Loan Rates


 

Credit Score

Grade

 Secured Loans (Autos, Boats, RVs, Motorcycles, Etc.)*
(Rates below for terms 36 months and less. See below for other terms.)

UNSECURED
(VISA® Platinum and   Lifestyle Loan)

730+

A+

***2.65%***

7.50%

660 - 729

A

***3.40%***

9.50%

630 - 659

B

***5.40%***

11.50% 

600 - 629

C

***8.40%***

13.50%

570 - 599

D

***12.40%***

19.50%

Below 570
E***14.40%*** 21.50%
**INCLUDES A 0.25% DISCOUNT AVAILABLE WITH DIRECT DEPOSIT!!!**

*RATES STATED ABOVE ARE FOR 36 MONTHS OR LESS, ADD 0.25% FOR TERMS 37-60 MONTHS. ADD 0.50% FOR TERMS 61-72 MONTHS. LONGER TERMS AVAILABLE, PLEASE CONTACT UCU FOR RATE INFORMATION.

EXAMPLE: A QUALIFIED BORROWER WITH CREDIT SCORE OF 705 BORROWING FOR 60 MONTHS ON A 2011 VEHICLE WHO HAS DIRECT DEPOSIT WOULD QUALIFY FOR A RATE OF 3.65% APR*.

RATES STATED AS ANNUAL PERCENTAGE RATE. ALL RATES ARE SUBJECT TO CREDIT APPROVAL AND ARE DETERMINED BY CREDIT SCORE. RATES SUBJECT TO CHANGE.

RATES STATED ABOVE ARE FOR 2011 AND NEWER SECURED VEHICLE LOANS.  FOR VEHICLES 2010 AND OLDER, PLEASE ADD 0.25% TO THE SECURED RATE STATED ABOVE CORRESPONDING TO THE CORRECT CREDIT SCORE. 


Payment Example:  $20,000 borrowed at 3.90% would result in a monthly payment of $367.49 for 60 months.  To figure a payment, please see our Payment Calculators or e-mail a Member Service Representative.

Apply Today!!

     

Other Available Loans

Type

Rate

Share Secured: 2% APR above current CD or share rate Varies
       


   
   
   
       
       

MORTGAGES LOANS

United Credit Union offers several Mortgage Loan Options, including 1, 3 and 5 year adjustable, fixed, construction, and Home Equity Loans.  Rates may change daily and are based on several factors including credit score, so please call our mortgage department to get our latest rate information.

Click Here For More Information on Mortgages Offered