Rates
Effective as of May 1, 2024
Savings & Checking Accounts
APY = Annual Percentage Yield
Kasasa Cash Checking
REALLY High Rewards Balance | Minimum Required to Open Account | Dividend Rate | APY |
---|---|---|---|
$0 - $15,000 | $0 | 5.35% | 5.50% |
$15,001 and above | $0 | 0.25% | 5.50% - 0.93% |
All balances if qualifications not met | $0 | 0.05% | 0.05% |
High Rewards Balance | Minimum Required to Open Account | Dividend Rate | APY |
---|---|---|---|
$0 - $15,000 | $0 | 3.93% | 4.01% |
$15,001 and above | $0 | 0.25% | 4.01% - 0.74% |
All balances if qualifications not met | $0 | 0.05% | 0.05% |
Learn more about Kasasa Cash qualifications for High Rewards and REALLY High Rewards.
Kasasa Saver
Account Balance | Dividend Rate | APY |
---|---|---|
$0 - $100,000 | 1.98% | 2.00% |
$100,001 and above | 0.25% | 2.00% - 1.13% |
All balances if qualifications not met | 0.05% | 0.05% |
Learn more about Kasasa Saver and linked Kasasa checking account qualifications.
Money Market
Account Balance | Dividend Rate | APY |
---|---|---|
$0 - $4,999 | 0.05% | 0.05% |
$5,000 and above | 1.49% | 1.50% |
Preferred Money Market, IRA & Coverdell ESA
Account Balance | Dividend Rate | APY |
---|---|---|
$0 - $4,999 | 0.05% | 0.05% |
$5,000 - $24,999 | 1.49% | 1.50% |
$25,000 - $49,999 | 1.74% | 1.75% |
$50,000 - $74,999 | 2.47% | 2.50% |
$75,000 - $99,999 | 2.96% | 3.00% |
$100,000 and above | 3.45% | 3.50% |
Member Share Savings
Account Balance | Minimum Balance | Dividend Rate | APY |
---|---|---|---|
Prime Share / Monty Moose / Teen | $5 | 0.05% | 0.05% |
Prime Share Savings - Joint Membership | $10 | 0.05% | 0.05% |
Health Savings Account & Emergency Savings Account
Account Balance | Dividend Rate | APY |
---|---|---|
Up to $500 | 0.20% | 0.20% |
$501 - $2,500 | 0.25% | 0.25% |
$2,501 - $10,000 | 0.35% | 0.35% |
$10,001 and above | 0.40% | 0.40% |
Share Certificates
Term | Minimum Balance | Dividend Rate | APY |
---|---|---|---|
6 Months | $500 | 4.26% | 4.35% |
12 Months | $500 | 3.92% | 4.00% |
18 Months | $500 | 2.71% | 2.75% |
24 Months | $500 | 2.47% | 2.50% |
36 Months | $500 | 1.29% | 1.30% |
48 Months | $500 | 1.39% | 1.40% |
60 Months | $500 | 1.49% | 1.50% |
Special: 7 Months | $1,500 | 4.40% | 4.50% |
Additional Deposit Accounts
Account | Minimum Balance | Dividend Rate | APY |
---|---|---|---|
Club & Holiday | $0 | 0.25% | 0.25% |
Premier Checking | $10,000 - above | 0.30% | 0.30% |
Super Share | $0 - $1,999 | 0.05% | 0.05% |
Super Share | $2,000 - above | 0.20% | 0.20% |
Rates are subject to change without notice. Fees may reduce earnings.
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
Auto Loans
Loan Type | APR as low as* | Term** | Min. Loan Amount |
---|---|---|---|
New & Used Autos | 5.99% | 6-35 months | $3,000 |
6.49% | 36-59 months | $3,000 | |
6.99% | 60-83 months | $7,500 | |
8.74% | 84-96 months | $30,000 |
Recreational Loans
Loan Type | APR as low as* | Term** | Min. Loan Amount |
---|---|---|---|
New & Used Vehicles | 5.99% | 6-35 months | $3,000 |
6.49% | 36-59 months | $3,000 | |
6.99% | 60-83 months | $7,500 | |
8.74% | 84-120 months | $30,000 |
Home Equity Loans
Product Details | 80% CLTV* | 90% CLTV* |
---|---|---|
Term | 5, 10, 15 Years | 5, 10, 15 Years |
Minimum Loan Amount | $10,000 | $10,000 |
Maximum Loan Amount | $350,000 | $250,000 |
Property Type | Primary Residence | Primary Residence |
Home Equity Lines of Credit - Interest Only
Product Details | 80% CLTV* |
---|---|
Current Rate | 8.50% |
Index | Prime Rate |
Margin | +0.00% |
Repayment | Interest Only |
Adjustment Cycle | Monthly |
Draw Period | First 5 Years |
Minimum Loan Amount | $10,000 |
Maximum Loan Amount | $200,000 |
Property Type | Primary Residence |
Home Equity Lines of Credit - 2% Payment
Product Details | 80% CLTV* |
---|---|
Current Rate | 8.50% |
Index | Prime Rate |
Margin | +0.00% |
Repayment | 2% of the UPB** |
Adjustment Cycle | Monthly |
Draw Period | Life of Loan |
Minimum Loan Amount | $10,000 |
Maximum Loan Amount | $200,000 |
Property Type | Primary Residence |
Personal Loan Rates
Loan Type | APR as low as* | Min Loan Amount | Max Loan Amount |
---|---|---|---|
Personal Loans | 9.99% | $500 | $25,000 |
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 | $100 | $5,000 |
Certificate & Shared Secured Loan** | 3.00% | Max term of 120 months | N/A | N/A |
Credit Builder Loan*** | 17.99% | Min term of 30 days, max term of 24 months | $500 | $2,000 |