Please select your state to see rates for your particular location. Check back as rates are updated often.
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.60% |
Up to 48 Months | All Years** | 6.70% |
Up to 60 Months | All Years** | 6.85% |
Up to 72 Months | 2017 or Newer** | 7.15% |
Up to 84 Months | 2019 or Newer | 7.85% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 7.85% |
$15,000 to $24,999 | 144 months | 7.90% |
$0 to $14,999 | 84 months | 8.25% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.70% |
Up to 60 Months | All Years** | 7.85% |
Up to 72 Months | 2017 or Newer** | 8.15% |
Up to 84 Months | 2019 or Newer | 8.85% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 8.75% |
80% or Less | Less than $25,000 | 120 months | 9.25% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 8.80% |
80% or Less | 120 Months | 9.00% |
80% or Less | 180 Months | 9.20% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa U Boost | 2% of Balance or $20, whichever is greater | 17.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-17.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 17.00%-17.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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. |
Signature Loan |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.65% |
Up to 48 Months | All Years** | 6.75% |
Up to 60 Months | All Years** | 6.90% |
Up to 72 Months | 2017 or Newer** | 7.15% |
Up to 84 Months | 2019 or Newer | 7.70% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat Loans, and Horse Trailers |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 8.80% |
$15,000 to $24,999 | 144 months | 8.90% |
$0 to $14,999 | 84 months | 9.20% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.75% |
Up to 60 Months | All Years** | 7.90% |
Up to 72 Months | 2017 or Newer** | 8.15% |
Up to 84 Months | 2019 or Newer | 8.70% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 9.00% |
80% or Less | Less than $25,000 | 120 months | 9.50% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 9.05% |
80% or Less | 120 Months | 9.25% |
80% or Less | 180 Months | 9.45% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa® U Boost | 2% of Balance or $20, whichever is greater | 18.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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. |
Signature Loan |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.65% |
Up to 48 Months | All Years** | 6.75% |
Up to 60 Months | All Years** | 6.90% |
Up to 72 Months | 2017 or Newer** | 7.15% |
Up to 84 Months | 2019 or Newer | 7.70% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat, and Horse Trailer Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 8.30% |
$15,000 to $24,999 | 144 months | 8.40% |
$0 to $14,999 | 84 months | 8.75% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.75% |
Up to 60 Months | All Years** | 7.90% |
Up to 72 Months | 2017 or Newer** | 8.15% |
Up to 84 Months | 2019 or Newer | 8.70% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 8.75% |
80% or Less | Less than $25,000 | 120 months | 9.25% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 8.80% |
80% or Less | 120 Months | 9.00% |
80% or Less | 180 Months | 9.20% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa U Boost | 2% of Balance or $20, whichever is greater | 18.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.35% |
Up to 48 Months | All Years** | 6.45% |
Up to 60 Months | All Years** | 6.60% |
Up to 72 Months | 2017 or Newer** | 6.90% |
Up to 84 Months | 2019 or Newer | 7.60% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat Loans, and Horse Trailers |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 8.30% |
$15,000 to $24,999 | 144 months | 8.35% |
$0 to $14,999 | 84 months | 8.70% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.45% |
Up to 60 Months | All Years** | 7.60% |
Up to 72 Months | 2017 or Newer** | 7.90% |
Up to 84 Months | 2019 or Newer | 8.60% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 9.00% |
80% or Less | Less than $25,000 | 120 months | 9.50% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 9.30% |
80% or Less | 120 Months | 9.50% |
80% or Less | 180 Months | 9.70% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa U Boost | 2% of Balance or $20, whichever is greater | 18.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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. |
Signature Loan |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.10% |
Up to 48 Months | All Years** | 6.20% |
Up to 60 Months | All Years** | 6.35% |
Up to 72 Months | 2017 or Newer** | 6.65% |
Up to 84 Months | 2019 or Newer | 7.35% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat Loans, and Horse Trailers |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 8.30% |
$15,000 to $24,999 | 144 months | 8.40% |
$0 to $14,999 | 84 months | 8.70% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.20% |
Up to 60 Months | All Years** | 7.35% |
Up to 72 Months | 2017 or Newer** | 7.65% |
Up to 84 Months | 2019 or Newer | 8.35% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 9.00% |
80% or Less | Less than $25,000 | 120 months | 9.50% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 9.05% |
80% or Less | 120 Months | 9.25% |
80% or Less | 180 Months | 9.45% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa U Boost | 2% of Balance or $20, whichever is greater | 18.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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. |
Signature Loan |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.85% |
Up to 48 Months | All Years** | 6.95% |
Up to 60 Months | All Years** | 7.10% |
Up to 72 Months | 2017 or Newer** | 7.35% |
Up to 84 Months | 2019 or Newer | 7.90% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat Loans, and Horse Trailers |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 8.00% |
$15,000 to $24,999 | 144 months | 8.10% |
$0 to $14,999 | 84 months | 8.40% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.95% |
Up to 60 Months | All Years** | 8.10% |
Up to 72 Months | 2017 or Newer** | 8.35% |
Up to 84 Months | 2019 or Newer | 8.90% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 9.25% |
80% or Less | Less than $25,000 | 120 months | 9.75% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 9.15% |
