Loan Rates
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Secured Loans |
Effective Date: Friday, August 12th, 2022 |
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 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 2021 and newer secured vehicle loans. |
Payment Example
$20,000 borrowed at 3.90% would result in a monthly payment of $367.49 for 60 months. To figure a payment, please e-mail a Member Service Representative.
Unsecured Loans |
Effective Date: Friday, August 12th, 2022 |
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 |
Mortgage Loans
United Credit Union offers several Mortgage Loan Options, including 1, 3 and 5 year adjustable, fixed, construction, and Home Equity Loans. Rates may change daily and are based on several factors including credit score, so please call our mortgage department to get our latest rate information.
Click Here For More Information on Mortgages Offered
Fixed Rate Mortgage Loans |
Effective Date: Friday, August 12th, 2022 |
Credit Score | 10 Year Fixed | 15 Year Fixed |
730+ |
4.250% |
4.375% |
680-729 |
4.500% |
4.875% |
620-679 |
5.000% |
5.625% |
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
Adjustable Rate Mortgage Loans |
Effective Date: Friday, August 12th, 2022 |
Credit Score | 5/1 ARM | 3/1 ARM | 1/1 ARM |
730+ |
5.875% |
5.625% |
5.125% |
680-729 |
6.875% |
6.625% |
6.125% |
640-679 |
7.875% |
7.625% |
7.125% |
600-639 |
9.875% |
9.625% |
9.125% |
<600 |
11.875% |
11.625% |
11.125% |
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
Home Equity Line of Credit |
Effective Date: Friday, August 12th, 2022 |
Credit Score | 80% LTV | 90% LTV |
730+ |
5.500% |
5.990% |
680-729 |
5.990% |
6.990% |
640-679 |
6.990% |
7.990% |
600-639 |
7.990% |
8.990% |
<600 |
10.990% |
N/A |
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
Home Equity Fixed Loans |
Effective Date: Friday, August 12th, 2022 |
Credit Score | 80% LTV | 90% LTV |
730+ |
6.990% |
7.990% |
680-729 |
7.990% |
8.990% |
640-679 |
8.990% |
9.990% |
600-639 |
10.990% |
11.990% |
<600 |
11.990% |
12.990% |
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
Secondary Market Fixed Rate Mortgage |
Effective Date: Friday, August 12th, 2022 |
Term | APY* |
20 Year Fixed |
5.125% |
30 Year Fixed |
5.625% |
*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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