Risk-Based | Loans | Mortgage | Savings | Certificates
| Loans |
APR*
|
Term
|
| Term Share Certificate Secured - 3.00% above Certificate Rate |
0.000
|
60
|
| Share / Savings Secured - 3.00% above Share / Savings Rate |
0.000
|
48
|
|
*APR = Annual Percentage Rate
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Rates are subject to change without prior notice. Rates determined by Board of Director and/or Management. United Credit Union Accounts are variable rate accounts.
Your account rate may change after the account has been opened.
|
|
Effective: January 1, 2012
|
| Savings |
Dividend/Interest Rate
|
APY*
|
| Regular Share/Savings |
.20%
|
.20%
|
| Special Share/Savings |
.20%
|
.20%
|
| Money Market |
.30%
|
.30%
|
| Traditional IRA |
.60%
|
.60%
|
| Educational IRA |
.60%
|
.60%
|
| Roth IRA |
.60%
|
.60%
|
|
*APY = Annual Percentage Yield. Rates are set by the Board of Directors.
Account Transfer Limitations apply to all except IRA Share Accounts
Shares and IRA Shares: Dividends compound quarterly and credit quarterly.
^ Money Market Accounts: Dividends compound Daily and are credited Monthly
RATES ARE SUBJECT TO CHANGE. RATES DETERMINED BY BOARD OF DIRECTORS AND/OR MANAGEMENT.
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|
|
Effective: December 19, 2011
| Certificates |
Dividend/Interest Rate
|
APY*
|
Term (months)
|
Penalty for Early
Surrender
|
| 3 Month Term Share Cert. |
.25%
|
.25%
|
3
|
3 Months
|
|
6 Month Term Share Cert.
|
.40%
|
.40%
|
6
|
3 Months
|
|
12 Month Term Share Cert.
|
.40%
|
.40%
|
12
|
6 Months
|
|
18 Month Term Share Cert.
|
.90%
|
.90%
|
18
|
12 Months
|
|
24 Month Term Share Cert.
|
1.15%
|
1.16%
|
24
|
12 Months
|
|
6 Month JUMBO Certificate 25,000
|
.60%
|
.60%
|
6
|
3 Months
|
|
12 Month JUMBO Certificate 25,000
|
.80%
|
.80%
|
12
|
6 Months
|
|
36 Month JUMBO Term Share Cert.
|
1.50%
|
1.51%
|
36
|
24 Months
|
|
48 Month JUMBO Term Share Cert.
|
1.60%
|
1.61%
|
48
|
36 Months
|
|
12 Month IRA Term Share Cert.
|
.40%
|
.40%
|
12
|
6 Months
|
|
24 Month IRA Term Share Cert.
|
1.10%
|
1.11%
|
24
|
12 Months
|
| 12 Month JUMBO IRA Cert. 25,000 |
.80%
|
.80%
|
12
|
6 Months
|
|
36 Month JUMBO IRA Cert. 25,000
|
1.50%
|
1.51%
|
36
|
24 Months
|
|
RATES ARE SUBJECT TO CHANGE DAILY. RATES DETERMINED BY BOARD OF DIRECTORS AND/OR MANAGEMENT.
|
*APY = Annual Percentage Yield.
All APY's are based on the dividends being applied back to the balance.
Substantial penalties apply for early withdrawals and may affect APY.
Term Share Certificates pledged on loans may be reduced in principle due to payment default.
All Term Share Certificate rates are set by Credit Union Management.
