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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