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Auto loan rates are as low as 1.75% APR (up to 72 months) with our United Protection Product Discounts!

Loan Types APR* as low as Term (months)
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2001 - 2016 1.99** up to 60
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2007 - 2016 (minimum $15,000) 1.99** 66
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2007 - 2016 (minimum $20,000) 2.24** 72
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2007 - 2016 (minimum $25,000) 3.49** 84
Platinum MasterCard® 8.99 n/a
Starter MasterCard® 15.00 n/a
Home Equity First Lien (Texas only) ($10,000 - $500,000)*** 3.25 up to 60
Home Equity First Lien (Texas only) ($10,000 - $500,000)*** 3.85 up to 144
Home Equity First Lien (Texas only) ($10,000 - $500,000)*** 4.15 up to 180
Home Equity Second Lien (Texas only) ($10,000 - $500,000)*** 4.25 up to 60
Home Equity Second Lien (Texas only) ($10,000 - $500,000)*** 4.85 up to 144
Home Equity Second Lien (Texas only) ($10,000 - $500,000)*** 5.15 up to 180
Line of Credit (LOC) 12.00 n/a
New Motorcycle/PWC/ATV (up to 125% NADA Clean Trade-In) (minimum $15,000 to exceed 48-month term) 5.25 up to 60
Used Motorcycle/PWC/ATV (up to 125% NADA Clean Trade-In) 6.00 up to 48
New Boat (up to 125% NADA Clean Trade-In) 5.50 60 - 84
Used Boat (up to 125% NADA Clean Trade-In) 5.75 up to 48
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 4.25 up to 60
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 5.50 up to 84
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 6.00 up to 96
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) (minimum $30,000) 6.25 up to 144
Used RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 4.75 up to 48
Used RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 5.25 up to 60
Used RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) (minimum $20,000) 6.50 up to 84
Share-Secured Loan (100% Secured) Rate + 1.50% 120
Certificate-Secured Loan (100% Secured) Rate + 1.50% n/a
Signature 7.00 12
Signature 9.00 18
Signature 10.00 24
Signature 11.00 up to 48
Credit Starter Loan (Club 21 Members Only) $250 - $1,000 12.00 12

*APR means Annual Percentage Rate. Rates are effective as of July 1, 2016. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

**Auto rates are eligible for protection product discounts. Discounts vary by protection product. Lowest discounted rate with the purchase of protection products is 1.75% APR (up to 72 months).

***Independent appraisal (at member's expense) required on Home Equity Loans over $100,000.

Account Types Dividend Rate APY*
Premium Reward Checking (Balance Up To $25,000 & Requirements Met) 0.10 0.10
Premium Reward Checking (Balance $25,000.01 and Over & Requirements Met) 0.25 0.25
Premium Reward Checking (Entire Balance & Requirements Not Met) 0.05 0.05
Free & Easy Checking (All Balances) 0.05 0.05
Savings (Balance $5.00 and Over) 0.05 0.05
Money Market (Balance Up to $2,499.99) 0.25 0.25
Money Market (Balance $2,500 and Over) 0.50 0.50
Liquid Asset Account (All Balances)** 0.10 0.10
Health Savings Account (Balance $5 - $4,999.99) 0.50 0.50
Health Savings Account (Balance $5,000 and Over) 0.75 0.75
Vacation/Christmas Club Account (Balance $5 and Over) 0.35 0.35
Traditional and Roth IRAs & Education Savings Account (Balance $100 and Over) 0.50 0.50

*APY = Annual Percentage Yield. APY is accurate as of July 1, 2016 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 earnings on the account.

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

Certificate Types Dividend Rate APY* Term (months)
Certificates & IRA Certificates 0.50 0.50 6
Certificates & IRA Certificates 1.25 1.26 12
Certificates & IRA Certificates 1.25 1.26 24
Certificates & IRA Certificates 1.50 1.51 36
Certificates & IRA Certificates 1.75 1.76 48
Certificates & IRA Certificates 2.00 2.02 60

*APY = Annual Percentage Yield. APY offered period of July 1 - 31, 2016. Minimum balance to earn APY $500 for Certificates & IRA Certificates. A penalty will be imposed for early withdrawal. A withdrawal of all or any portion of the principal prior to maturity will cause automatic termination of the Certificate Account. For a Certificate with a term of one year or less, the penalty will be equal to 90 days worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For a Certificate with a term exceeding one year, the penalty will be equal to 180 days worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate.