Current Rates
Current Rates
Our rates are subject to change, please call for up-to-date rates.
Loan Rates
| Secured Loans | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| Autos, Boats, RVs, Motorcycles, Etc. | ||
| Credit Score | Grade | APR* 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 2021 and newer secured vehicle loans. | ||
| Unsecured Loans | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| VISA Platinum and Lifestyle Loan | ||
| Credit Score | Grade | APR* 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: Friday, December 3rd, 2021 | ||
| Credit Score | 10 Year Fixed | 15 Year Fixed |
| 730+ | 3.000% | 3.500% |
| 680-729 | 3.500% | 4.000% |
| 620-679 | 3.750% | 4.750% |
| Adjustable Rate Mortgage Loans | |||
| Effective Date: Friday, December 3rd, 2021 | |||
| Credit Score | 5/1 ARM | 3/1 ARM | 1/1 ARM |
| 730+ | 3.500% | 3.250% | 2.750% |
| 680-729 | 4.500% | 4.250% | 3.750% |
| 640-679 | 5.500% | 5.250% | 4.750% |
| 600-639 | 7.500% | 7.250% | 6.750% |
| <600 | 9.500% | 9.250% | 8.750% |
| Home Equity Line of Credit | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| Credit Score | 80% LTV | 90% 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: Friday, December 3rd, 2021 | ||
| Credit Score | 80% LTV | 90% 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: Friday, December 3rd, 2021 | |
| Term | APY* |
| 20 Year Fixed | 3.000% |
| 30 Year Fixed | 3.125% |
| *APY = Annual Percentage Yield | |
Dividend Rates
| Regular and IRA Share Certificate Rates | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| $500 Minimum | ||
| Term | APR* | APY** |
| 3 Months | 0.15% | 0.15% |
| 6 Months | 0.20% | 0.20% |
| 12 Months | 0.30% | 0.30% |
| 18 Months | 0.40% | 0.40% |
| 24 Months | 0.45% | 0.45% |
| 36 Months | 0.50% | 0.50% |
| 48 Months | 0.55% | 0.55% |
| 60 Months | 0.60% | 0.60% |
| * APR = Annual Percentage Rate. | ||
| **APY = Annual Percentage Yield. | ||
| ***Upon Maturity - automatically renews into a 12 Month CD. | ||
| Simple Saver Share Certificate | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| $50 Minimum - Can Deposit Additional Money Anytime | ||
| Term | APR* | APY** |
| 12 Months | 0.15% | 0.15% |
| *APR = Annual Percentage Rate. | ||
| **APY = Annual Percentage Yield. | ||
| Share Savings Accounts | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| 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. | ||
| Product | Last Declared Dividend Rate | APY* |
| Regular Shares, Special Shares, Christmas Club and IRA Shares | 0.15% | 0.15% |
| *APY = Annual Percentage Yield. | ||
| Money Market Accounts | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| Includes Regular and IRA | ||
| Average Daily Balance | Dividend Rate | APY* |
| $0 - $2,499.99 | 0.00% | 0.00% |
| $2,500 - $9,999.99 | 0.20% | 0.20% |
| $10,000 - $19,999.99 | 0.20% | 0.20% |
| $20,000 - $49,999.99 | 0.30% | 0.30% |
| $50,000 and over | 0.35% | 0.35% |
| *APY = Annual Percentage Yield. | ||
| Checking Accounts | ||
| Effective Date: Friday, December 3rd, 2021 | ||
| Average Daily Balance | Dividend Rate | APY* |
| Reward Checking | ||
| $0 - $25,000 | 0.50% | 0.50% |
| 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 | 0.05% | 0.05% |
| Over $10,000 | 0.05% | 0.05% |
| Personal Checking Plus - No interest if balance drops below $500. | ||
| Business Checking Plus - No interest if balance drops below $1000. | ||
| *APY = Annual Percentage Yield. | ||
