Sub-menu


Have questions? Need help? Call 800-288-6423
 

UECU.org | Current UECU Loan Rates

Rates effective 7/1/2017. All terms are approximate. APR = Annual Percentage Rate.

 

New/Used Auto Loan *

Special loan rates as low as 1.74% APR when you use the UECU Car Buying Service, powered by TRUECar®.

Loan Term APR As Low As Daily Periodic Rate
Up to 100% of retail value or selling price, whichever is lower.

 

2014 and Newer Models (new or used)

Up to 36 months 1.99% .005452%
37 to 60 months 2.49% .006822%
61 to 72 months 2.99% .008192%

 

2016 and Newer Models (new or used)

73 to 84 months 3.99% .010932%

 

2010 to 2013 Models

Up to 36 months 2.49% .006822%
Up to 60 months 2.99% .008192%

2010 and Older Models

Up to 36 months 5.49% .015041%
Up to 60 months 6.49% .017781%

Click here to apply for a loan

 

Home Equity Fixed Rate Term Loan *^

Loan Term APR As Low As
Up to 90% LTV
Up to 60 months1 2.99%
61 to 120 months 3.49%
121 to 180 months 3.99%
181 to 240 months 4.49%
 
91% to 100% LTV (1st or 2nd lien)
Up to 60 months2 4.99%
61 to 120 months 5.49%
121 to 180 months 5.99%
181 to 240 months 6.49%

1 Monthly payments for each $1,000 borrowed at 2.99% APR for 60 months would be $17.85.
2 Monthly payments for each $1,000 borrowed at 4.99% APR for 60 months would be $18.87.
^ Add 0.25% APR for voluntary escrow on first lien HE term loan

 

Flex HELOC (Home Equity Line of Credit) & Flex HELOC Visa® Card

  Annual Percentage Rate Daily Periodic Rate
Introductory Rate4 1.99% .005452%
90% or less LTV 4.00% .010959%
91% to 100% LTV 5.00% .013699%

4 Home Equity Line of Credit Introductory Rate is for the first 12 months.

Rates may vary and adjust quarterly based on the Wall Street Journal Prime Rate (Index) plus 0.0% APR (Margin) for up to 90% LTV; plus 1.0% APR (Margin) for 91 to 100% LTV. Maximum lifetime interest rate will not exceed 18% APR.

Home Equity Loans and Lines of Credit
100% maximum loan to value (LTV). Loan to Value (LTV) calculation is dependent upon the appraised value of your home. Home Equity products are not available in all states. Real estate must be first or second lien, 1-4 family owner-occupied residential property. You may be eligible for a no-cost loan; however, some fees may apply including an appraisal fee depending upon individual underwriting circumstances or fees imposed by third parties. Some states charge additional recording tax after approval for which you are responsible. If your home is located in SC, an attorney must assist with your real estate closing, and may charge fees. Early closing reimbursement fee of up to $400 will be assessed if Home Equity Loan or Line of Credit closed within the first 12 months after opening; up to $200 if closed during months 13 to 36. Homeowners insurance is required. Flood insurance required for properties designated in flood zones. Consult your tax advisor regarding interest deductibility. Equal Opportunity Lender.

 

100% Share Secured Loan *

Loan Term APR As Low As Daily Periodic Rate
Up to 36 months 2.24% .006137%
36 Month Maximum for loans under $5000    
37 to 60 months 2.49% .006822%

Click here to apply for a loan

 

CD Secured Loan

2% above CD rate, with matching term

Click here to apply for a loan

 

Credit Cards

Click here to apply for a loan

Card Type Annual Percentage Rate Daily Periodic Rate
Visa Power Card™ 8.99%
    to
17.99%**
.02463%

.04929%

Share Secured Visa Power Card™ 4.00% .010959%
  (Variable)  

Click here to apply for a loan

** Rate is based on an evaluation of credit-worthiness criteria. Actual rate may differ.
Share Secured Power Card rate is based on Wall Street Journal Prime Rate ("index") plus 0.00% ("margin") and may vary and adjust accordingly. Share Secured Power Card is 100% share secured. Share Secured rate is quoted as of 6/16/2017.

 

Motorcycle Loan *

Loan Term APR As Low As Daily Periodic Rate
Up to 100% of retail value or selling price, whichever is lower.
2016 and Newer Models (new or used)
Up to 60 months 4.24% .011616%

61 to 72 months

4.49% .012301%
2014 to 2015 Models
Up to 60 months 4.74% .012986%
2010 to 2013 Models
Up to 48 months 5.74% .015726%

Click here to apply for a loan

 

Boat Loans*

Loan Term APR As Low As Daily Periodic Rate
Up to 100% of retail value or selling price, whichever is lower.
2016 and Newer Models (new or used)
Up to 60 months 4.99% .013671%
61 to 84 months 5.49% .015041%

2014 to 2015 Models

Up to 60 months 5.74% .015726%
61 to 72 months 5.99% .016411%

2010 to 2013 Models

Up to 60 months 6.49% .017781%

Click here to apply for a loan

Recreational Vehicle Loans*

Loan Term APR As Low As Daily Periodic Rate
Up to 100% of retail value or selling price, whichever is lower.
2014 and Newer Models (new or used)
Up to 60 months 5.99% .016411%
61 to 72 months 6.24% .017096%

2016 and Newer Models (new or used)

73 to 84 months 5.74% .015726%
 

2010 to 2013 Models

Up to 48 months 6.49% .017781%
49 to 60 months 6.74% .018466%

Click here to apply for a loan

Personal/Signature Loan *

Loan Term APR As Low As Daily Periodic Rate
Up to 36 months 6.24% .017096%
37 to 60 months 7.24% .019836%

Click here to apply for a loan

Personal Line of Credit

Loan Annual Percentage Rate Daily Periodic Rate
Personal Line of Credit 9.00% .024658%

Click here to apply for a loan

 

Rate is based on Wall Street Journal Prime Rate ("index") plus 2.45% APR ("margin"). Subject to a floor rate of 9.00% APR.
Rate may vary and adjust quarterly January 15th, April 15th, July 15th, and October 15th to reflect any change in the index. Rate shown as of 4/15/2017.

Student Loans

 
Private Student Loans For current rates, click here.
Student Loan Refinance Program For current rates, click here.

 

* Our lowest rates are based on opening and maintaining any active UECU checking account (at least one transaction per month) and an evaluation of applicant's credit. Actual rate may differ based on credit-worthiness criteria.

Product offers, rates, terms, and other information provided herein are subject to change without notice.