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Other

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.95%
Up to 48 Months All Years** 4.00%
Up to 60 Months All Years** 4.15%
Up to 72 Months 2014 or Newer** 4.55%
Up to 84 Months 2016 or Newer 5.05%
1APR = Annual Percentage Rate. The base APR available varies from 4.30% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 5.90%
$15,000 to $24,999 144 months 6.00%
$0 to $14,999 84 months 6.20%
1APR = Annual Percentage Rate. The base APR available varies from 6.50% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 5.00%
Up to 60 Months All Years** 5.15%
Up to 72 Months 2014 or Newer** 5.55%
Up to 84 Months 2016 or Newer 6.05%
1APR = Annual Percentage Rate. The base APR available varies from 5.35% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 6.00%
80% or Less Less than $25,000 120 months 6.50%
Above 80% Any Amount 120 months 7.25%
1APR = Annual Percentage Rate.

*Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 6.25% APR and 14.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

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Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.55%
80% or Less 120 Months 5.75%
80% or Less 180 Months 6.00%
Above 80% 120 Months 7.70%
Above 80% 180 Months 8.45%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.80% APR. Rates as high as 14.70% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

Arkansas

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.64%
Up to 48 Months All Years** 3.69%
Up to 60 Months All Years** 3.84%
Up to 72 Months 2014 or Newer** 4.14%
Up to 84 Months 2016 or Newer 4.84%
1APR = Annual Percentage Rate. The base APR available varies from 3.99% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 4.90%
$15,000 to $24,999 144 months 5.00%
$0 to $14,999 84 months 5.20%
1APR = Annual Percentage Rate. The base APR available varies from 5.50% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 4.69%
Up to 60 Months All Years** 4.84%
Up to 72 Months 2014 or Newer** 5.14%
Up to 84 Months 2016 or Newer 5.84%
1APR = Annual Percentage Rate. The base APR available varies from 5.04% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 5.75%
80% or Less Less than $25,000 120 months 6.25%
Above 80% Any Amount 120 months 7.00%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 6.00% APR and 13.75% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.30%
80% or Less 120 Months 5.50%
80% or Less 180 Months 5.75%
Above 80% 120 Months 7.45%
Above 80% 180 Months 8.20%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.55% APR. Rates as high as 14.45% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

Indiana

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.95%
Up to 48 Months All Years** 4.00%
Up to 60 Months All Years** 4.15%
Up to 72 Months 2014 or Newer** 4.55%
Up to 84 Months 2016 or Newer 5.05%
1APR = Annual Percentage Rate. The base APR available varies from 4.30% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 5.09%
$15,000 to $24,999 144 months 5.19%
$0 to $14,999 84 months 5.39%
1APR = Annual Percentage Rate. The base APR available varies from 5.69% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 5.00%
Up to 60 Months All Years** 5.15%
Up to 72 Months 2014 or Newer** 5.55%
Up to 84 Months 2016 or Newer 6.05%
1APR = Annual Percentage Rate. The base APR available varies from 5.35% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 5.50%
80% or Less Less than $25,000 120 months 6.00%
Above 80% Any Amount 120 months 6.75%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 5.75% APR and 13.50% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.05%
80% or Less 120 Months 5.25%
80% or Less 180 Months 5.50%
Above 80% 120 Months 7.20%
Above 80% 180 Months 7.95%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.30% APR. Rates as high as 14.20% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

Michigan

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.55%
Up to 48 Months All Years** 3.60%
Up to 60 Months All Years** 3.75%
Up to 72 Months 2014 or Newer** 3.95%
Up to 84 Months 2016 or Newer 4.50%
1APR = Annual Percentage Rate. The base APR available varies from 3.90% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 4.74%
$15,000 to $24,999 144 months 4.84%
$0 to $14,999 84 months 5.04%
1APR = Annual Percentage Rate. The base APR available varies from 5.34% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 4.60%
Up to 60 Months All Years** 4.75%
Up to 72 Months 2014 or Newer** 4.95%
Up to 84 Months 2016 or Newer 5.50%
1APR = Annual Percentage Rate. The base APR available varies from 4.95% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 5.50%
80% or Less Less than $25,000 120 months 6.00%
Above 80% Any Amount 120 months 6.75%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 5.70% APR and 13.50% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.05%
80% or Less 120 Months 5.25%
80% or Less 180 Months 5.50%
Above 80% 120 Months 7.20%
Above 80% 180 Months 7.95%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.30% APR. Rates as high as 14.20% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

