Loan Rates

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Secured Loans
Effective Date: Saturday, January 23rd, 2021
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 includes a 0.25% discount available with Direct Deposit, 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 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: Saturday, January 23rd, 2021
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: Saturday, January 23rd, 2021
Credit Score	10 Year Fixed	15 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: Saturday, January 23rd, 2021
Credit Score	5/1 ARM	3/1 ARM	1/1 ARM
730+	3.375%	3.125%	2.625%
680-729	4.375%	4.125%	3.625%
640-679	5.375%	5.125%	4.625%
600-639	7.375%	7.125%	6.625%
<600	9.375%	9.125%	8.625%

Home Equity Line of Credit
Effective Date: Saturday, January 23rd, 2021
Credit Score	80% LTV	90% LTV
730+	3.250%	3.740%
680-729	3.740%	4.740%
640-679	4.740%	5.740%
600-639	5.740%	6.740%
<600	8.740%	N/A

Home Equity Fixed Loans
Effective Date: Saturday, January 23rd, 2021
Credit Score	80% LTV	90% LTV
730+	4.740%	5.740%
680-729	5.740%	6.740%
640-679	6.740%	7.740%
600-639	8.740%	9.740%
<600	9.740%	10.740%

Secondary Market Fixed Rate Mortgage
Effective Date: Saturday, January 23rd, 2021
Term	APY*
20 Year Fixed	2.625%
30 Year Fixed	2.750%
*APY = Annual Percentage Yield

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