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Current United Credit Union Rates

Current Rates

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Current Rates

Current Rates

Loan Rates     Savings Rates

Loan Rates

Secured Loans
Effective Date: Monday, March 30th, 2020
Autos, Boats, RVs, Motorcycles, Etc.
Credit ScoreGradeAPR* as low as
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 as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.
Rates above includes a 0.25% discount available with Direct Deposit, 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 above are for 2018 and newer secured vehicle loans.

Unsecured Loans
Effective Date: Monday, March 30th, 2020
VISA Platinum and Lifestyle Loan
Credit ScoreGradeAPR* as low as
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

Fixed Rate Mortgage Loans
Effective Date: Monday, March 30th, 2020
Credit Score10 Year Fixed15 Year Fixed
730+ 3.500% 4.000%
680-729 3.750% 4.500%
620-679 4.250% 5.250%

Adjustable Rate Mortgage Loans
Effective Date: Monday, March 30th, 2020
Credit Score5/1 ARM3/1 ARM1/1 ARM
730+ 3.500% 3.250% 2.750%
680-729 4.625% 4.375% 3.875%
640-679 5.625% 5.375% 4.875%
600-639 7.625% 7.375% 6.875%
<600 9.625% 9.375% 8.875%

Home Equity Line of Credit
Effective Date: Monday, March 30th, 2020
Credit Score80% LTV90% LTV
730+ 3.250% 3.740%
680-729 3.740% 4.740%
640-679 4.740% 5.740%
600-639 5.740% 6.740%
<600 8.740% N/A

Home Equity Fixed Loans
Effective Date: Monday, March 30th, 2020
Credit Score80% LTV90% LTV
730+ 4.740% 5.740%
680-729 5.740% 6.740%
640-679 6.740% 7.740%
600-639 8.740% 9.740%
<600 9.740% 10.740%

Secondary Market Fixed Rate Mortgage
Effective Date: Monday, March 30th, 2020
TermAPY
20 Year Fixed 3.625%
30 Year Fixed 3.750%

Dividend Rates

Regular and IRA Share Certificate Rates
Effective Date: Monday, March 30th, 2020
$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: Monday, March 30th, 2020
$50 Minimum - Can Deposit Additional Money Anytime
TermAPRAPY*
12 Months 0.50% 0.50%
APY = Annual Percentage Yield.

Share Savings Accounts
Effective Date: Monday, March 30th, 2020
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: Monday, March 30th, 2020
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: Monday, March 30th, 2020
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.

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