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Current United Credit Union Rates

Current Rates

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Current Rates

Current Rates

Loan Rates     Savings Rates

Our rates are subject to change, please call for up-to-date rates.

Loan Rates

Secured Loans
Effective Date: Tuesday, March 19th, 2024
Autos, Boats, RVs, Motorcycles, Etc.
Credit ScoreGradeAPR* as low as
740+ A+ 6.90%
690 - 739 A 7.65%
650-689 B 8.50%
610-649 C 11.20%
580-609 D 16.50%
579 & Below E 19.25%
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 include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 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 2023 and newer secured vehicle loans.

Unsecured Loans
Effective Date: Tuesday, March 19th, 2024
VISA Platinum and Lifestyle Loan
Credit ScoreGradeAPR* as low as
740+ A+ 9.50%
690-739 A 11.50%
650-689 B 13.50%
610-649 C 15.50%
580-609 D 21.50%
579 & LOWER E 23.50%
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, March 19th, 2024
$500 Minimum
TermAPR*APY**
3 Months 1.10% 1.10%
6 Months 1.25% 1.25%
12 Months 1.40% 1.40%
18 Months 1.50% 1.50%
24 Months 1.75% 1.75%
36 Months 2.00% 2.00%
48 Months 2.25% 2.25%
60 Months 2.50% 2.50%
* APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.
***Upon Maturity - automatically renews into a 12 Month CD.
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

Simple Saver Share Certificate
Effective Date: Tuesday, March 19th, 2024
$50 Minimum - Can Deposit Additional Money Anytime
TermAPR*APY**
12 Months 0.15% 0.15%
*APR = Annual Percentage Rate.
**APY = Annual Percentage Yield.
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

Share Savings Accounts
Effective Date: Tuesday, March 19th, 2024
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 0.25% 0.25%
*APY = Annual Percentage Yield.
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

Money Market Accounts
Effective Date: Tuesday, March 19th, 2024
Includes Regular and IRA
Average Daily BalanceDividend RateAPY*
$0 - $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.25% 0.25%
$10,000 - $19,999.99 0.25% 0.25%
$20,000 - $49,999.99 0.35% 0.35%
$50,000 and over 0.45% 0.45%
*APY = Annual Percentage Yield.
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

Checking Accounts
Effective Date: Tuesday, March 19th, 2024
Average Daily BalanceDividend RateAPY*
Reward Checking
$0 - $25,000 0.60% 0.60%
Over $25,000 0.25% 0.25%
Requirements Not Met 0.10% 0.10%
Initial deposit of $50 required to open Reward Checking. No minimum balance required to maintain.
*APY = Annual Percentage Yield.
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.

 

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