Current Rates
UCU strives to offer the most competitive rates and terms possible to our members.
All rates are effective as of October 1, 2023
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
Auto Loans
| Loan Type | APR as low as* | Term** | Min. Loan Amount |
| New & Used Autos | 5.49% | 6-35 months | $3,000 |
| 5.49% | 36-59 months | $3,000 |
| 5.99% | 60-83 months | $7,500 |
| 7.74% | 84-96 months | $30,000 |
Program Details: Interest rates above apply to loans secured by non-commercial passenger vehicles both NEW and USED up to 10 model years old, Autos & Light Duty Trucks. Collateral secured by title. *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. **Term subject to creditworthiness and collateral. Membership eligibility applies. Additional fees may apply.
Recreational Loans
| Loan Type | APR as low as* | Term** | Min. Loan Amount |
| New & Used Vehicles | 5.49% | 6-35 months | $3,000 |
| 5.49% | 36-59 months | $3,000 |
| 5.99% | 60-83 months | $7,500 |
| 7.74% | 84-120 months | $30,000 |
Program Details: Interest rates above apply to loans secured by non-commercial recreational vehicles both NEW and USED up to 10 model years old. Includes Motorcycles, Motor Homes, Snowmobiles, Boats, Personal Watercrafts, ATVs, Campers, 5th Wheels, Travel Trailers, and includes Other Chattel. Collateral secured by title when available or UCC. *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. **Term subject to creditworthiness and collateral. Membership eligibility applies. Additional fees may apply.
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 |
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 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 |
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 07/27/2023 WSJ Prime Rate was 8.50% 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
| 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 |
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 07/27/2023 WSJ Prime Rate was 8.50% 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.
Personal Loan Rates
| Loan Type | APR as low as* | Min Loan Amount | Max Loan Amount |
| Personal Loans | 9.99% | $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. Membership eligibility applies.
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 |
*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.
