Loan Rates

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)

2016 to 2019 Models

2015 and Older Models

Motorcycle Loans*

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

2020 and Newer Models (new or used)

2023 and Newer Models

2016 to 2019 Models

Boat Loans*

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

2020 and Newer Models (new or used)

2023 and Newer Models

2016 to 2019 Models

Recreational Vehicle Loans*

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

2020 and Newer Models (new or used)

2023 and Newer Models (new or used)

2016 to 2019 Models

Home Equity Fixed Rate Term Loans *¹

Up to 90% LTV

91% to 100% LTV (1st or 2nd lien)

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

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

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*

CD Secured Loan

CD Secured Loans

2% above CD rate, with matching term.

Credit Cards

Credit Cards

Personal / Signature Loan*

Personal / Signature Loan*

Personal Line of Credit

Personal Line of Credit

Student Loans

Student Loans

*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.