Find the Right Loan Rate for You

Disclosures:

1. Lowest 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.

2. 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 zone area. Mortgage and Home Equity products are not available in all states. Loan fees may apply, including fees imposed by third parties and/or state or county offices. Opening charges may apply, such as processing and appraisal fees. Aggregated opening charges generally range from $350 to $1,000 but may exceed this range based on fees imposed by third parties. If your home is located in SC, an attorney must assist with your real estate closing, and may charge fees. Members refinancing an existing UECU Home Equity product may be subject to modification or conversion fees. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval. Rate based on 90% loan to value (LTV) & 60-month term. Rate shown is our lowest rate which is based on an evaluation of credit and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rate will differ based on term, credit review and collateral evaluation.

3. Rates 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.

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 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. 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 zone area. Mortgage and Home Equity products are not available in all states. Loan fees may apply, including fees imposed by third parties and/or state or county offices. Opening charges may apply, such as processing and appraisal fees. Aggregated opening charges generally range from $350 to $1,000 but may exceed this range based on fees imposed by third parties. If your home is located in SC, an attorney must assist with your real estate closing, and may charge fees. Members refinancing an existing UECU Home Equity product may be subject to modification or conversion fees. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval.

6. An 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.

7. APR 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 8/1/2026.

8. Rates and information are subject to change at any time.