Current Rates
Current Rates
Our rates are subject to change, please call for up-to-date rates.
Loan Rates
| Secured Loans | ||
| Effective Date: Monday, September 21st, 2026 | ||
| Autos, Boats, RVs, Motorcycles, Etc. | ||
| Credit Score | Grade | APR* as low as |
| 740+ | A+ | 4.49% |
| 690 - 739 | A | 5.24% |
| 650-689 | B | 6.29% |
| 610-649 | C | 8.99% |
| 580-609 | D | 14.29% |
| 579 & Below | E | 17.04% |
| 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. 1% will be added to the rate for non-titled vehicles such as ATVs/UTVs and equipment. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted. | ||
| Rates stated above are for 2025 and newer secured vehicle loans. | ||
| Unsecured Loans | ||
| Effective Date: Monday, September 21st, 2026 | ||
| VISA Platinum and Lifestyle Loan | ||
| Credit Score | Grade | APR* 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 |
| Mortgage Loans | |
| Effective Date: Monday, September 21st, 2026 | |
| Type | Interest rates as low as |
| 5/1 ARM | 6.000% |
| 7/1 ARM | 6.375% |
| HELOC | 6.000% |
| HE Fixed | 7.490% |
| 10 Year Fixed | 6.625% |
| 15 Year Fixed | 6.750% |
| 20 Year Fixed | 7.750% |
| 30 Year Fixed | 7.625% |
| FHA | 6.875% |
| VA | 6.875% |
| USDA | 6.750% |
| Home Ready | 7.250% |
| Rates subject to change without notice. Interest rates shown are the lowest available rates and are subject to credit approval and underwriting guidelines. Actual rate and APR may vary based on creditworthiness, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Adjustable-rate mortgage (ARM) rates and payments may increase after the initial fixed-rate period. HELOC rates may be variable. Membership eligibility required. Interest rates do not include closing costs, prepaid finance charges, escrow requirements, or other fees that may increase the APR. Equal Housing Lender. NMLS #411940 | |
Dividend Rates
| Regular and IRA Share Certificate Rates | ||
| Effective Date: Monday, September 21st, 2026 | ||
| $500 Minimum | ||
| Term | APR* | APY** |
| 11 Month Special*** | 3.85% | 3.92% |
| 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% |
| 30 Month Special**** | 3.85% | 3.92% |
| 36 Months | 2.00% | 2.00% |
| 48 Months | 2.25% | 2.25% |
| 55 Month Special***** | 3.85% | 3.92% |
| 60 Months | 2.50% | 2.50% |
| * APR = Annual Percentage Rate. | ||
| **APY = Annual Percentage Yield. | ||
| ***Automatically renews into a 6-month certificate upon maturity. For a limited time only. | ||
| ****Automatically renews into a 24-month certificate upon maturity. For a limited time only. | ||
| *****Automatically renews into a 48-month certificate upon maturity. For a limited time only. | ||
| 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: Monday, September 21st, 2026 | ||
| $50 Minimum - Can Deposit Additional Money Anytime | ||
| Term | APR* | APY** |
| 12 Months | 0.50% | 0.50% |
| *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: Monday, September 21st, 2026 | ||
| 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 | 0.25% | 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: Monday, September 21st, 2026 | ||
| Includes Regular and IRA | ||
| Average Daily Balance | Dividend Rate | APY* |
| $0 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $19,999.99 | 0.30% | 0.30% |
| $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: Monday, September 21st, 2026 | ||
| Average Daily Balance | Dividend Rate | APY* |
| 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. | ||