Nevada

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.55%
Up to 48 Months All Years** 3.60%
Up to 60 Months All Years** 3.75%
Up to 72 Months 2014 or Newer** 4.25%
Up to 84 Months 2016 or Newer 4.95%
1APR = Annual Percentage Rate. The base APR available varies from 3.90% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 5.49%
$15,000 to $24,999 144 months 5.59%
$0 to $14,999 84 months 5.79%
1APR = Annual Percentage Rate. The base APR available varies from 6.09% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 4.60%
Up to 60 Months All Years** 4.75%
Up to 72 Months 2014 or Newer** 5.25%
Up to 84 Months 2016 or Newer 5.95%
1APR = Annual Percentage Rate. The base APR available varies from 4.95% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 6.00%
80% or Less Less than $25,000 120 months 6.50%
Above 80% Any Amount 120 months 7.25%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 6.25% APR and 14.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.55%
80% or Less 120 Months 5.75%
80% or Less 180 Months 6.00%
Above 80% 120 Months 7.70%
Above 80% 180 Months 8.45%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.80% APR. Rates as high as 14.70% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

North Carolina

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.34%
Up to 48 Months All Years** 3.39%
Up to 60 Months All Years** 3.54%
Up to 72 Months 2014 or Newer** 4.29%
Up to 84 Months 2016 or Newer 4.89%
1APR = Annual Percentage Rate. The base APR available varies from 3.69% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 5.90%
$15,000 to $24,999 144 months 6.00%
$0 to $14,999 84 months 6.20%
1APR = Annual Percentage Rate. The base APR available varies from 6.50% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 4.39%
Up to 60 Months All Years** 4.54%
Up to 72 Months 2014 or Newer** 5.29%
Up to 84 Months 2016 or Newer 5.89%
1APR = Annual Percentage Rate. The base APR available varies from 4.74% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 5.50%
80% or Less Less than $25,000 120 months 6.00%
Above 80% Any Amount 120 months 6.75%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 5.75% APR and 13.50% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.05%
80% or Less 120 Months 5.25%
80% or Less 180 Months 5.50%
Above 80% 120 Months 7.20%
Above 80% 180 Months 7.95%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.30% APR. Rates as high as 14.20% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

Ohio

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.70%
Up to 48 Months All Years** 3.75%
Up to 60 Months All Years** 3.90%
Up to 72 Months 2014 or Newer** 4.10%
Up to 84 Months 2016 or Newer 4.65%
1APR = Annual Percentage Rate. The base APR available varies from 4.05% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 4.80%
$15,000 to $24,999 144 months 4.90%
$0 to $14,999 84 months 5.10%
1APR = Annual Percentage Rate. The base APR available varies from 5.40% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 4.75%
Up to 60 Months All Years** 4.90%
Up to 72 Months 2014 or Newer** 5.10%
Up to 84 Months 2016 or Newer 5.65%
1APR = Annual Percentage Rate. The base APR available varies from 5.10% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 5.50%
80% or Less Less than $25,000 120 months 6.00%
Above 80% Any Amount 120 months 6.75%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 5.75% APR and 13.50% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.05%
80% or Less 120 Months 5.25%
80% or Less 180 Months 5.50%
Above 80% 120 Months 7.20%
Above 80% 180 Months 7.95%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.30% APR. Rates as high as 14.20% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

Oklahoma

Fixed Rate New & Used Auto Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 36 Months All Years** 3.64%
Up to 48 Months All Years** 3.69%
Up to 60 Months All Years** 3.84%
Up to 72 Months 2014 or Newer** 4.14%
Up to 84 Months 2016 or Newer 4.84%
1APR = Annual Percentage Rate. The base APR available varies from 3.99% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate New & Used RV and Boat Loans

