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Current Rates

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

All rates are effective as of September 1, 2017

Savings & Checking Accounts

Rates are subject to change without notice.

Share Certificates

Rates are subject to change without notice.

Consumer Loans

  • Credit Cards
  • Vehicle Loans
  • Personal 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 & Recreational Loans

Loan TypeAPR as low as*TermMin. Loan Amount
New & Used Vehicles1.99%0-35 months$1,000
2.29%36-59 months$3,000
2.99%60-83 months$7,500
3.99%84-120 months$20,000
Program Details: Interest rates above apply to loans secured by non-commercial passenger vehicles both NEW and USED up to 10 model years old. Includes Autos, Motorcycles, Light Duty Trucks, Motor Homes, Snowmobiles, Boats, Personal Watercrafts, ATVs, Campers, 5th Wheels, Travel Trailers, and includes Other Chattel. Collateral secured by title when available or UCC if loan >$2,500. *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 Consumer Loan Originator for more information.

Home Equity Loans

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

Product Details80% CLTV*90% CLTV*
Current Rate4.25%5.75%
IndexPrime RatePrime Rate
Margin+0.00%+1.50%
RepaymentInterest OnlyInterest Only
Adjustment CycleMonthlyMonthly
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 06/15/2017 WSJ Prime Rate was 4.25% 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

Product Details80% CLTV*90% CLTV*
Current Rate4.25%5.75%
IndexPrime RatePrime Rate
Margin+0.00%+1.50%
Repayment2% of the UPB**2% of the UPB**
Adjustment CycleMonthlyMonthly
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 06/15/2017 WSJ Prime Rate was 4.25% 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.

Personal Loan Rates

Loan TypeAPR as low as*Min Loan AmountMax Loan Amount
Personal Loans7.99%$500$25,000
Program Details: Interest rates above apply to unsecured loans for personal purposes such as debt consolidation, home improvements, vacation and energy assistance. Loans for <$7,500 have a maximum term of 48 months. Loans for >= $7,500 have a maximum term of 60 months. *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 Consumer Loan Originator for more information.

Other Consumer Loans

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 Consumer Loan Originator or Mortgage Loan Originator 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.