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 December 1, 2016.

Savings & Checking 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.

Mortgages

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

  • 10, 15, 20 & 30 Year Fixed Rate Mortgages
  • Fixed Rate Mobile Home Loans
  • Land Loans

Vehicle Loans (up to 80% LTV) (Last Modified: Sep 30, 2015)

Loan TypeAPR as low as*TermMonthly Payment per $1,000Min. Loan Amount
New & Used Vehicles0.99%12 months$83.79$1,000
1.49%24 months$42.32$2,000
1.74%36 months$28.54$3,000
1.99%48 months$21.70$5,000
2.49%60 months$17.75$7,500
2.74%72 months$15.08$12,500
3.99%84 months$13.67$25,000
4.99%up to 120 months$10.61$50,000

Program Details: Interest rates above apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 7 model years old. Includes Autos, Motorcycles, Light Duty Trucks and Motor Homes. Auto loans that fall under the expanded approval program will receive rates from 4.9% to 17.3% depending on the underwriting criteria for the borrower. Does not include refinancing existing UCU loans. Loan-to-Value maximums: 80% of NADA Clean Retail Value (if Available) or MSRP less Manufacturer Rebates. Loan amount not to exceed lesser of value or Purchase Price.

Vehicle Loans (over 80% LTV) (Last Modified: Sep 30, 2015)

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 above apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 7 model years old. Includes Autos, Motorcycles, Light Duty Trucks and Motor Homes. Auto loans that fall under the expanded approval program will receive rates from 4.9% to 17.3%, depending on the underwriting criteria for the borrower. Loan-to-Value Maximums: 110% of NADA Clean Retail Value (if available) or MSRP less Manufacturer Rebates. Loan amount not to exceed lesser of value or purchase price.

Home Equity Loans (Last Modified: Sep 30, 2015)

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: Dec 22, 2015)

Product Details80% CLTV*90% CLTV*
Current Rate3.50%5.00%
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 12/17/2015 WSJ Prime Rate was 3.50% 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: Dec 22, 2015)

Product Details80% CLTV*90% CLTV*
Current Rate3.50%5.00%
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 12/17/2015 WSJ Prime Rate was 3.50% 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: Oct 05, 2016)

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

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 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: Sep 30, 2015)

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: Mar 03, 2016)

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
Credit Builder Loan***15.99%Min term of 30 days, max term of 24 months$500$2,000

*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. ***Minimum monthly payment amount of $50.

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