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Current Rates

Loan Rates - Rates are accurate as of November 1, 2018

Auto
TypeTermRates as low asAPR
2015 - Newer Up to 63 months 3.59% 3.66%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $20,000 loan with a $35 application fee for 63 months and a monthly payment of $349.40.
2011 - 2014 Up to 63 months 4.89% 4.96%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $20,000 loan with a $35 application fee for 63 months and a monthly payment of $361.23.
For additional Auto rates and terms, please call 800-762-9555, option 0.

Rec. Vehicles
Type
For current Rates and Terms, please call 800-762-9555, option 0.

Signature
TypeTermRates as low as
Fixed Rate Up to 60 Months 7.99%

Share Secured
TypeTermRates as low as
Fixed Up to 60 Months 5.00%
All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change.

VISA Credit Card
TypeAPR (As Low As)
U1 Platinum 8.92%
U1 Platinum Variable 12.25%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. For U1 Platinum Variable, the APR may vary after the account is opened.

Mortgage
Type
FHA / VA / RD / Conventional - Check out the latest U1 Mortgage Rates.

Home Equity Line of Credit
TypeTermAPR (As Low As)
Up to 95% LTV 15 years 5.25%
*APR = Annual Percentage Rate.  The APR for the Home Equity Line of Credit (HELOC) is variable and based on Prime Rate as published in the Wall Street Journal plus a margin. Margin is determined by applicant's credit score and home's Loan to Value (LTV). Rates as low as Prime. Maximum APR = 18%. No closing costs with a $15,000 minimum initial advance; cannot be used towards U1 existing loans or debt. Third party fees could range from $0 - $400. Reimbursement of third party fees may be required for loans closed within the first three years of opening. Property insurance is required. Flood insurance and Private Mortgage Insurance (PMI) may be required. All loans subject to approval. Program subject to change.

Home Remedy Loan
TypeTermRates as low as
Up to 95% LTV 5 / 10 / 15 Years 4.25% / 5.00% / 5.50%
All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change.

 


Savings Rates - APY is accurate as of Aug 1, 2018

Checking Account
TypeMin. BalanceRateAPY
Universal Freedom 500 $500.00 0.05% 0.05%

Savings Accounts
TypeMin. BalanceRateAPY
Tier 1 $5.00 - -
Tier 2 $300.00 0.05% 0.05%
Tier 3 $10,000.01 0.10% 0.10%
Tier 4 $50,000.01 0.15% 0.15%
Vacation and Holiday $50.00 0.10% 0.10%

Money Market
Effective Date: November 5, 2018
TypeMin. BalanceRateAPY
Tier 1 $2,000.01 0.20% 0.20%
Tier 2 $10,000.01 0.40% 0.40%
Tier 3 $25,000.01 0.60% 0.60%

Health Savings Account
TypeMin. BalanceRateAPY
HSA - 2.50% 2.54%

Certificates
Effective Date: November 5, 2018
TermMin. BalanceRateAPY
6 & 7 Months $1,000.00 1.50% 1.51%
12 Months Money Saver $25.00 0.75% 0.75%
12 Months $500.00 1.75% 1.76%
13 Months $1,000.00 1.75% 1.76%
18 Months $1,000.00 2.00% 2.02%
24 & 30 Months $1,000.00 2.25% 2.27%
36 Months $1,000.00 2.40% 2.43%
48 Months $1,000.00 2.60% 2.63%
60 Months $1,000.00 2.70% 2.74%
HSA 3 Month Certificate $1,000.00 3.00% 3.04%

IRAs
Effective Date: November 5, 2018
TermMin. BalanceRateAPY
12 Months $500.00 1.75% 1.76%
24 & 30 Months $1,000.00 2.25% 2.27%
48 Months $1,000.00 2.60% 2.63%
60 Months $1,000.00 2.70% 2.74%
Passbook - 0.25% 0.25%

APY = Annual Percentage Yield
Checking - 0.05% APY on the average daily balance of $500.00 or more, paid monthly.
Savings - Tiers 1-4 apply to Savings and Savings Plus accounts only. APY on the average daily balance of $300.00 or more on Savings and Savings Plus accounts, paid monthly. Dividends paid on $50.00 or more balances in Vacation and Holiday accounts.

Money Market - Dividends paid monthly. A minimum deposit of $2,000 is required to open the account. Fees could reduce earnings.
Certificates - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.
IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.

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