Current Personal Rates
Savings | Checking | Investments | Consumer Loans |Home 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.
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 September 22, 2023
Fees could reduce earnings
Savings AccountsSavings Plus, Special Savings, Christmas Club, Vacation Club |
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Dividend Rate | 0.05% | ||
APY** – Variable | 0.05% |
Money Maker Savings Account |
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Average Daily Balance | APY**Variable | ||
$100 – $2,499 | 0.80% | ||
$2,500 – $24,999 | 0.90% | ||
$25,000 – $49,999 | 1.00% | ||
$50,000 – $99,999 | 1.10% | ||
$100,000 and up | 1.20% |
Money Maker PLUS Savings AccountE-Statements and a Checking account with Debit Card required to earn this rate.
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Average Daily Balance | APY**Variable | ||
$1,000 – $49,999 | 1.10% | ||
$50,000 – $99,999 | 2.10% | ||
$100,000 -$499,999 | 3.00% | ||
$500,000 and up | 3.15% |
Health Savings Account |
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Tier | Actual Rate | APY** Variable |
Average daily balance of $100 – $1,999 | 0.10% | 0.10% |
Average daily balance of $2,000 – $9,999 | 0.25% | 0.25% |
Average daily balance of $10,000 – $49,999 | 0.50% | 0.50% |
Average daily balance of $50,000 -$99,999 | 0.75% | 0.75% |
Average daily balance of $100,000 & up | 0.99% | 1.00% |
Grand Account
Dividends will post to your Savings Plus Account. Deposits and Withdrawals must be done in increments of $1,000 *As of 8/1/2022 – no New Grand Accounts are available to open |
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Interest Rate | 0.22% | ||
APY** – Variable | 0.22% |
Checking
Rates effective as of September 22, 2023
Fees could reduce earnings
UFirst Cash Rewards CheckingMust meet monthly requirements to qualify for rate listed below. |
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Based on Average Daily Balance of : | APY** Variable |
$0 – $10,000 | 5.00% |
$10,001 and up | 0.00% |
Investments
Rates effective as of September 22, 2023
Certificate of Deposit (CDs & IRA CDs)Jumbo CD Rates available for 24 – 60 Month Certificate of Deposit for $100,000 or more • Jumbo CDs will receive an additional 0.10% There could be a penalty for early withdrawal. **APY = Annual Percentage Yield. All dividends and interest are paid monthly and are based on average daily balance. |
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Term | Minimum Investment | Interest Rate | APY** |
11 Month Special New Money |
$500 or more Max $250,000 per member |
4.88% | 5.00% |
11 Month Special | $500 or more Max $250,000 per member |
4.64% | 4.75% |
6 month 4H or FFA CD |
Amount of 4H or FFA Check Max $5,000, 1 per member |
4.97% | 5.10% |
6 month Youth age 0-21 |
$100 – $2,000 1 per member |
4.88% | 5.00% |
Hometown Hero 6 month | $250 or more | 3.34% | 3.40% |
Hometown Hero 18 month | $250 or more | 3.54% | 3.60% |
6 month | $500 or more | 3.10% | 3.15% |
12 month | $500 or more | 3.20% | 3.25% |
12 month Save to Win | $25 or more | 3.20% | 3.25% |
18 month | $500 or more | 3.30% |
3.35% |
20 month: Step Up CD | $500 or more | 3.44% | 3.50% |
24 month | $500 or more | 3.49% | 3.55% |
36 month: Safe Parking | $500 or more Withdraw 50% with no penalty |
3.92% | 4.00% |
48 month | $500 or more |
3.92% |
4.00% |
60 month | $500 or more | 3.92% |
4.00% |
39 Month Special – Double Step Up | NO NEW CDS ALLOWED | 3.83% | 3.90% |
Traditional IRA & Roth IRA Accounts |
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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% |
Consumer Loans
Rates effective as of September 22, 2023
New & Used Automobile Loans |
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Loan Type | NEW & USED Auto, Pickup, Van |
Maximum Loan Amount | Purchase Price of vehicle |
Maximum Term | up to 7 years |
APR* | As low as 6.60% ° |
Example payment on $10,000 at 6.60% for 5 years – $196.15 per month
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Travel Trailer, Motor Home, Boat, Motorcycle & Snowmobile Loan |
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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 6.75% ° |
Example payment on $10,000 at 6.75% for 5 years – $196.86 per month |
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6.75% rate is lowest available rate – not to be combined with any other discounts or offers.
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Personal Loans |
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Minimum Loan Amount | $1,000 |
Maximum Loan Amount | $20,000 |
Maximum Term | up to 5 years |
APR* | As low as 9.25% |
Example payment on $1,000 at 9.25% for 3 years – $31.92 per month | |
Credit Rebuilder Loan |
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Minimum Loan Amount | $300 |
Maximum Loan Amount | $1,000 |
Maximum Term | 12 months |
APR* | Contact the Credit Union for more information |
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% |
Home Loans
Mortgage & Home Equity LoanFirst Mortgage |
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Loan Type | APR* as low as | |
66 month Balloon | Call or click for rates | |
7 yr Balloon | Call or click for rates | |
10 yr Balloon | Call or click for rates | |
5 yr Fixed | Call or click for rates | |
10 yr Fixed | Call or click for rates | |
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 rates are for principal residence only. 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.
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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 | 7.50% | $200.38 per month |
10 yr Fixed | 7.75% | $120.02 per month |
15 yr Fixed | 8.00% | $95.57 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.
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Vacant Land |
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Loan Type | APR* as low as | Example payment on $10,000 |
5 yr Fixed | 7.50% | $200.38 per month |
10 yr Fixed | 7.75% | $120.02 per month |
15 yr Fixed | 8.00% | $95.57 per month |
7 yr Balloon | 7.75% | $155.87 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.
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Estimating Closing Costs |
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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) |
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Loan Type | Home Equity Line of Credit (HELOC) |
Maximum Loan Amount | $150,000 |
Maximum Terms | 10 year draw 10 year repay |
APR*- Variable | As low as 8.25% Max rate 14.00% |
Credit Card
MasterCard or American Express |
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APR* – Variable |
Varies based on card type |
Please click here for more information regarding our Credit Card program. |
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Cardmember Services #
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Consumer Elan Cards: 800.558.3424 Business Elan Cards: 866.552.8855 |