Auto Loans
Apply2022 and Newer Models (new or used)
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| up to 36 Months | 4.24% | 0.011616% |
| 37 to 60 Months | 4.99% | 0.013671% |
| 61 to 72 Months | 5.49% | 0.015041% |
2024 and Newer
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| 73 to 84 months | 5.99% | 0.016411% |
2019 to 2021 Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| up to 36 Months | 5.24% | 0.014356% |
| 37 to 60 Months | 5.49% | 0.015041% |
2018 and Older Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| up to 36 Months | 7.99% | 0.021890% |
| 37 to 60 Months | 8.99% | 0.024630% |
Motorcycle Loans
Apply2023 and Newer Models (new or used)
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 60 months | 7.99% | 0.021890% |
| 61 to 72 months | 8.24% | 0.022575% |
2026 and Newer Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| 73 to 84 months | 8.74% | 0.023945% |
2019 to 2022 Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 48 months | 8.99% | 0.024630% |
Adventure Sports Vehicle Loans
Apply2023 and Newer (new or used)
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 8.24% | .022575% |
| 37 to 60 months | 8.99% | .024630% |
2019 to 2022 Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 8.74% | .023945% |
| 37 to 48 months | 9.24% | .025315% |
Boat Loans
Apply2023 and Newer Models (new or used)
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 7.99% | 0.021890% |
| 37 to 60 months | 8.49% | 0.023260% |
| 61 to 72 months | 8.99% | 0.024630% |
2026 and Newer Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| 73 to 84 months | 9.99% | 0.027370% |
| 85 to 96 months | 11.49% | 0.031479% |
| 97 to 120 months | 12.49% | 0.034219% |
2019 to 2022 Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 8.24% | 0.022575% |
| 37 to 60 months | 8.49% | 0.023260% |
Travel Home Loans
Apply2023 and Newer Models (new or used)
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 7.49% | 0.020521% |
| 37 to 60 months | 7.99% | 0.021890% |
| 61 to 72 months | 8.49% | 0.023260% |
| 73 to 84 months | 8.74% | 0.023945% |
2026 and Newer Models (new or used)
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| 85 to 96 months | 8.99% | 0.024630% |
| 97 to 120 months | 9.49% | 0.026000% |
2019 to 2022 Models
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 8.24% | 0.022575% |
| 37 to 60 months | 8.49% | 0.023260% |
Home Equity Fixed Rate Term Loans
ApplyUp to 90% LTV
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As |
|---|---|
| Up to 60 months | 5.74% |
| 61 to 120 months | 6.24% |
| 121 to 180 months | 6.49% |
| 181 to 240 months | 6.74% |
91% to 100% LTV (1st or 2nd lien)
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As |
|---|---|
| Up to 60 months | 7.99% |
| 61 to 120 months | 8.49% |
| 121 to 180 months | 8.99% |
| 181 to 240 months | 9.49% |
Flex HELOC
ApplyFlex HELOC (Home Equity Line of Credit) & Flex HELOC Visa® Card1Home Equity products are not available in all states. Real estate must be first or second lien, 1-4 family owner-occupied residential property. Homeowners insurance is required. Flood insurance required for properties designated in flood zones. 100% maximum loan to value (LTV). LTV calculation is dependent upon the appraised value of your home.
| Loan | Annual Percentage Rate3Rates will vary based on an evaluation of credit, loan to value, and/or collateral evaluation if applicable. Not all applicants will qualify. Actual rate may differ. After approval, your regular variable rate is subject to change without notice. Rates for variable rate products will vary based on the Wall Street Journal Prime Rate (“index”) plus the “margin” above or below the index rate as disclosed in your loan agreement. Maximum lifetime interest rate will not exceed 18% APR. | Daily Periodic Rate |
|---|---|---|
| Introductory Rate4The Introductory Rate is a fixed rate for the first 12 months from the date of the loan. After 12 months, existing and new balances will be subject to the regular variable rate which is the Wall Street Journal Prime Rate (“index”) plus the “margin” above or below the index rate as disclosed in your loan agreement. Regular variable rates will vary and adjust without notice. | 5.24% | 0.014356% |
| Regular rate as low as WSJ Prime Rate (variable rate) minus .50% |
No annual fee, no application fees or closing costs2You may be eligible for a no-cost loan; however, some fees may apply including an appraisal fee or fees imposed by third parties. Some states charge an additional recording tax after loan origination for which you are responsible. If your home is in SC, an attorney must assist with your real estate closing and may charge fees. A closing cost reimbursement fee of up to $400 will be assessed if your Home Equity Line of Credit (“HELOC”) is closed within the first 12 months after opening; up to $200 if closed during months 13 to 36. Existing UECU HELOC accounts are not eligible to receive the introductory rate and are subject to modification or conversion fees. Offer subject to change and can be canceled or withdrawn at any time without notice.
