University Credit Union

University Credit Union Update on COVID-19

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Credit union

Loan Rates

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Rates and Terms listed are subject to change without notice. Fees could reduce the earnings on the account.

(APR=Annual Percentage Rate)

Loan Type	Term	APR
Certificate Secured Loan	Up to 60 months	3% over share/certificate rate (Max. $100,000)
Share Secured Loan	Up to 24 months	3% over share/certificate rate (Max. $100,000)
Signature Fixed Loan	Up to 60 months	As low as 6.74% * (Max $20,000)
Signature Line of Credit	Revolving	As low as 10.49% * (Max $20,000)
Mastercard Classic	Revolving	13.2% * (Max $10,000)
Mastercard Gold	Revolving	10.9% * (Max $20,000)
Mastercard Platinum	Revolving	8.9% * (Max $30,000)
Mastercard Secured	Revolving	9.0% (Max $10,000)
* Credit criteria apply.

Vehicle Loans

New Car Loans
Term	APR
Up to 36 months	As low as 2.34% *
48 months	As low as 2.59% *
60 months	As low as 2.59% *
72 months¹	As low as 2.84% *
78 months¹	As low as 3.09% *
84 months¹	As low as 4.59% *
APR = Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rate are available, based on your credit profile and loan terms. Credit criteria apply. Rates are fixed for the term of the loan. ¹$25,000.00 minimum*

Used Car Loans
Term	Model Year	APR
Up to 36 months	2011 - 2019	As low as 2.34% *
48 months	2012 - 2019	As low as 2.59% *
60 months	2012 - 2019	As low as 2.59% *
72 months¹	2015 - 2019	As low as 2.84% *
78 months¹	2018 - 2019	As low as 3.09% *

APR = Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rate are available, based on your credit profile and loan terms. Credit criteria apply. Rates are fixed for the term of the loan. ¹$25,000.00 minimum*

Other Vehicles
Loan Type	Term	APR
New Motorcycle (Min $5,000/Max $30,000)	Up to 84 months	As low as 5.10% *
New Boat 100% (Max $250,000)	Up to 180 months	As low as 4.99% *
New Camping Trailer or Motor Home (Up to $250,000)	Up to 180 months	As low as 5.10% *
APR = Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. Credit criteria apply. Rates are fixed for the term of the loan. ¹$25,000.00 minimum*

Real Estate Secured Loans

Fixed Rate Home Equity Loan
Loan to Value/Term	Fixed APR
Up to 80% LTV (Term 5-9 Years/Max $250,000)¹	As low as 4.00% *
Up to 80% LTV (Term 10-14 Years/Max $250,000)¹	As low as 4.50% *
Up to 80% LTV (Term 15 Years/Max $250,000)¹	As low as 5.00% *
* Based on loan amount. Credit criteria apply. Rates are fixed for the term of the loan. ¹ Higher amount might be considered.

Home Equity Line of Credit
Loan to Value/Term	Variable APR
Up To 80% LTV (Term 20 Years/Max $250,000.00)¹	As low as 4.75% *
* Based on loan amount. Credit criteria apply. ¹Higher amount might be considered.

Monthly University Credit Union loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term.