Exciting News! Membership is now open to Pennsylvania residents.Learn more >>

Rates effective 5/1/2021. All terms are approximate. APR=Annual Percentage Rate.

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

Auto Loans*

Get an additional .25% off your lowest qualifying auto loan rate with our TrueCar Discount. For details, click here.

2018 and Newer Models (new or used)
Loan TermAPR as low asDaily Periodic Rate
up to 36 Months1.99%0.005452%
37 to 60 Months2.49%0.006822%
61 to 72 Months2.99%0.008192%
73 to 84 Months
(term is only for 2020 and newer)
3.49%0.009562%
2014 to 2017 Models
Loan TermAPR as low asDaily Periodic Rate
up to 36 Months2.24%0.006137%
37 to 60 Months2.74%0.007507%
2013 and Older Models
Loan TermAPR as low asDaily Periodic Rate
up to 36 Months5.99%0.016411%
37 to 60 Months6.99%0.019151%

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 months4.74%0.012986%
61 to 72 months4.99%0.013671%
2018 to 2019 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 60 months5.24%0.014356%
2014 to 2017 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 48 months6.24%0.017096%

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 60 months5.49%0.015041%
61 to 84 months5.99%0.016411%
2018 to 2019 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 60 months6.24%0.017096%
61 to 72 months6.49%0.017781%
2014 to 2017 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 60 months6.99%0.019151%

Recreational Vehicle Loans*

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

2018 and Newer Models (new or used)
Loan TermAPR As Low AsDaily Periodic Rate
Up to 60 months6.24%0.017096%
61 to 72 months6.49%0.017781%
2020 and Newer Models (new or used)
Loan TermAPR As Low AsDaily Periodic Rate
73 to 84 months6.74%0.018466%
2014 to 2017 Models
Loan TermAPR As Low AsDaily Periodic Rate
Up to 48 months6.99%0.019151%
49 to 60 months7.24%0.019836%

Home Equity Fixed Rate Term Loans *1

Up to 90% LTV
Loan TermAPR As Low As
Up to 60 months22.99%
61 to 120 months3.24%
121 to 180 months3.49%
181 to 240 months3.74%
91% to 100% LTV (1st or 2nd lien)
Loan TermAPR As Low As
Up to 60 months34.99%
61 to 120 months5.49%
121 to 180 months5.99%
181 to 240 months6.49%

1. Add 0.25% APR for voluntary escrow on first lien HE term loan
2. Monthly payments for each $1,000 borrowed at 2.99% APR for 60 months would be $17.97.
3. Monthly payments for each $1,000 borrowed at 4.99% APR for 60 months would be $18.87.

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 Rate2.49%40.006822%

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 Months2.74%0.007507%
36 Month Maximum for loans under $5,000  
37 to 60 Months2.99%0.008192%

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™3.25%8
(Variable)
.008904%
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 5/1/2021.

Personal / Signature Loan*

Personal / Signature Loan*
Loan TermAPR As Low AsDaily Periodic Rate
Up to 36 months6.74%0.018466%
37 to 60 months7.74%0.021205%

Personal Line of Credit

Personal Line of Credit
LoanAnnual Percentage RateDaily Periodic Rate
Personal Line of Credit5.70%9.015616%
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 4/1/2021.

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 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.