United Credit Union 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.
Current Rates in effect May 4, 2023
Vehicle Loans
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Term |
APR Rates**
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New (2022 -2023) Up to 36 Months |
As low as 3.50%**
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New (2022 -2023 Up to 48 Months |
as low as 3.55%**
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New (2022 -2023) Up to 60 Months |
As low as 3.80%**
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New (2022 -2023) Up to 72 Months |
As low as 4.30%**
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New (2022 -2023) Up to 84 Months |
As low as 4.80%**
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Term |
APR Rates**
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Used (2022 -2023) Up to 36 Months |
As low as 3.55%**
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Used (2022 -2023) Up to 48 Months |
as low as 3.80%**
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Used (2022 -2023) Up to 60 Months |
As low as 4.05%**
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Used (2022 -2023) Up to 72 Months |
As low as 5.05%**
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Used (2022 -2023) Up to 84 Months |
As low as 6.05%**
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Term |
APR Rates**
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Used (2021 -2019) Up to 60 Months |
As low as 5.05%**
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Used (2019 and older) Up to 60 Months |
as low as 6.05%**
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**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 eStatements.
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 2019 – 2020: 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 2017 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
HELOC Loans
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* 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
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Loan Type |
Term |
APR Rates** |
Amount |
|
| Share / Savings Account |
Up to 24 Months Up to CD Maturity Up to 24 Months |
Highest Dividend Rate + 3.0%
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100% of Available Funds
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| Share Secured Certificate of Deposit |
CD Rate + 2.0% (subject to Floor Rate)
Term not to exceed CD maturity date
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100% of Certificate Funds
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| Line of Credit Share Secured |
Highest Dividend Rate + 3.0%
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100% of Available Funds
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| Line of Credit Certificate Secured |
Up to CD Maturity |
CD Rate + 2.0% (subject to Floor Rate)
Term not to exceed CD maturity date
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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.