Mortgages
Mortgage RatesSave as much as $1,000 or more on closing costs
Save as much as $1,000 or more on closing costs3An origination fee is generally a fee charged as a part of your closing costs. The origination fee will vary per financial institution and averages around 0.5% of the total loan amount. You will save on your closing costs up front when you finance with UECU because we do not charge an origination fee. Based on this average calculation, the example identifies the closing cost savings of $1,000 for a loan amount of $200,000 when you finance with UECU. This is a limited time offer and subject to change without notice.
100% Share Secured Loan
Apply100% Share Secured Loan
| Card Type | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 Months | 2.99% | 0.008192% |
| 36 Month Maximum for loans under $5,000 | ||
| 37 to 60 Months | 3.24% | 0.008877% |
CD Secured Loan
ApplyCD Secured Loan
2.00% above CD rate, with matching term.
Credit Cards
ApplyCredit Cards
| Card Type | Annual Percentage Rate3Rates will vary based on an evaluation of credit, loan to value, and/or collateral evaluation if applicable. Not all applicants will qualify. Actual rate may differ. After approval, your regular variable rate is subject to change without notice. Rates for variable rate products will vary based on the Wall Street Journal Prime Rate (“index”) plus the “margin” above or below the index rate as disclosed in your loan agreement. Maximum lifetime interest rate will not exceed 18% APR. | Daily Periodic Rate |
|---|---|---|
| Visa® Power Card™ | 8.75% to 18.00%7APR is based on an evaluation of creditworthiness. Actual rate may differ. Not all applicants will qualify for approval. Rate is variable, based on Wall Street Journal Prime Rate (“index”) plus or minus a margin, and may adjust on a monthly basis. Rate will not exceed 18%. Rate quoted as of 1/1/2026. | .023973% to .049315% |
| Share Secured Visa Power Card™ | 6.75% | .018493% |
Personal / Signature Loan
ApplyPersonal / Signature Loan
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 9.99% | 0.027370% |
| 37 to 60 months | 10.99% | 0.030110% |
Personal Line of Credit
ApplyPersonal Line of Credit
| Loan | Annual Percentage Rate3Rates will vary based on an evaluation of credit, loan to value, and/or collateral evaluation if applicable. Not all applicants will qualify. Actual rate may differ. After approval, your regular variable rate is subject to change without notice. Rates for variable rate products will vary based on the Wall Street Journal Prime Rate (“index”) plus the “margin” above or below the index rate as disclosed in your loan agreement. Maximum lifetime interest rate will not exceed 18% APR. | Daily Periodic Rate |
|---|---|---|
| Personal Line of Credit | 9.20% | 0.025201% |
Student Loans
ApplyStudent Loans
| Private Student Loans | For current rates, click here. |
|---|---|
| Student Loan Refinance Program | For current rates, click here. |
| Energy Trade School Loans | For details, click here. |
Work Equipment Loans
Apply2023 and Newer
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 8.49% | 0.023260% |
| 37 to 60 months | 8.99% | 0.024630% |
| 61 to 72 months | 9.49% | 0.026000% |
| 73 to 84 months | 9.74% | 0.026685% |
2026 and Newer
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| 85 to 96 months | 9.74% | 0.026685% |
| 97 to 120 months | 9.99% | 0.027370% |
2019 to 2022
| Loan Term | APR1Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. As Low As | Daily Periodic Rate |
|---|---|---|
| Up to 36 months | 8.99% | 0.024630% |
| 37 to 60 months | 9.49% | 0.026000% |