Rates

Savings | Checking | Investments | Loans

Rates are subject to change. Certain rates may vary depending upon the amount invested and the term of the investment. Certain loan rates may vary depending upon the amount borrowed, the term of the loan, and whether the loan is based on a fixed or variable rate.

Rates listed represent our best rate and are subject to credit approval. Not all members qualify for our best rate. To determine your rate please contact the credit union. Rates and fees subject to change without notice; printed material distributed by United Financial may take priority over Internet rates and/or pages.

Savings

Rates effective as of July 1, 2016
Fees could reduce earnings

Savings Accounts

Savings Plus, Special Savings, Christmas Club, Vacation Club

Dividend Rate

0.05%

APY** - Variable

0.05%

   

Grand Account
Dividends will post to your Savings Plus Account

Interest Rate

0.10%

APY** - Variable

0.10%

   

Money Maker Savings Account

Average Daily Balance

APY** Variable

$100 - $2,499

0.05%

$2,500 - $24,999

0.10%

$25,000 - $49,999

0.15%

$50,000 - $99,999

0.20%

$100,000 and up

0.25%

 

Health Savings Account

Tier

Actual Rate

APY**
Variable

Average daily balance of $100 - $1,999

0.99%

1.00%

Average daily balance of $2,000 - $9,999

1.24%

1.25%

Average daily balance of $10,000 - $49,999

1.49%

1.50%

Average daily balance of $50,000 -$99,999

1.73%

1.75%

Average daily balance of $100,000 & up

1.98%

2.00%

 

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Checking

Rates effective as of July 1, 2016
Fees could reduce earnings

Share Draft / Checking

Based on Average Daily Balance of:

APY**
Variable

$0 - $2,499

0.00%

$2,500 - $24,999

0.05%

$25,000 - $49,999

0.10%

$50,000 - $99,999

0.15%

$100,000 and up

0.20%

 

Direct Rewards Checking

Based on Average Daily Balance of :

APY**
Variable

$0 - $25,000

1.01%

$25,001 and up

0.05%

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Investments

Rates effective as of July 1, 2016

Certificate of Deposit (CDs & IRA CDs)

Ask about our CD Rates for $100,000 or more!!
Certificate of Deposit rates are subject to change each Wednesday.
There could be a penalty for early withdrawal.

(***)denotes a rate and / or yield available to Direct Rewards members only

Term

Minimum Investment

Interest Rate

APY**

6 month 4H CD

Amount of 4H Check

4.98%

5.00%

6 month Youth
age 0-21

$100 - $2,000

1.00%

1.01%

3 month

$500 or more

0.05%
0.15%***

0.05%
0.15%***

6 month

$500 or more

0.10%
0.20%***

0.10%
0.20%***

12 month

$500 or more

0.15%
0.25%***

0.15%
0.25%***

12 month Save to Win

$25 or more

0.15%

0.15%

18 month

$500 or more

0.25%
0.35%***

0.25%
0.35%***

20 month Step Up

$500 or more

0.75%
0.85%***

0.75%
0.85%***

24 month

$500 or more

0.70%
0.80%***

0.70%
0.80%***

30 month

$500 or more

0.80%
0.90%***

0.80%
0.90%***

36 month Safe Parking

$500 or more
Withdraw 50% with no penalty

0.90%
0.99 %***

0.90%
1.00%***

48 month

$500 or more

1.49%
1.59%***

1.50%
1.60%***

60 month

$500 or more

1.98%
2.08 %***

2.00%
2.10%***

 

Traditional IRA & Roth IRA Accounts

Tier

Actual Rate

APY**
Variable

Average daily balance of $100 - $1,999

0.05%

0.05%

Average daily balance of $2,000 - $9,999

0.10%

0.10%

Average daily balance of $10,000 - $49,999

0.15%

0.15%

Average daily balance of $50,000 -$99,999

0.20%

0.20%

Average daily balance of $100,000 & up

0.25%

0.25%


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Loans

Rates effective as of July 1, 2016

Apply online and receive a 0.25% discount on your rate – applies to certain loans only. Contact the Credit Union for more information.

New & Used Automobile Loans

Loan Type

NEW & USED
Auto, Pickup, Van

Maximum Loan Amount

Purchase Price of vehicle

Maximum Term

6 years

APR*

As low as 1.99%

Example payment on $1,000 at 1.99% for 2 years - $42.54 per month

 

Travel Trailer, Motor Home, Boat, Motorcycle & Snowmobile Loan

Loan Type

NEW or USED
Travel Trailers, Motor Homes, Boats, Motorcycles, Snowmobiles

Maximum Loan Amount

Purchase Price

Maximum Term

15 years

APR*

As low as 1.99%

Example payment on $1,000 at 1.99% for 3 years - $28.65 per month


Personal Loans

Minimum Loan Amount

$1,000

Maximum Loan Amount

$15,000

Maximum Term

5 years

APR*

As low as 7.90%

Example payment on $1,000 at 7.90% for 5 years - $20.23 per month

 

Quick Cash Line of Credit

Minimum Loan Amount

$500

Maximum Loan Amount

$5,000

Maximum Term

Open-Ended

APR*

As low as 14.90%


Platinum MasterCard

Maximum Loan Amount

$15,000

APR* - Variable

as low as 9.25%

Default Rate

Please call for rates

Grace Period

25 days on purchases

Late Fee

If your payment is received after the due date on your monthly statement you will be charged a fee of up to $15.00

Minimum Finance Charge

$0.25

Annual Fee

None

Overlimit Fee

None

Balance Transfer Fee

None

Cash Advance Fee

Up to 4% of the amount of the cash advance.

Returned Check Fee

$20.00




Mortgage & Home Equity Loan

First Mortgage
(up to 97% financing)

Loan Type

APR* as low as

Example payment on $10,000***

7 yr Balloon

2.95%

$131.92 per month

66 month Balloon

2.50%

$162.34 per month

10 yr Balloon

2.95%

$96.34 per month

5 yr Fixed

2.50%

$177.49 per month

10 yr Fixed

2.95%

$96.34 per month

15 yr Fixed

Call or click for rates

 

20 yr Fixed

Call or click for rates

 

30 yr Fixed

Call or click for rates

 

FHA Loan

Call for rates

 

Rural Development

Call for rates

 

***The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes.
The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.
 

Second Mortgage / Home Equity
(up to 80% financing)

Loan Type

APR* as low as

Example payment on $10,000***

5 yr Fixed

5.00%

$188.39 per month

10 yr Fixed

5.25%

$107.08 per month

15 yr Fixed

5.50%

$81.54 per month

***The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes.
The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

Vacant Land
(up to 80% financing)

Loan Type

APR* as low as

Example payment on $10,000

5 yr Fixed

4.75%

$187.29 per month

10 yr Fixed

5.00%

$105.89 per month

15 yr Fixed

5.25%

$80.24 per month

7 yr Balloon

5.10%

$141.56 per month

***The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes.
The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

Estimating Closing Costs

Application Fee

Please call for fees

Appraisal Fee

Please call for fees

Survey - only on Home Improvement or Construction

Please call for fees

Flood Determination

Please call for fees

Recording Fees

Please call for fees

Title Insurance

Based on amount financed


Home Equity Line of Credit (HELOC)

Loan Type

Home Equity Line of Credit (HELOC)

Maximum Loan Amount

90% of appraised value

Maximum Terms

5 year draw
15 year repay

APR*- Variable

As low as 3.25%
Max rate 14.00%

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