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Rates

Rate Calculator UNITED SA Federal Credit Union Datatrac Badge

Loan rate, term and amount financed are determined by credit worthiness. Final rate and term are assigned at time of application approval. Additional vehicle loan rate discounts are available with our Relationship Rewards or Vehicle Protection Package programs!*

Rates advertised are the lowest possible rates are not eligible for additional discounts.

Loan Types APY* Term (months)
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2013-2014 1.750 60
New/Used Vehicle (up to 125% NADA Clean Trade-In) 1996-2012 2.990 24
New/Used Vehicle (up to 125% NADA Clean Trade-In) 1996-2012 2.990 36
New/Used Vehicle (up to 125% NADA Clean Trade-In) 1996-2012 2.990 48
New/Used Vehicle (up to 125% NADA Clean Trade-In) 1996-2012 2.990 60
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2006-2014 (min $15,000) 3.490 66
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2006-2014 (min $20,000) 3.490 72
Platinum MasterCard® 8.990 n/a
Starter MasterCard® 15.000 n/a
Farm Equipment (90% Appraisal value) 10.000 60
Home Equity (Texas only) $5,000 - $10,000 4.500 60
Home Equity (Texas only) $10,001 - $20,000 5.000 144
Home Equity (Texas only) $20,001 - $100,000 5.500 180
Line of Credit (LOC) 12.000 12
Line of Credit (LOC) 12.000 18
Line of Credit (LOC) 12.000 24
Line of Credit (LOC) 12.000 36
Line of Credit (LOC) 12.000 48
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In)(Amount financed must be at least $15,000 to exceed term) 6.250 48
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) (Amount financed must be at least $15,000 to exceed term) 6.500 60
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) 5.250 60
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) 6.500 84
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) (Amount financed must be at least $30,000 to exceed term) 7.000 96
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) (Amount financed must be at least $30,000 to exceed term) 7.250 120
New Boat/Motorcycle/Jet Ski (up to 115% NADA Clean Trade-In) 8.000 144
Share-Secured Loan (100% Secured) Rate + 1.50% 120
Certificate-Secured Loan (100% Secured) Rate + 1.50% N/A
Other Secured-Furniture, Major Appliances, etc. (90% of purchase price) Max. $10,000 7.750 12
Other Secured-Furniture, Major Appliances, etc. (90% of purchase price) Max. $10,000 8.250 18
Other Secured-Furniture, Major Appliances, etc. (90% of purchase price) Max. $10,000 (Amount financed must be at least $3,000) 8.250 18
Other Secured-Furniture, Major Appliances, etc. (90% of purchase price) Max. $10,000 (Amount financed must be at least $3,000) 8.500 24
Other Secured-Furniture, Major Appliances, etc. (90% of purchase price) Max. $10,000 (Amount financed must be at least $4,000) 8.750 36
Other Secured-Furniture, Major Appliances, etc. (90% of purchase price) Max. $10,000 (Amount financed must be at least $4,000) 9.500 46
Personal Computer (100% of purchase price) New Computers Only Max. $4,000 7.250 12
Personal Computer (100% of purchase price) New Computers Only Max. $4,000 8.250 18
Personal Computer (100% of purchase price) New Computers Only Max. $4,000 8.500 24
Signature 8.000 12
Signature 10.000 18
Signature 11.000 24
Signature 12.000 36
Signature 12.000 48
Used Jet Ski (up to 115% NADA Clean Trade-In) 6.750 24
Used Jet Ski (up to 115% NADA Clean Trade-In) 7.250 36
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) 5.750 48
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) (Amount financed must be at least $20,000 to exceed term) 6.250 60
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) (Amount financed must be at least $20,000) 7.500 84
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) (Amount financed must be at least $20,000) 8.250 96
Used RV/Camper/Travel Trailer (up to 115% NADA Clean Trade-In) (Amount financed must be at least $20,000) 8.750 120
Used Boat/Motorcycle (up to 115% NADA Clean Trade-In) 6.750 36
Used Boat/Motorcycle (up to 115% NADA Clean Trade-In) 7.250 48
Unimproved Property Loan (Vacant Land) ($10,000 - $250,000) 8.000 180

*APR = Annual Percentage Rate. Rates are effective as of December 24, 2013. Rates are subject to change.

Account Types Dividend Rate APY*
Premium Reward Checking (Balance Up To $25,000 & Requirements Met) 0.25 0.25
Premium Reward Checking (Balance over $25,000 & Requirements Met) 0.10 0.10
Premium Reward Checking (Entire Balance & Requirements Not Met) 0.00 0.00
Checking (All Balances) 0.05 0.05
Savings ($5.00 and Over) 0.05 0.05
Money Market (Balance $0 - $49,999.99) 0.00 0.00
Money Market (Balance $50,000 - over) 0.05 0.05
Liquid Asset Account (Balance Up To $499.99)** 0.05 0.05
Liquid Asset Account (Balance $500 and Over)** 0.15 0.15
Health Savings Account ($100 - $500.99) 0.50 0.50
Health Savings Account (Balance $501 - $1,000.99) 0.75 0.75
Health Savings Account (Balance $1,001 and Over) 1.00 1.00
Vacation/Christmas Club Account (Balance $5 - $14,999.99) 0.35 0.35
Vacation/Christmas Club Account (Balance $15,000 and Over) 0.05 0.05
Traditional and Roth IRAs & Education Savings Account (Balance $100 and Over) 0.25 0.25

*APY = Annual Percentage Yield. Annual Percentage Yield (APY) is accurate as of April 1, 2014 and may change after the account is opened. Dividends are based on the daily balance and paid to the account monthly, Fees or other conditions could reduce the earning on the account.

**Variable rate account subject to change when the Federal Funds rate changes.

Certificate Types Dividend Rate APY* Term (months)
Certificate & IRA Certificate Specials 0.40 0.40 9
Certificate & IRA Certificate Specials 0.60 0.60 18
Certificates & IRA Certificates 0.10 0.10 2
Certificates & IRA Certificates 0.20 0.20 3
Certificates & IRA Certificates 0.30 0.30 6
Certificates & IRA Certificates 0.45 0.45 12
Certificates & IRA Certificates 0.75 0.75 24
Certificates & IRA Certificates 1.00 1.00 36
Certificates & IRA Certificates 1.10 1.11 48
Certificates & IRA Certificates 1.50 1.51 60
Jumbo Certificates ($100,000 and Up) 0.20 0.20 2
Jumbo Certificates ($100,000 and Up) 0.30 0.30 3
Jumbo Certificates ($100,000 and Up) 0.35 0.35 6
Jumbo Certificates ($100,000 and Up) 0.60 0.60 12

*APY = Annual Percentage Yield. APY Offered Period of April 17 - 23, 2014. Minimum Balance to earn APY $500 for Certificates & IRA Certificates and $100,000 for Jumbo & IRA Certificates.

Club 21 Certificates (ages 18-21) have dividend rates 0.25% higher than the above published rates. Minimum opening deposit = $250.00.