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Please select your state to see rates for your particular location. Check back as rates are updated often.

Indiana

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 6.10%
Up to 48 Months All Years** 6.20%
Up to 60 Months All Years** 6.30%
Up to 72 Months 2018 or Newer** 6.60%
Up to 84 Months 2020 or Newer 7.20%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.05%
$15,000 to $24,999 144 months 7.15%
$0 to $14,999 84 months 7.50%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 7.45%
Up to 60 Months All Years** 7.55%
Up to 72 Months 2018 or Newer** 7.85%
Up to 84 Months 2020 or Newer 8.45%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 18.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

Michigan

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 6.25%
Up to 48 Months All Years** 6.35%
Up to 60 Months All Years** 6.45%
Up to 72 Months 2018 or Newer** 6.75%
Up to 84 Months 2020 or Newer 7.35%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.55%
$15,000 to $24,999 144 months 7.65%
$0 to $14,999 84 months 8.00%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 7.60%
Up to 60 Months All Years** 7.70%
Up to 72 Months 2018 or Newer** 8.00%
Up to 84 Months 2020 or Newer 8.60%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.15%
Less than $25,000 80% or Less 8.65%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.40%
Less than $25,000 80% or Less 8.90%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.10%
120 Months 80% or Less 7.90%
180 Months 80% or Less 7.70%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 18.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

Nevada

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.35%
Up to 48 Months All Years** 5.45%
Up to 60 Months All Years** 5.55%
Up to 72 Months 2018 or Newer** 5.85%
Up to 84 Months 2020 or Newer 6.45%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 6.40%
$15,000 to $24,999 144 months 6.50%
$0 to $14,999 84 months 6.85%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 6.70%
Up to 60 Months All Years** 6.80%
Up to 72 Months 2018 or Newer** 7.10%
Up to 84 Months 2020 or Newer 7.70%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 18.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

North Carolina

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.30%
Up to 48 Months All Years** 5.40%
Up to 60 Months All Years** 5.50%
Up to 72 Months 2018 or Newer** 5.80%
Up to 84 Months 2020 or Newer 6.40%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.05%
$15,000 to $24,999 144 months 7.15%
$0 to $14,999 84 months 7.50%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 6.65%
Up to 60 Months All Years** 6.75%
Up to 72 Months 2018 or Newer** 7.05%
Up to 84 Months 2020 or Newer 7.65%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 18.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

Ohio

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.40%
Up to 48 Months All Years** 5.50%
Up to 60 Months All Years** 5.60%
Up to 72 Months 2018 or Newer** 5.90%
Up to 84 Months 2020 or Newer 6.50%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 5.40%
$15,000 to $24,999 144 months 5.50%
$0 to $14,999 84 months 5.85%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 6.75%
Up to 60 Months All Years** 6.85%
Up to 72 Months 2018 or Newer** 7.15%
Up to 84 Months 2020 or Newer 7.75%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 18.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

Pennsylvania

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.90%
Up to 48 Months All Years** 6.00%
Up to 60 Months All Years** 6.10%
Up to 72 Months 2018 or Newer** 6.40%
Up to 84 Months 2020 or Newer 7.00%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.55%
$15,000 to $24,999 144 months 7.65%
$0 to $14,999 84 months 8.00%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 7.25%
Up to 60 Months All Years** 7.35%
Up to 72 Months 2018 or Newer** 7.65%
Up to 84 Months 2020 or Newer 8.25%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 18.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

Other

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 6.45%
Up to 48 Months All Years** 6.55%
Up to 60 Months All Years** 6.65%
Up to 72 Months 2018 or Newer** 6.95%
Up to 84 Months 2020 or Newer 7.55%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 7.55%
$15,000 to $24,999 144 months 7.65%
$0 to $14,999 84 months 8.00%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 7.80%
Up to 60 Months All Years** 7.90%
Up to 72 Months 2018 or Newer** 8.20%
Up to 84 Months 2020 or Newer 8.80%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 18.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

