Rates

UCCU has the rates you'll love on the loans you want.

Featured Rates
Featured Rates
Effective Date:  June 1, 2024
Loan Type Rate Term
New Auto Loan 5.99% APR* up to 60 months
Used Auto Loan 5.99% APR* up to 60 months
Home Equity 6.50% APR* up to 60 months

*Annual Percentage Rate


Savings
Savings
Effective Date: June 1, 2024
Account Rate APY*
Share (Savings) 0.05% 0.05%
High Yield (Savings) 0.15% 0.15%
I.R.A. Share Account 0.25% 0.25%
*A.P.Y. (Annual Percentage Yield)
Dividends are paid monthly and based on average daily balance.
IRA dividends paid quarterly. $100.00 minimum balance required to obtain dividends on regular share account.
*Maintenance and Activity fees may reduce earnings on account.

Certificates
Certificates
Effective Date: June 1, 2024
Certificate Rate APY*
6 month 3.50% 3.56%
1 year 4.00% 4.08%
2 year 3.25% 3.30%
3 year 3.25% 3.30%
4 year 3.00% 3.04%
5 year 2.50% 2.53%
Jumbo Certificates ($25,000 min.)
6 month 3.75% 3.81%
1 year 4.25% 4.33%
2 year 3.50% 3.56%
3 year 3.50% 3.56%
4 year 3.25% 3.30%
5 year 2.75% 2.79%
I.R.A Certificates ($250 min.)
1 year 3.00% 3.04%
2 year 3.50% 3.56%
3 year 3.50% 3.56%
4 year 3.50% 3.56%
5 year 3.50% 3.56%
*A.P.Y. (Annual Percentage Yield)
Dividends are paid monthly and based on the average daily balance.
Early withdrawal penalties apply
Youth Certificates ($200 min. $1000 max)
6 month 3.75% 3.75% at maturity
1 year 4.00% 4.00% at maturity
2 year 3.50% 3.50% at maturity

Auto Loans
Auto Loans
Effective Date: June 1, 2024
Model Year APR* Term Down Payment
New 2023-2024 5.74%** 12 to 60 months 0
New 2023-2024 6.24%** 72 to 84 months 0
2019-2022 5.74%** 12 to 60 months 0
2019-2022 6.24%** 72 to 84 months 0
2013- 2018 6.50%** 12 to 72 months 0
*Annual Percentage Rate
** with auto pay from your UCCU saving or checking account
All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.

Other Vehicles
Other Vehicles
Effective Date: May 1, 2024
Loan Type APR* Term Down Payment
New or Used Motorcycles 5.44** up to 60 months 15%
Antique, Classic and Exotic Vehicles 9.50** 12-120 months 10%
Boats 5.44** 12-60 months 10%
5.99** 72-120 months 10%
Campers and Motor Homes 5.44** 12-84 months 15%
Personal Recreation Vehicles 5.44** 12-48 months 20%
*Annual Percentage Rate
** with auto pay from your UCCU saving or checking account
All loans are subject to credit approval. Rates based on creditworthiness, term of loan and age of vehicle.

Personal Loan and Credit Card
Personal Loan and Credit Card
Effective Date: June 1, 2024
Loan Type APR* Term
Revolving Credit up to $5000.00 max. 11.99% up to 42 months
Personal Loan (Unsecured) 9,99% 12 to 24 months
11.99% 36 to 48 months
Savings Secured Loans (12-60 months) - ask for current rates
Visa Credit Card as low as 10.90% maximum limit $8,000
Personal Loan (Secured) 6.50% 12 months
7.00% 24 months
7.50% 36 months
7.99% 48 months
Payday Bridge** 18.000% 30 days
Credit Builder 18.000% 12 months
*Annual Percentage Rate
All loans are subject to credit approval. Rates based on creditworthiness.
**$50 annual fee

Home Loans
Home Loans
Effective Date:  June 1, 2024
Loan Type Term Rate APR*
Home Improvement Loans 12-36 months 7.49** 7.49%
48-60 months 9.50** 9.50%
72-120 months 10.50** 10.50%
Home Equity (Open Line of Credit)* Variable 9.00% 9.00%
Home Equity (Closed End Loan) 12-60 months fixed 6.50% 6.50%
Home Equity 72 months fixed 6.75% 6.75%
Home Equity 84-120 months fixed 7.00% 7.00%
*Annual Percentage Rate. Your annual percentage rate may vary monthly.
The rate will be equal to the "Prime Rate" as quoted in The Wall Street Journal at the beginning of each month + .25%.
All loans are subject to credit approval. Rates based on creditworthiness.
The maximum rate that may be imposed is 18.00%.
**with autopay from your UCCU saving or checking account.

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