Rates effective 6/1/2023. 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 Term | APR as low as | Daily Periodic Rate |
up to 36 Months | 4.49% | 0.012301% |
37 to 60 Months | 5.49% | 0.015041% |
61 to 72 Months | 5.99% | 0.016411% |
73 to 84 Months (term is only for 2023 and newer) | 6.49% | 0.017781% |
2016 to 2019 Models
Loan Term | APR as low as | Daily Periodic Rate |
up to 36 Months | 5.74% | 0.015726% |
37 to 60 Months | 5.99% | 0.016411% |
2015 and Older Models
Loan Term | APR as low as | Daily Periodic Rate |
up to 36 Months | 8.49% | 0.023260% |
37 to 60 Months | 9.49% | 0.026000% |
Motorcycle Loans*
Up to 100% of retail value or selling price, whichever is lower.
2020 and Newer Models (new or used)
Loan Term | APR As Low As | Daily Periodic Rate |
Up to 60 months | 8.49% | 0.022575% |
61 to 72 months | 8.74% | 0.023260% |
2023 and Newer Models
Loan Term | APR As Low As | Daily Periodic Rate |
73 to 84 months | 9.24% | 0.024630% |
2016 to 2019 Models
Loan Term | APR As Low As | Daily Periodic Rate |
Up to 48 months | 9.49% | 0.025315% |
Boat Loans*
Up to 100% of retail value or selling price, whichever is lower.
2020 and Newer Models (new or used)
Loan Term | APR 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% |
2023 and Newer Models
Loan Term | APR As Low As | Daily Periodic Rate |
73 to 84 months | 10.49% | 0.028840% |
85 to 96 months | 11.99% | 0.032850% |
97 to 120 months | 12.99% | 0.035590% |
2016 to 2019 Models
Loan Term | APR As Low As | Daily Periodic Rate |
Up to 36 months | 8.74% | 0.023945% |
37 to 60 months | 8.99% | 0.024630% |
Recreational Vehicle Loans*
Up to 100% of retail value or selling price, whichever is lower.
2020 and Newer Models (new or used)
Loan Term | APR 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% |
73 to 84 months | 9.24% | 0.025315% |
2023 and Newer Models (new or used)
Loan Term | APR As Low As | Daily Periodic Rate |
85 to 96 months | 9.49% | 0.026000% |
97 to 120 months | 9.99% | 0.027370% |
2016 to 2019 Models
Loan Term | APR As Low As | Daily Periodic Rate |
Up to 36 months | 8.74% | 0.023945% |
37 to 60 months | 8.99% | 0.024630% |
Home Equity Fixed Rate Term Loans *1
Up to 90% LTV
Loan Term | APR As Low As |
Up to 60 months2 | 5.99% |
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 | APR As Low As |
Up to 60 months3 | 7.99% |
61 to 120 months | 8.49% |
121 to 180 months | 8.99% |
181 to 240 months | 9.49% |
1. Add 0.25% APR for voluntary escrow on first lien HE term loan
2. Monthly payments for each $1,000 borrowed at 5.99% APR for 60 months would be $19.33.
3. Monthly payments for each $1,000 borrowed at 7.99% APR for 60 months would be $20.27.
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 Rate | 3.99%4 | 0.010932% |
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 Term | APR As Low As | Daily Periodic Rate |
Up to 36 Months | 2.74% | 0.007507% |
36 Month Maximum for loans under $5,000 | ||
37 to 60 Months | 2.99% | 0.008192% |
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%7 | .02463% to .04929% |
Share Secured Visa Power Card™ | 7.75%8 (Variable) | .021232% |
Personal / Signature Loan*
Personal / Signature Loan*
Loan Term | APR 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
Personal Line of Credit
Loan | Annual Percentage Rate | Daily Periodic Rate |
Personal Line of Credit | 10.20%9 | .027945% |
Student Loans
Student 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. |
*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.