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 March 1, 2023
Fees could reduce earnings

Savings Accounts

Savings Plus, Special Savings, Christmas Club, Vacation Club
Dividend Rate 0.05%
APY** – Variable 0.05%

 

Money Maker Savings Account
Average Daily Balance APY**Variable
$100 – $2,499 0.55%
$2,500 – $24,999 0.65%
$25,000 – $49,999 0.75%
$50,000 – $99,999 0.85%
$100,000 and up 0.95%

 

Money Maker PLUS Savings Account

E-Statements and Debit Card required to earn this rate. 
Average Daily Balance APY**Variable
$1,000 – $49,999 0.85%
$50,000 – $99,999 0.95%
$100,000 -$499,999 1.05%
$500,000 and up 1.15%

Health Savings Account
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
Interest Rate 0.22%
APY** – Variable 0.22%

Checking

Rates effective as of March 1, 2023
Fees could reduce earnings

UFirst Cash Rewards Checking

Must meet monthly requirements to qualify for rate listed below.
Based on Average Daily Balance of : APY**
Variable
$0 – $10,000 5.00%
$10,001 and up 0.00%

 

Investments

Rates effective as of March 1, 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%
No Jumbo Rate offered for CD Specials

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.
Term Minimum Investment Interest Rate APY**
6 month
4H or FFA CD		 Amount of 4H or FFA Check
Max $5,000		 3.44% 3.50%
6 month
Youth
age 0-21		 $100 – $2,000 3.92% 4.00%
Choose Your Term: 7, 13 or 19 month
1 per member		 $500 or more 4.16% 4.25%
Hometown Hero 6 month $250 or more 2.23% 2.25%
Hometown Hero 18 month $250 or more 2.57% 2.60%
6 month $500 or more 1.98% 2.00%
12 month $500 or more 2.23% 2.25%
12 month Save to Win $25 or more 2.23% 2.25%
18 month $500 or more 2.32%
 2.35%
20 month: Step Up CD $500 or more 2.47% 2.50%
24 month $500 or more 2.52% 2.55%
36 month: Safe Parking $500 or more
Withdraw 50% with no penalty		 2.76% 2.80%
48 month $500 or more
 3.20%
 3.25%
60 month $500 or more 3.44%
 3.50%
       
39 Month Special – Double Step Up NO NEW CDS ALLOWED 2.86% 2.90%

 

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%

Consumer Loans

Rates effective as of March 1, 2023

New & Used Automobile Loans
Loan Type NEW & USED
Auto, Pickup, Van
Maximum Loan Amount Purchase Price of vehicle
Maximum Term up to 7 years
APR* As low as 5.75% °
Example payment on $10,000 at 5.75% for 5 years – $192.19 per month
5.75% 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 6.00% °
Example payment on $10,000 at 6.00% for 5 years – $193.35 per month
6.00% 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 $20,000
Maximum Term up to 5 years
APR* As low as 9.00%
Example payment on $1,000 at 9.00% for 3 years – $31.81 per month

 

Credit Rebuilder Loan
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
Minimum Loan Amount $500
Maximum Loan Amount $5,000
Maximum Term Open-Ended
APR* As low as 14.90%

Home Loans

Mortgage & Home Equity Loan

First Mortgage
(up to 97% financing)
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.
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 5.875% $192.73 per month
10 yr Fixed 6.125% $111.67 per month
15 yr Fixed 6.375% $86.45 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 6.125% $193.92 per month
10 yr Fixed 6.375% $112.93 per month
15 yr Fixed 6.625% $87.82 per month
7 yr Balloon 6.375% $147.90 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 7.50%
Max rate 14.00%

 

Credit Card

MasterCard or American Express

APR* – Variable

Varies based on card type

 Please click here for more information regarding our Credit Card program. 

Cardmember Services #

 

 Consumer Elan Cards: 800.558.3424
Business Elan Cards: 866.552.8855