80% or Less | 120 Months | 9.50% |
80% or Less | 180 Months | 9.55% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa U Boost | 2% of Balance or $20, whichever is greater | 18.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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. |
Signature Loan |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.60% |
Up to 48 Months | All Years** | 6.70% |
Up to 60 Months | All Years** | 6.85% |
Up to 72 Months | 2017 or Newer** | 7.15% |
Up to 84 Months | 2019 or Newer | 7.85% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat Loans, and Horse Trailers |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 7.85% |
$15,000 to $24,999 | 144 months | 7.90% |
$0 to $14,999 | 84 months | 8.25% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.70% |
Up to 60 Months | All Years** | 7.85% |
Up to 72 Months | 2017 or Newer** | 8.15% |
Up to 84 Months | 2019 or Newer | 8.85% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 8.75% |
80% or Less | Less than $25,000 | 120 months | 9.25% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 8.80% |
80% or Less | 120 Months | 9.00% |
80% or Less | 180 Months | 9.20% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa U Boost | 2% of Balance or $20, whichever is greater | 17.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-17.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 17.00%-17.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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. |
Signature Loan |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Fixed Rate New & Used Auto Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 36 Months | All Years** | 6.85% |
Up to 48 Months | All Years** | 6.95% |
Up to 60 Months | All Years** | 7.10% |
Up to 72 Months | 2017 or Newer** | 7.55% |
Up to 84 Months | 2019 or Newer | 8.05% |
1APR = Annual Percentage Rate. The base APR varies by region, as low as 6.10% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. A 0.25% rate discount is available for electric vehicles. |
Fixed Rate New & Used RV, Boat Loans, and Horse Trailers |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Amount | Maximum Term | APR1 As Low As* |
$25,000+ | 180 months | 8.80% |
$15,000 to $24,999 | 144 months | 8.90% |
$0 to $14,999 | 84 months | 9.20% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.85% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) 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 an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 115% of the retail value of the vehicle is available. Horse trailer loans priced at RV rates effective 9/1/2022. |
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Term | Vehicle Model Years | APR1 As Low As* |
Up to 48 Months | All Years** | 7.75% |
Up to 60 Months | All Years** | 7.90% |
Up to 72 Months | 2017 or Newer** | 8.35% |
Up to 84 Months | 2019 or Newer | 8.85% |
1APR = Annual Percentage Rate. The base APR available varies by region, as low as 7.20% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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 2018 and older. |
Fixed Rate Other Vehicle Loans |
|
---|---|
Effective Date: September 01, 2023 | |
Minimum Amount | APR1 As Low As* |
$1,000 | 11.39% |
1APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) 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: September 01, 2023 | |||
Loan-to-Value | Loan Amount | Term | APR1 As Low As* |
80% or Less | $25,000 and above | 120 months | 9.25% |
80% or Less | Less than $25,000 | 120 months | 9.75% |
1APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by region, as low as 8.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards 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. 2 Up to 90% Combined-Loan-To-Value (CLTV). Must draw $15,000 or 40% of your approved credit line, whichever is less, at time of loan closing, and have a qualifying credit score. |
Home Equity Closed End, Fixed Rate Loans |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan-to-Value | Maximum Term | APR1 As Low As* |
80% or Less | 60 Months | 9.15% |
80% or Less | 120 Months | 9.50% |
80% or Less | 180 Months | 9.55% |
1APR = Annual Percentage Rate. *Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% APR premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by region, as low as 8.80% to as high as 18.00% APR (as high as 17.00% in Arkansas and Oklahoma). 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: September 01, 2023 | ||
Card Type | Minimum Payment | Variable APR1* |
Visa U Boost | 2% of Balance or $20, whichever is greater | 18.00% APR2 |
Visa U First | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 6 months. After that, variable rates as low as 12.99%-18.00% APR2 |
Visa U Rewards | 2% of Balance or $20, whichever is greater | As low as 0.00% intro APR for first 12 months. After that, variable rates as low as 18.00%-18.00% APR2 |
1APR = Annual Percentage Rate. 2Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate. |
Savings Secured |
||
---|---|---|
Effective Date: September 01, 2023 | ||
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: September 01, 2023 | ||
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. |
Signature Loan |
||
---|---|---|
Effective Date: September 01, 2023 | ||
Loan Types | Term | APR1 As Low As* |
Fixed Rate Signature | Up to 60 Months | 14.89% |
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: September 01, 2023 | ||
Loan Types | Minimum Payment | APR1 As Low As* |
---|---|---|
Line of Credit (Overdraft Protection) – Variable Rate* | 3% of balance or $30 minimum whichever is higher | 18.00% |
*Annual Percentage Rates (APR) is a variable rate. Payment Example: $3000 at 15.74% APR for 36 months equals $105.10 1APR = Annual Percentage Rate. |
Student Loans |
Effective: January 1, 2022 |
Private Student Loans |
---|
We are pleased to offer Private Student Loans through Student Choice. Click here for information and to apply for a loan. |
Truth-In-Lending Home Equity Line of Credit Disclosure
Truth-In-Lending Home Equity Line of Credit Interest Only Disclosure
APR = Annual Percentage Rate
Loan rates may vary based on terms and member's credit profile as determined by United. Loans subject to credit review. Rates accurate as of today and are subject to change without notice.