amount
Personal Loans6.24%12 months$86.18$500$25,000
7.99%24 months$45.22$1,500$25,000
9.74%36 months$32.15$2,000$25,000
11.49%48 months$26.08$2,500$25,000
12.24%60 months$22.37$5,000$25,000
13.24%72 months$20.20$15,000$25,000

Program Details: Interest rates below apply to unsecured loans for personal purposes such as debt consolidation, home improvements, vacation and energy assistance.

Other Consumer Loans (Last Modified: Aug 08, 2013)

Loan TypeAPR as low as*TermMin Loan AmountMax Loan Amount
Linebacker Overdraft Line of Protection14.90%N/A$300$5,000
Certificate & Shared Secured Loan**3.00%Max term of 120 monthsN/AN/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.

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