Rates

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

Featured Rates
Effective Date: Monday, August 20, 2018
Loan Type Rate Term
New Auto Loan 2.74 APR* up to 84 months
Used Auto Loan 3.24 APR* up to 84 months
Home Equity 5.00 APR* 60-72 months

*Annual Percentage Rate


Savings
Effective Date: Monday, August 20, 2018
Account Rate APY*
Share (Savings) 0.025% 0.025%
High Yield (Savings) 0.050% 0.050%
I.R.A. Share Account 0.100% 0.100%
*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
Effective Date: Monday, August 20, 2018
Certificate Rate APY*
6 month 0.025% 0.025%
1 year 0.050% 0.050%
2 year 0.725% 0.725%
3 year 0.775% 0.775%
4 year 1.500% 1.510%
5 year 2.000% 2.020%
Jumbo Certificates ($25,000 min.)
6 month 0.525% 0.525%
1 year 1.000% 1.000%
2 year 1.225% 1.230%
3 year 1.275% 1.280%
4 year 2.000% 2.020%
5 year 2.500% 2.530%
I.R.A Certificates ($250 min.)
1 year .100% .100%
2 year .775% .775%
3 year .825% .825%
4 year 1.500% 1.510%
5 year 2.000% 2.020%
*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 0.075% 0.075% at maturity
1 year .100% .100% at maturity
2 year .775% .775% at maturity

Auto Loans
Effective Date: Monday, August 20, 2018
Model Year APR* Term Down Payment
New 2018 2.49** 12 to 84 months 10%
New 2018 2.74** 12 to 84 months 0
2016- 2018 3.24** 12 to 84 months 0
2012-2015 3.74** 12 to 72 months 0
2008-2011 5.24** 12 to 60 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
Effective Date: Monday, August 20, 2018
Loan Type APR* Term Down Payment
New or Used Motorcycles 4.99** up to 60 months 20%
Antique, Classice and Exotic Vehicles 8.25** 12-120 months 10%
Boats 4.74** 12-60 months 15%
4.99** 72-120 months 15%
Campers and Motor Homes 4.99** 12-120 months 10%
Personal Recreation Vehicles 4.99** 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
Effective Date: Monday, August 20, 2018
Loan Type APR* Term
Revolving Credit up to $5000.00 max. 14.000% up to 42 months
Personal Loan (Unsecured) 6.990% 12 months
7.990% 24 months
8.990% 36 months
9.990% 48 months
Savings Secured Loans (12-60 months) - ask for current rates
Visa Credit Card as low as 9.90% maximum limit $8,000
Personal Loan (Secured) 6.000% 12 months
6.500% 24 months
7.000% 36 months
7.500% 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
Effective Date: Monday, August 20, 2018
Loan Type Term Rate APR*
Home Improvement Loans 12-36 months 5.75** 5.75%
48-60 months 8.75** 8.75%
72-120 months 9.75** 9.75%
Home Equity (Open Line of Credit)* Variable 4.750% 4.75%
Home Equity (Closed End Loan) 12-48 mths fixed 4.250% 4.25%
Home Equity 60-72 mths fixed 5.000% 5.00%
*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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