Arkansas

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.60%
Up to 48 Months All Years** 5.70%
Up to 60 Months All Years** 5.80%
Up to 72 Months 2018 or Newer** 6.10%
Up to 84 Months 2020 or Newer 6.70%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 6.80%
$15,000 to $24,999 144 months 6.90%
$0 to $14,999 84 months 7.25%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 6.95%
Up to 60 Months All Years** 7.05%
Up to 72 Months 2018 or Newer** 7.35%
Up to 84 Months 2020 or Newer 7.95%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

Oklahoma

Fixed Rate New & Used Auto Loans

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.60%
Up to 48 Months All Years** 5.70%
Up to 60 Months All Years** 5.80%
Up to 72 Months 2018 or Newer** 6.10%
Up to 84 Months 2020 or Newer 6.70%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.30% 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, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Fixed Rate New & Used RV, Boat, and Horse Trailer Loans

Effective Date: June 03, 2024
Amount Maximum Term Don't use APR1 As Low As* Spare2
$25,000+ 180 months 6.80%
$15,000 to $24,999 144 months 6.90%
$0 to $14,999 84 months 7.25%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 5.40% 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 100% of the retail value of the vehicle is available.

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

Effective Date: June 03, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 48 Months All Years** 6.95%
Up to 60 Months All Years** 7.05%
Up to 72 Months 2018 or Newer** 7.35%
Up to 84 Months 2020 or Newer 7.95%
[1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.65% 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 0.75% premium will be added to model years 2019 and older.

Fixed Rate Other Vehicle Loans

Effective Date: June 03, 2024
Minimum Amount Column1 Don't use APR1 As Low As* Spare3
$1,000 11.39%
[1] APR = Annual Percentage Rate. The base APR available varies by state, 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: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.25%
Less than $25,000 80% or Less 8.75%
6 Month Introductory Rate [2] 5.99%

[1] APR = 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 state, as low as 8.15% 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] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.15% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Interest Only Home Equity Line of Credit

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 8.50%
Less than $25,000 80% or Less 9.00%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. * Equity loans up to 80% 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. Rates vary between 8.40% APR and 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. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate. 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. Consult a tax adviser regarding the deductibility of interest. Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Example Payment: $25,000 borrowed at 3.75% APR for 120 months equals $256 per month.

[2] This introductory APR applies only to new loans approved on or after 6/3/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 8.40% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.


Home Equity Closed End, Fixed Rate Loans

Effective Date: June 03, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
60 Months 80% or Less 8.20%
120 Months 80% or Less 8.00%
180 Months 80% or Less 7.80%
[1] APR = 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 state, as low as 7.70% 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: June 03, 2024
Card Type Minimum Payment Don't use Variable APR1* Spare3
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
[1] APR = Annual Percentage Rate. [2] Rate offered determined by applicant’s creditworthiness. *Annual Percentage Rates (APR) is a variable rate.

Savings Secured

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As Spare3
Fixed Rate Share Secured Up to 60 Months 4.50%2
Fixed Rate Share Certificate - CD Secured Certificate Maturity Certificate Rate + 3.25%3
[1] APR = Annual Percentage Rate. [2] Payment Example: $3000 at 5.25% APR for 36 months equals $90.25 per month. [3] Payment Example: $3,000 at 7.30% APR for 36 months equals $93.06 per month.

Unsecured Loans

Effective Date: June 03, 2024
Loan Type Term Don't use APR1 As Low As* Spare3
Fixed Rate Signature Up to 60 Months 14.89%
[1] APR = Annual Percentage Rate. * Rate shown includes a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Payment Example: $5,000 at 14.00% APR for 60 months equals $116.34 per month.

Line of Credit (Overdraft Protection)

Effective Date: June 03, 2024
Loan Type Minimum Payment Don't use APR1 As Low As* Spare3
Line of Credit (Overdraft Protection) – Variable Rate* 3% of balance or $30 minimum whichever is higher 17.00%
[1] APR = Annual Percentage Rate. *Annual Percentage Rates (APR) is a variable rate. Payment Example: $3,000 at 15.74% APR for 36 months equals $105.10

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.

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