Effective Date: May 08, 2019
Amount Maximum Term APR1 As Low As*
$25,000+ 180 months 4.90%
$15,000 to $24,999 144 months 5.00%
$0 to $14,999 84 months 5.20%
1APR = Annual Percentage Rate. The base APR available varies from 5.50% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 5.50% APR for 180 months equals $408.60 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from a UFCU checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans

Effective Date: May 08, 2019
Term Vehicle Model Years APR1 As Low As*
Up to 48 Months All Years** 4.69%
Up to 60 Months All Years** 4.84%
Up to 72 Months 2014 or Newer** 5.14%
Up to 84 Months 2016 or Newer 5.84%
1APR = Annual Percentage Rate. The base APR available varies from 5.04% APR to 18.00% APR depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. **A 0.50% premium will be added to model years 2014 and older.

Fixed Rate Other Vehicle Loans

Effective Date: May 08, 2019
Minimum Amount APR1 As Low As*
$1,000 8.39%
1APR = Annual Percentage Rate. The base APR available varies from 8.99% APR to 18.00% APR depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply.

Home Equity Line of Credit (HELOC)

Effective Date: May 08, 2019
Loan-to-Value Loan Amount Term APR1 As Low As*
80% or Less $25,000 and above 120 months 5.75%
80% or Less Less than $25,000 120 months 6.25%
Above 80% Any Amount 120 months 7.00%
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates vary between 6.00% APR and 13.75% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates include 0.25% discount with automatic payment from a UFCU checking account. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

Home Equity Closed End, Fixed Rate Loans

Effective Date: May 08, 2019
Loan-to-Value Maximum Term APR1 As Low As*
80% or Less 60 Months 5.30%
80% or Less 120 Months 5.50%
80% or Less 180 Months 5.75%
Above 80% 120 Months 7.45%
Above 80% 180 Months 8.20%
1APR = Annual Percentage Rate. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Rates include 0.25% discount with automatic payment from a UFCU checking account. Rates as low as 5.55% APR. Rates as high as 14.45% APR. Example Payment: 120 monthly payments of $10.85 per $1,000 borrowed, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required.

Credit Cards

Effective Date: May 08, 2019
Card Type Minimum Payment Variable APR1*
Visa U First 2% of Balance As low as 0.00% intro APR for first 6 months.2 After that, variable rates as low as 9.99%-18.00% APR3
Visa U Rewards 2% of Balance Variable rates as low as 12.99%-18.00% APR3
1APR = Annual Percentage Rate. 2Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and balance transfers is only available for new U First credit cards. 3Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. Foreign transaction fee of 1% of each transaction in U.S. dollars if the transaction does or does not involve a currency conversion.

Savings Secured

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Secured Up to 60 Months 4.50%
1APR = Annual Percentage Rate. Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%
1APR = Annual Percentage Rate. Payment Example: $3000 at 7.30% APR for 36 months equals $93.06 per month

Unsecured Loans

Effective Date: May 08, 2019
Loan Types Term APR1 As Low As*
Fixed Rate Signature Up to 60 Months 11.39%
Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month. 1APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance.

Effective Date: May 08, 2019
Loan Types Minimum Payment APR1 As Low As*
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.24%
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.00% APR for 36 months equals $104.04 1APR = Annual Percentage Rate.

STUDENT LOANS

Effective Date: January 1, 2019
Now Offering
PRIVATE STUDENT LOANS
We are pleased to offer Private Student Loans through Student Choice. Click here for information and to apply for a loan.
FEDERAL LOANS
Effective July 1, 2010, the Federal Government is the sole lender on Stafford loans. All schools offer these loans direct from the Government (Direct Stafford loan). Please contact your school's Financial Aid Office for information on Stafford Loan options or click here.
If you currently have a loan through Great Lakes Higher Education Corporation you may still access your account by clicking here or going to http://www.mygreatlakes.org/

Click here to view our Truth-In-Lending Home Equity Line of Credit Disclosure.

APR = Annual Percentage Rate

Loan rates may vary based on terms and member's credit profile as determined by UFCU. Loans subject to credit review. Rates accurate as of today and are subject to change without notice.

UFCU Routing Number: 272484894

Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.