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|
Effective: December 3, 2010
We now do Risk based Mortgages |
| Type |
Term
(years)
|
A
APR*
|
B
APR*
|
| Land-70% Unimproved-7 Yr Arm with up to15 yr Amortization |
up to 15
|
5.25
|
6.50
|
| Land-80% Improved-7 Yr Arm with up to 15 yr Amortization |
up to 15
|
4.95
|
6.50
|
| Land-7 Yr fixed |
up to 7
|
4.25
|
6.50
|
| Land-10 Yr fixed |
10
|
4.95
|
6.75
|
| Land-15Yr fixed |
15
|
5.75
|
7.25
|
| Home Equity |
5
|
4.75
|
5.75
|
| Home Equity |
10
|
5.50
|
6.50
|
| Home Equity |
15
|
6.00
|
7.00
|
| Home Equity |
20
|
6.25
|
7.25
|
| Mortgage Loan - 80% max. finance |
10
|
4.95
|
6.00
|
| Mortgage Loan - 80% max. finance |
15
|
5.25
|
6.25
|
| Mortgage Loan-80% max finance |
20
|
5.50
|
6.70
|
| Mortgage Loan-80% max finance-7 Yr Arm with up to 30 Yr Amortization |
up to 30
|
3.95
|
5.70
|
| Mobile Home Loans-90% max. finance-with land |
Varies
|
9.99
|
10.99
|
| Interim Construction |
6-18 Mo
|
3.75 |
5.70 |
| Effective: January 25, 2012 |
| Type |
Term
(months)
|
A
APR*
|
B
APR*
|
C1
APR*
|
C2
APR*
|
D
APR*
|
E1
APR*
|
| Autos / Motorcycle New never titled ONLY *(*Based on Credit Scores) |
84
|
3.20
|
4.20
|
6.20
|
7.20
|
9.20
|
11.20
|
|
Autos / Motorcycle New 72 months
|
72
|
2.95
|
3.95
|
5.95
|
6.95
|
8.95
|
10.95
|
| Autos / Motorcycle New 60 months |
60
|
2.50
|
3.50
|
5.50
|
6.50
|
8.50
|
10.50
|
| Autos / Motorcycle New 48 months |
up to 48
|
2.25
|
3.25
|
5.25
|
6.25
|
8.25
|
10.25
|
|
Autos / Motorcycle Used -72 months
|
72
|
3.45 |
4.45 |
6.45 |
7.45 |
9.45 |
11.45 |
|
Autos/ Motorcycle Used -60months
|
60
|
2.99 |
3.99 |
5.99 |
6.99 |
8.99
|
10.99
|
|
Autos/ Motorcycle Used -48months
|
up to 48
|
2.75 |
3.75 |
5.75 |
6.75
|
8.75 |
10.75 |
| |
|
|
|
|
|
|
|
| Line of Credit - Signature |
|
7.00 |
8.00 |
10.00 |
11.00 |
13.00 |
15.00 |
|
Signature
|
up to 24
|
9.00
|
10.00
|
11.00
|
13.00
|
15.00
|
17.00
|
|
Signature
|
up to 60
|
10.00
|
11.00
|
12.00
|
14.00
|
16.00
|
18.00
|
| New RV: Motor Homes and Travel Trailers >$25,000 |
up to 180 |
5.99 |
6.99 |
8.99 |
9.99 |
11.99 |
13.99 |
|
New RV: Motor Homes and Travel Trailers
|
up to 120
|
4.99
|
5.99
|
7.99
|
8.99
|
10.99
|
12.99
|
| New RV: Motor Homes and Travel Trailers |
up to 72 |
3.25 |
4.25 |
6.25 |
7.25 |
9.25 |
11.25 |
|
Used RV: Motor Homes and Travel Trailers
|
84
|
5.25
|
6.25
|
8.25 |
9.25
|
11.25
|
12.25
|
| New Boat >$20,000 (inc motor & trailer) |
up to 120 |
4.99 |
5.99 |
7.99 |
8.99 |
10.99 |
11.99 |
| New Boat <$20,000 (inc motor & trailer) |
up to 72 |
3.25 |
4.25 |
6.25 |
7.25 |
9.25 |
11.25 |
|
Used Boat (inc motor & trailer)
|
up to 72
|
5.25
|
6.25
|
8.25
|
9.25
|
11.25
|
13.25
|
| New Jet Ski or ATV |
60 |
5.99 |
6.99 |
8.99 |
9.99 |
11.99 |
13.99 |
| Used Jet Ski or ATV |
48 |
6.99 |
7.99 |
9.99 |
10.99 |
12.99 |
14.99 |
| Household Goods |
up to 48
|
10.00
|
11.00
|
13.00
|
14.00
|
16.00
|
18.00
|
| Equipment (Installment Note) |
up to 72
|
6.99
|
7.99
|
9.99
|
10.99
|
12.99
|
14.99
|
| Equipment(Term Note) |
Varies
|
10.00
|
11.00
|
13.00
|
14.00
|
16.00
|
18.00
|
|
