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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 December 23, 2011
Fees could reduce earnings
Savings AccountsSavings Plus, Special Savings, Christmas Club, Vacation Club |
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Dividend Rate |
0.25% |
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APY** - Variable |
0.25% |
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Grand Account |
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Interest Rate |
0.30% |
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| APY** - Variable |
0.30% |
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Money Maker Savings Account |
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Average Daily Balance |
APY** Variable |
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$100 - $2,499 |
0.25% |
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$2,500 - $24,999 |
0.30% |
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$25,000 - $49,999 |
0.40% |
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$50,000 - $99,999 |
0.50% |
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$100,000 and up |
0.65% |
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Checking
Rates effective as of December 23, 2011
Fees could reduce earnings
Share Draft / Checking |
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Based on Average Daily Balance of: |
APY** |
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$0 - $2,499 |
0.00% |
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$2,500 - $24,999 |
0.25% |
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$25,000 - $49,999 |
0.40% |
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$50,000 - $99,999 |
0.50% |
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$100,000 and up |
0.65% |
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Direct Rewards Checking |
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Based on Average Daily Balance of : |
APY** |
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$0 - $25,000 |
2.00% |
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$25,001 and up |
0.25% |
Investments
Rates effective as of December 23, 2011
Certificate of Deposit (CDs & IRA CDs)Ask about our CD Rates for $100,000 or more!! (***)denotes a rate and / or yield available to Direct Rewards members only |
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Term |
Minimum Investment |
Interest Rate |
APY** |
6 month Youth |
$100 - $2,000 |
2.47% |
2.50% |
3 month |
$500 or more |
0.40% |
0.40% |
6 month |
$500 or more |
0.45% |
0.45% |
12 month |
$500 or more |
0.65% |
0.65% |
| 12 month Save to Win |
$25 or more |
0.65% |
0.65% |
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18 month |
$500 or more |
0.75% |
0.75% |
| 20 month Step Up |
$500 or more |
0.99% |
1.00% |
| 24 month |
$500 or more |
1.09% |
1.10% |
| 30 month |
$500 or more |
1.14% |
1.15% |
| 36 month Safe Parking |
$500 or more |
1.39% |
1.40% |
| 48 month |
$500 or more |
1.64% |
1.65% |
| 60 month |
$500 or more |
1.88% |
1.90% |
Traditional IRA & Roth IRA Accounts |
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Tier |
APY** |
Average daily balance of $100 - $1,999 |
0.25% |
Average daily balance of $2,000 - $9,999 |
0.30% |
Average daily balance of $10,000 - $49,999 |
0.40% |
Average daily balance of $50,000 -$99,999 |
0.50% |
Average daily balance of $100,000 & up |
0.65% |
Loans
Rates effective as of December 23, 2011
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 |
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Loan Type |
NEW & USED |
Maximum Loan Amount |
Purchase Price of vehicle |
Maximum Term |
6 years |
APR* |
As low as 2.75% |
| Example payment on $1,000 at 2.75% for 2 years - $42.88 |
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Travel Trailer, Motor Home, Boat, Motorcycle & Snowmobile Loan |
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Loan Type |
NEW or USED |
Maximum Loan Amount |
Purchase Price |
Maximum Term |
15 years |
APR* |
As low as 3.75% |
| Example payment on $1,000 at 2.90% for 5 years - $18.99 |
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Personal Loans |
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Minimum Loan Amount |
$1,000 |
Maximum Loan Amount |
$15,000 |
Maximum Term |
5 years |
APR* |
As low as 6.90% |
Example payment on $1,000 at 6.90% for 5 years - $19.76 |
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Quick Cash Line of Credit |
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Minimum Loan Amount |
$500 |
Maximum Loan Amount |
$5,000 |
Maximum Term |
Open-Ended |
APR* |
As low as 14.90% |
Platinum MasterCard |
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Maximum Loan Amount |
$15,000 |
APR* - Variable |
as low as 8.99% |
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 LoanFirst Mortgage & Construction |
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Loan Type |
APR* as low as |
Example payment on $10,000 |
5 yr Balloon |
3.50% |
$188.28 |
7 yr Balloon |
3.65% |
$140.01 |
10 yr Balloon |
3.80% |
$104.10 |
5 yr Fixed |
2.95% |
$179.47 |
10 yr Fixed |
3.20% |
$97.50 |
15 yr Fixed |
4.10% |
$77.52 |
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20 yr Fixed |
4.25% |
$64.53 |
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30 yr Fixed |
4.375% |
$52.04 |
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FHA Loan |
Call for rates |
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Rural Development |
Call for rates |
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Second Mortgage / Home Equity |
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Loan Type |
APR* as low as |
Example payment on $10,000 |
5 yr Fixed |
6.45% |
$195.43 |
10 yr Fixed |
6.95% |
$115.87 |
15 yr Fixed |
7.45% |
$92.44 |
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Vacant Land |
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Loan Type |
APR* as low as |
Example payment on $10,000 |
5 yr Fixed |
6.50% |
$195.67 |
10 yr Fixed |
7.50% |
$118.72 |
15 yr Fixed |
8.50% |
$98.50 |
5 yr Balloon |
6.50% |
$195.67 |
7 yr Balloon |
8.10% |
$156.37 |
Estimating Closing Costs |
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Application Fee |
Please call for fees |
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Appraisal Fee |
Please call for fees |
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Survey - only on Home Improvement or Construction |
Please call for fees |
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Flood Determination |
Please call for fees |
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Recording Fees |
Please call for fees |
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Title Insurance |
Based on amount financed |
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Home Equity Line of Credit (HELOC) |
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Loan Type |
Home Equity Line of Credit (HELOC) |
Maximum Loan Amount |
80% of appraised value |
Maximum Terms |
5 year draw |
APR*- Variable |
As low as 5.00% |
