Current Rates

Savings | Checking | Investments | Loans | Credit Card

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.
Buttons---rate-sheet

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 7, 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%

Checking

Rates effective as of December 7, 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%

Investments

Rates effective as of December 7, 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%

Loans

Rates effective as of December 7, 2016

Apply online and receive a 0.25% discount on your rate – applies to certain loans only, some restrictions may apply. 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 up to 6 years
APR* As low as 1.99% °
Example payment on $1,000 at 1.99% for 2 years – $42.54 per month
 1.99% rate is lowest available rate – not to be combined with any other discounts or offers.
° =  Term limits apply. Call Credit Union for details.

 

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 up to 15 years
APR* As low as 1.99% °
Example payment on $1,000 at 1.99% for 3 years – $28.65 per month
 1.99% rate is lowest available rate – not to be combined with any other discounts or offers.
° =  Term limits apply. Call Credit Union for details.

 

Personal Loans

Minimum Loan Amount $1,000
Maximum Loan Amount $15,000
Maximum Term up to 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%

 

Mortgage & Home Equity Loan

First Mortgage
(up to 97% financing)

Loan Type APR* as low as Example payment on $10,000***
66 month Balloon 2.50% $162.34 per month
7 yr Balloon 2.625% $130.46 per month
10 yr Balloon 2.875% $95.99 per month
5 yr Fixed 2.50% $177.48 per month
10 yr Fixed 2.875% $95.99 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%

 

Credit Card

Rates effective as of September 23, 2016

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

Cardmember Services #

888-428-4721