Loan Rates
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| Secured Loans |
| Effective Date: Monday, March 30th, 2020 |
| 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 2018 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: Monday, March 30th, 2020 |
| 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: Monday, March 30th, 2020 |
| 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: Monday, March 30th, 2020 |
| Credit Score | 5/1 ARM | 3/1 ARM | 1/1 ARM |
| 730+ |
3.500% |
3.250% |
2.750% |
| 680-729 |
4.625% |
4.375% |
3.875% |
| 640-679 |
5.625% |
5.375% |
4.875% |
| 600-639 |
7.625% |
7.375% |
6.875% |
| <600 |
9.625% |
9.375% |
8.875% |
| Home Equity Line of Credit |
| Effective Date: Monday, March 30th, 2020 |
| 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: Monday, March 30th, 2020 |
| 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: Monday, March 30th, 2020 |
| Term | APY |
| 20 Year Fixed |
3.625% |
| 30 Year Fixed |
3.750% |
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