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Current Rates

Loan Rates

Secured Loans
Effective Date: Friday, April 28th, 2017
Autos, Boats, RVs, Motorcycles, Etc.
Credit ScoreGradeAPR*
730+ A+ 2.65%
680 - 729 A 3.40%
640 - 679 B 5.40%
600 - 639 C 8.40%
570 - 599 D 12.40%
Below 570 E 14.40%
*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 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 2016 and newer secured vehicle loans. For vehicles 2009-2015, please add 0.25% to the secured rate state above corresponding to the correct credit score. For vehicles 2008 and older, please add 1.25% to the secured rate stated above.
Includes a 0.25% discount available with Direct Deposit!

Unsecured Loans
Effective Date: Friday, April 28th, 2017
VISA Platinum and Lifestyle Loan
Credit ScoreGradeAPR*
730+ A+ 7.50%
680 - 729 A 9.50%
640 - 679 B 11.50%
600 - 639 C 13.50%
570 - 599 D 19.50%
Below 570 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: Friday, April 28th, 2017
$500 Minimum
TermAPRAPY*
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
12 Months 0.40% 0.40%
18 Months 0.45% 0.45%
24 Months 0.65% 0.65%
36 Months 0.75% 0.75%
48 Months 1.00% 1.00%
60 Months 1.24% 1.25%

Simple Saver Share Certificate
Effective Date: Friday, April 28th, 2017
$50 Minimum - Can Deposit Additional Money Anytime
TermAPRAPY*
12 Months 0.25% 0.25%
APY = Annual Percentage Yield.

Share Savings Accounts
Effective Date: Friday, April 28th, 2017
Min, Balance to Earn Div.Last Declared Dividend RateAPY*
$1.00 (Regular Shares) 0.20% 0.20%

Money Market Accounts
Effective Date: Friday, April 28th, 2017
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 0.40% 0.40%
APY = Annual Percentage Yield.

Checking Accounts
Effective Date: Friday, April 28th, 2017
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 0.05% 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.

Equal Housing Lender National Credit Union Administration