_247.png "United Credit Union Loan Rates")
Loan Rates
Loan Rates
| Secured Loans | ||
| Effective Date: Sunday, January 25th, 2026 | ||
| Autos, Boats, RVs, Motorcycles, Etc. | ||
| Credit Score | Grade | APR* as low as |
| 740+ | A+ | 4.69% |
| 690 - 739 | A | 5.44% |
| 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. | ||
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: Sunday, January 25th, 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
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. Please call our mortgage department to get our current rate information.
