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Current UECU Loan Rates

Rates effective 3/16/2019. All terms are approximate. APR=Annual Percentage Rate.

New/Used Auto Loans*

 

2016 and Newer Models (new or used)

 

Loan Term APR as low as Daily Periodic Rate
up to 36 Months 2.74% 0.007507%
37 to 60 Months 3.24% 0.008877%
61 to 72 Months 3.74% 0.010247%
73 to 84 Months
(term is only for 2018 and newer)
4.74% 0.012986%

 

2012 to 2015 Models

 

Loan Term APR as low as Daily Periodic Rate
up to 36 Months 3.49% 0.009562%
37 to 60 Months 3.99% 0.010932%

 

2011 and Older Models
Loan Term APR as low as Daily Periodic Rate
up to 36 Months 6.24% 0.017096%
37 to 60 Months 7.24% 0.019836%

Motorcycle Loans*

Up to 100% of retail value or selling price, whichever is lower.

2018 and Newer Models (new or used)
Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 4.99% .013671%
61 to 72 months 5.24% .014356%
2016 to 2017 Models
Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 5.49% .015041%
2012 to 2015 Models
Loan Term APR As Low As Daily Periodic Rate
Up to 48 months 6.49% .017781%

Boat Loans*

Up to 100% of retail value or selling price, whichever is lower.

2018 and Newer Models (new or used)
Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 5.74% .015726%
61 to 84 months 6.24% .017096%
2016 to 2017 Models
Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 6.49% .017781%
61 to 72 months 6.74% .018466%
2012 to 2015 Models
Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 7.24% .019836%

Recreational Vehicle Loans*

Up to 100% of retail value or selling price, whichever is lower.

2016 and Newer Models (new or used)
Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 6.49% .017781%
61 to 72 months 6.74% .018466%
2018 and Newer Models (new or used)
Loan Term APR As Low As Daily Periodic Rate
73 to 84 months 6.99% .019151%
2012 to 2015 Models
Loan Term APR As Low As Daily Periodic Rate
Up to 48 months 7.24% .019836%
49 to 60 months 7.49% .020521%

Home Equity Fixed Rate Term Loans *^

Up to 90% LTV
Loan Term APR As Low As
 
Up to 60 months1 3.74%
61 to 120 months 4.24%
121 to 180 months 4.74%
181 to 240 months 5.24%
91% to 100% LTV (1st or 2nd lien)
Loan Term APR As Low As
 
Up to 60 months2 5.74%
61 to 120 months 6.24%
121 to 180 months 6.74%
181 to 240 months 7.24%

1 Monthly payments for each $1,000 borrowed at 3.24% APR for 60 months would be $18.08.
2 Monthly payments for each $1,000 borrowed at 5.24% APR for 60 months would be $18.98.
^ Add 0.25% APR for voluntary escrow on first lien HE term loan

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

 

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

 

Loan Annual Percentage Rate Daily Periodic Rate
Introductory Rate4 2.99% 0.008192%
90% or less LTV 5.50% 0.015068%
91% to 100% LTV 6.50% 0.017808%

 

 

 

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. Equal Opportunity Lender.

 

100% Share Secured Loan*

100% Share Secured Loans*
Loan Term APR 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

CD Secured Loans

2% above CD rate, with matching term.

Credit Cards

Credit Cards

 

 

 

 

Card Type Annual Percentage Rate Daily Periodic Rate
Visa® Power Card™ 8.99% to 17.99%** .02463% to .04929
Share Secured Visa Power Card™

5.50%**
(Variable)

.015068%

 

 

 

 

 

** 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 3/16/2019.

 

 

Personal / Signature Loan*

Personal / Signature Loan*
Loan Term APR As Low As Daily Periodic Rate
Up to 36 months 6.99% .019151%
37 to 60 months 7.99% .021890%

Personal Line of Credit

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

 

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 1/15/2019.

 

Student Loans

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.

At Utilities Employees Credit Union we are actively working to increase accessibility and usability of our website for every visitor in accordance with ADA standards and guidelines. If you are using an auxiliary aid or a screen reader and need assistance please visit our accessibility page and use the contact information to be connected to a UECU Representative.
All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.


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