Statement Delays: Due to mailing delays with the United States Postal Service (USPS), the January Visa and Flex HELOC statements have been delayed. If you haven’t received your statement yet and need to verify the amount of your next payment or make a payment, please log into your account with Mobile or Online Banking. To avoid future mailing delays, you may also sign up for E-statements in Advantages Online™.

Rates effective 2/1/2023. All terms are approximate. APR=Annual Percentage Rate.

Have Questions? Need Help? Please call 800.288.6423 Ext. 4001.

Auto Loans*

2020 and Newer Models (new or used)
Loan TermAPR as low asDaily Periodic Rate
up to 36 Months3.99%0.010932%
37 to 60 Months4.99%0.013671%
61 to 72 Months5.49%0.015041%
73 to 84 Months
(term is only for 2022 and newer)
5.99%0.016411%
2016 to 2019 Models
Loan TermAPR as low asDaily Periodic Rate
up to 36 Months5.24%0.014356%
37 to 60 Months5.49%0.015041%
2015 and Older Models
Loan TermAPR as low asDaily Periodic Rate
up to 36 Months7.99%0.021890%
37 to 60 Months8.99%0.024630%

Motorcycle Loans*

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

2020 and Newer Models (new or used)
Loan TermAPR As Low AsDaily Periodic Rate
Up to 60 months7.99%0.021890%
61 to 72 months8.24%0.022575%
2022 and Newer Models
Loan TermAPR As Low AsDaily Periodic Rate
73 to 84 months8.74%0.023945%
2016 to 2019 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 48 months8.99%0.024630%

Boat Loans*

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

2020 and Newer Models (new or used)
Loan TermAPR As Low AsDaily Periodic Rate
Up to 36 months7.99%0.021890%
37 to 60 months8.49%0.023260%
61 to 72 months8.99%0.024630%
2022 and Newer Models
Loan TermAPR As Low AsDaily Periodic Rate
73 to 84 months9.99%0.027370%
85 to 96 months11.49%0.031479%
97 to 120 months12.49%0.034219%
2016 to 2019 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 36 months8.24%0.022575%
37 to 60 months8.49%0.023260%

Recreational Vehicle Loans*

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

2020 and Newer Models (new or used)
Loan TermAPR As Low AsDaily Periodic Rate
Up to 36 months7.49%0.020521%
37 to 60 months7.99%0.021890%
61 to 72 months8.49%0.023260%
73 to 84 months8.74%0.023945%
2022 and Newer Models (new or used)
Loan TermAPR As Low AsDaily Periodic Rate
85 to 96 months8.99%0.024630%
97 to 120 months9.49%0.026000%
2016 to 2019 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 36 months8.24%0.022575%
37 to 60 months8.49%0.023260%

Home Equity Fixed Rate Term Loans *1

Up to 90% LTV
Loan TermAPR As Low As
Up to 60 months25.49%
61 to 120 months5.74%
121 to 180 months5.99%
181 to 240 months6.24%
91% to 100% LTV (1st or 2nd lien)
Loan TermAPR As Low As
Up to 60 months37.49%
61 to 120 months7.99%
121 to 180 months8.49%
181 to 240 months8.99%

1. Add 0.25% APR for voluntary escrow on first lien HE term loan
2. Monthly payments for each $1,000 borrowed at 5.49% APR for 60 months would be $19.10.
3. Monthly payments for each $1,000 borrowed at 7.49% APR for 60 months would be $20.03.

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

Flex HELOC (Home Equity Line of Credit) & Flex HELOC Visa® Card
LoanAnnual Percentage RateDaily Periodic Rate
Introductory Rate3.99%40.010932%

Regular rate as low as Prime Rate (variable rate) minus .50%

No annual fee, no application fees or closing costs5

Home Equity Loans and Lines of Credit

Home 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. 4. The 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 variable regular 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 rates will vary and may adjust quarterly without notice. Maximum lifetime interest rate will not exceed 18% APR. 5. You 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 located in SC, an attorney must assist with your real estate closing and may charge fees. An early closing 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

Save as much as $1,000 or more on closing costs6

6. In the savings example shown for an average loan of $200,000, waiving the origination fee amounts to a savings of $1,000. This is a limited time offer and subject to change without notice. The mortgage origination fee will be waived for members who complete a mortgage application and loan closing.

100% Share Secured Loan*

100% Share Secured Loans*
Loan TermAPR As Low AsDaily Periodic Rate
Up to 36 Months2.99%0.008192%
36 Month Maximum for loans under $5,000  
37 to 60 Months3.24%0.008877%

CD Secured Loan

CD Secured Loans

2% above CD rate, with matching term.

Credit Cards

Credit Cards
Card TypeAnnual Percentage RateDaily Periodic Rate
Visa® Power Card™8.99% to 17.99%7.02463% to .04929%
Share Secured Visa Power Card™7.00%8
(Variable)
.01918%
7. Rate is based on an evaluation of credit-worthiness criteria. Actual rate may differ. 8. 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 2/1/2023.

Personal / Signature Loan*

Personal / Signature Loan*
Loan TermAPR As Low AsDaily Periodic Rate
Up to 36 months9.49%0.026000%
37 to 60 months10.49%0.028740%

Personal Line of Credit

Personal Line of Credit
LoanAnnual Percentage RateDaily Periodic Rate
Personal Line of Credit9.45%9.025890%
9. Annual percentage rate (“APR”) is based on the Wall Street Journal Prime Rate (“index”) plus 2.45% (“margin”), and is subject to change quarterly on the first day of January, April, July, and October based on the index value 30 days preceding any change. APR will not exceed 18%. Rate shown as of 1/1/2023.

Student Loans

Student Loans
Private Student LoansFor current rates, click here.
Student Loan Refinance ProgramFor current rates, click here.

*Our lowest rates are based on opening and maintaining an active Rewards Checking or Rewards Checking PLUS account (at least one transaction per month) and an evaluation of applicant’s credit. Exclusions apply, not all loan types are eligible for the .25% rate reduction, see credit union for details. Actual rate may differ based on credit-worthiness criteria.

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