United Credit Union provides its members a variety of loan products, terms and rates to meet their financial requirements from time to time. You can apply for a loan in person, on line or through our 24/7 loan by phone service. United Credit Union has a loan product to fit your needs and at an attractive competitive rate. When the need arises it is prudent for our members to call or stop at any of our convenient Financial Service Centers and speak to a Personal Financial Representative.

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Current Rates in effect July 1, 2020

Vehicle Loans

Term

APR Rates**

New (2019 -2020) Up to 36 Months

As low as 1.75%**

New (2019 -2020) Up to 48 Months

as low as 1.80%**

New (2019 -2020) Up to 60 Months

As low as 2.05%**

New (2019 -2020) Up to 66 Months

As low as 2.55%**

New (2019 -2020) Up to 72 Months

As low as 3.05%**

Term

APR Rates**

Used (2019 -2020) Up to 36 Months

As low as 1.80%**

Used (2019 -2020) Up to 48 Months

as low as 2.05%**

Used (2019 -2020) Up to 60 Months

As low as 2.30%**

Used (2019 -2020) Up to 66 Months

As low as 3.30%**

Used (2019 -2020) Up to 72 Months

As low as 4.30%**

Term

APR Rates**

Used (2018 -2017) Up to 60 Months

As low as 2.80%**

Used (2016 and older) Up to 60 Months

as low as 3.80%**

**APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

The rate listed above assumes a 0.25% discount for automatic payment, 0.25% discount for pre-approval, 0.25% for eStatements and 0.25% member appreciation bonus.

NEW Vehicles: Up to 100% Financing, if you qualify. Cash Purchase price includes taxes, license and title. Excluding extended warranty, Gap insurance, etc.

USED Vehicles model year 2017 – 2018: Up to 100% of NADA Average Retail, if you qualify, LESS: High Mileage Adjustment. Cash Purchase price includes taxes, license and title. Excluding extended warranty, Gap insurance, etc. Used Vehicles model 2016 and older: Up to 100% of the average trade- in value, LESS: High Mileage Adjustment. Cash Purchase price includes taxes, license and title. Excluding extended warranty, Gap insurance, etc

Mortgage Loans
Rate APR* Points Term Estimated Payment
Single family owner occupied     1 – 4 units 95% LTV 4.75% 4.88% 30 Yr. $5.22 per $1,000
Single family owner occupied     1 – 4 units 80% LTV 3.00% 3.32% 10 Yr. $9.66 per $1,000
3.10% 3.32% 15 Yr. $6.95% per $1,000
3.50% 3.67% 20 Yr. $5.80 per $1,000
3.75% 3.82% 30 Yr. $4.63 per $1,000
Jumbo owner occupied only 80% LTV 3.80% 3.84% 15 Yr. $7.30 per $1,000
4.00% 4.03% 20 Yr. $6.06 per $1,000
4.25% 4.28% 30 Yr. $4.92 per $1,000
Investor 1-4 units 75% LTV 4.50% 5.05% 1.00% 10 Yr. $10.36 per $1,000
4.75% 5.13% 1.00% 15 Yr. $7.78 per $1,000
5.00% 5.30% 1.00% 20 Yr. $6.60 per $1,000
* APR = Annual Percentage Rate. Rates are subject to change. Payment estimate does not include taxes and insurance.  NMLS# 684375

HELOC Loans

80% First Mortgage HELOC
Credit Score Rate APR Margin
740+ 4.25% 4.250% n/a
690 -739 4.25% 4.250% n/a
650 – 689 4.50% 4.500% P + 1.25
620 – 649 5.75% 5.750% P + 2.50
80% Maximum Financing
80% Second Mortgage HELOC
Credit Score Rate APR Margin
740+ 4.25% 4.250% n/a
690 -739 4.25% 4.250% n/a
650 – 689 4.75% 4.750% P + 1.50
620 – 649 6.00% 6.000% P + 2.75
80% Maximum Financing
90% First Mortgage HELOC
Credit Score Rate APR Margin
740+ 4.25% 4.250% n/a
690 -739 4.75% 4.750% P + 1.50
650 – 689 5.00% 5.000% P + 1.75
620 – 649 7.25% 7.250% P + 4.00
90% Maximum Financing
90% Second Mortgage HELOC
Credit Score Rate APR Margin
740+ 4.25% 4.250% n/a
690 -739 4.75% 4.750% P + 1.50
650 – 689 5.25% 5.250% P + 2.00
620 – 649 7.25% 7.250% P + 4.00
80% Maximum Financing

Personal Loans

Loan Type

Term

APR Rates*

Amount

Fixed Term

Up to 36 Months

9.95% – 19.0%

Up to $5,000.00

* APR for the personal loans will be adjusted when Single Life Insurance is added to the loan balance each month.

Note:

Rates, terms and eligible amount for financing are based on your personal credit history. Certain restrictions may apply. Ask for details.

Other Secured Loans

Loan Type

Term

APR Rates**

Amount

Share / Savings Account

Up to 24 Months

Up to CD Maturity

Up to 24 Months

Dividend Rate + 3.0%
100% of Available Funds
Share Secured Certificate of Deposit
Dividend Rate + 2.0%
100% of Certificate Funds
Share Secured Line of Credit
3.0%
100% of Available Funds
Certificate Secured Line of Credit

Up to CD Maturity

2.0%
100% of Certificate Funds

With a United Credit Union Savings Secured Loan it’s Simple, Swift, Smart, Safe and Sound. Your Savings will stay intact while earning our regular high rate of dividend and you “pay yourself” back at a low interest rate. It’s a great way to build your nest egg!

*APR is the Annual Percentage Rate.

USE OUR ONLINE CALCULATOR