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Current RatesApply Now

Loan Rates

Secured Loans
Effective Date: Tuesday, September 17th, 2019
Autos, Boats, RVs, Motorcycles, Etc.
Credit ScoreGradeAPR*
740+ A+ 2.90%
690 - 739 A 3.65%
650-689 B 4.75%
610-649 C 7.75%
580-609 D 12.75%
579 & Below E 15.75%
*Rates stated above are for 35 months or less , add 0.25% for terms 36-60 months. Add 0.50% for terms 61-72 months. Longer terms available, please contact United for rate information. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted.
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 2018 and newer secured vehicle loans.
Includes a 0.25% discount available with Direct Deposit!

Unsecured Loans
Effective Date: Tuesday, September 17th, 2019
VISA Platinum and Lifestyle Loan
Credit ScoreGradeAPR*
740+ A+ 7.50%
690-739 A 9.50%
650-689 B 11.50%
610-649 C 13.50%
580-609 D 19.50%
579 & LOWER E 21.50%
*Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

Share Secured Loan
2% APR above current CD or Share Rate
APR
Varies

Dividend Rates

Regular and IRA Share Certificate Rates
Effective Date: Tuesday, September 17th, 2019
$500 Minimum
TermAPRAPY*
3 Months 0.50% 0.50%
6 Months 0.75% 0.75%
12 Months 1.25% 1.25%
16 Month CD Special** 1.75% 1.75%
18 Months 1.35% 1.35%
24 Months 1.50% 1.50%
36 Months 1.75% 1.75%
48 Months 1.85% 1.85%
60 Months 2.00% 2.00%
**Upon Maturity - automatically renews into a 12 Month CD.

Simple Saver Share Certificate
Effective Date: Tuesday, September 17th, 2019
$50 Minimum - Can Deposit Additional Money Anytime
TermAPRAPY*
12 Months 0.50% 0.50%
APY = Annual Percentage Yield.

Share Savings Accounts
Effective Date: Tuesday, September 17th, 2019
There is a $1.00 share requirement for each member number that will be held in your regular share account for as long as the account is open.
ProductLast Declared Dividend RateAPY*
Regular Shares, Special Shares, Christmas Club and IRA Shares 0.35% 0.35%

Money Market Accounts
Effective Date: Tuesday, September 17th, 2019
Includes Regular and IRA
Average Daily BalanceDividend RateAPY*
$0 - $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.45% 0.45%
$10,000 - $19,999.99 0.45% 0.45%
$20,000 - $49,999.99 0.55% 0.55%
$50,000 and over 0.60% 0.60%
APY = Annual Percentage Yield.

Checking Accounts
Effective Date: Tuesday, September 17th, 2019
Average Daily BalanceDividend RateAPY*
Reward Checking
$0 - $25,000 1.24% 1.25%
Over $25,000 0.15% 0.15%
Requirements Not Met 0.10% 0.10%
Initial deposit of $50 required to open Reward Checking. No minimum balance required to maintain.
Checking Plus
$0 - $10,000 0.10% 0.10%
Over $10,000 0.10% 0.10%
Personal Checking Plus - No interest if balance drops below $500.
Business Checking Plus - No interest if balance drops below $1000.
*APY = Annual Percentage Yield.

Equal Housing Lender National Credit Union Administration