This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.

Loan Rates

Apply Now

Secured Loans
Effective Date: Friday, January 24th, 2020
Autos, Boats, RVs, Motorcycles, Etc.
Credit ScoreGradeAPR*
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 above are for 35 months or less , 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 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 2019 and newer secured vehicle loans.
Includes a 0.25% discount available with Direct Deposit!

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, January 24th, 2020
VISA Platinum and Lifestyle Loan
Credit ScoreGradeAPR*
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, 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, January 24th, 2020
Credit Score10 Year Fixed15 Year Fixed
730+ 3.500% 4.000%
680-729 3.750% 4.500%
620-679 4.250% 5.250%

Adjustable Rate Mortgage Loans
Effective Date: Friday, January 24th, 2020
Credit Score5/1 ARM3/1 ARM1/1 ARM
730+ 3.250% 3.000% 2.500%
680-729 4.250% 4.000% 3.500%
640-679 5.250% 5.000% 4.500%
600-639 7.250% 7.000% 6.500%
<600 9.250% 9.000% 8.500%

Home Equity Line of Credit
Effective Date: Friday, January 24th, 2020
Credit Score80% LTV90% LTV
730+ 4.240% 5.240%
680-729 5.240% 6.240%
640-679 6.240% 7.240%
600-639 7.240% 8.240%
<600 10.240% N/A

Home Equity Fixed Loans
Effective Date: Friday, January 24th, 2020
Credit Score80% LTV90% LTV
730+ 6.240% 7.240%
680-729 7.240% 8.240%
640-679 8.240% 9.240%
600-639 10.240% 11.240%
<600 11.240% 12.240%

Secondary Market Fixed Rate Mortgage
Effective Date: Friday, January 24th, 2020
TermAPY
20 Year Fixed 3.625%
30 Year Fixed 3.875%

All rates are subject to daily change. Please contact the Mortgage Department for more information.

Accounts for all Ages
Equal Housing Lender National Credit Union Administration