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Rates

Financial Calculators

Vehicle loan rate discounts are available with our Relationship Rewards or UNITED Protection Package programs!

Loan Types APR* as low as Term (months)
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2000 - 2015 1.750 up to 60
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2006 - 2015 (minimum $15,000) 1.750 66
New/Used Vehicle (up to 125% NADA Clean Trade-In) 2006 - 2015 (minimum $20,000) 1.750 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) ($10,000 - $500,000) 2.750 up to 60
Home Equity (Texas only) ($10,000 - $500,000) 3.750 up to 144
Home Equity (Texas only) ($10,000 - $500,000) 3.990 up to 180
Home Equity (Texas only) ($10,000 - $500,000) 4.490 up to 240
Line of Credit (LOC) 12.000 n/a
New Motorcycle/PWC/ATV (up to 125% NADA Clean Trade-In) (minimum $15,000 to exceed 48-month term) 5.250 up to 60
Used Motorcycle/PWC/ATV (up to 125% NADA Clean Trade-In) 6.000 up to 48
New Boat (up to 125% NADA Clean Trade-In) 5.500 60 - 84
Used Boat (up to 125% NADA Clean Trade-In) 5.750 up to 48
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 4.250 up to 60
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 5.500 up to 84
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 6.000 up to 96
New RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) (minimum $30,000) 6.250 up to 144
Used RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 4.750 up to 48
Used RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) 5.250 up to 60
Used RV/Camper/Travel Trailer (up to 125% NADA Clean Trade-In) (minimum $20,000) 6.500 up to 84
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) up to $10,000 7.750 12
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) up to $10,000 8.250 18
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) $3,000 - $10,000 8.500 24
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) $4,000 - $10,000 8.750 36
Other Secured Furniture, Major Appliances, etc. (90% of purchase price) $4,000 - $10,000 9.500 48
New Personal Computer (100% of purchase price) up to $4,000 7.250 12
New Personal Computer (100% of purchase price) up to $4,000 8.250 18
New Personal Computer (100% of purchase price) up to $4,000 8.500 24
Signature 7.000 12
Signature 9.000 18
Signature 10.000 24
Signature 11.000 up to 48
Credit Starter Loan (Club 21 Members Only) $250 - $1,000 12.000 12
Unimproved Property Loan (Vacant Land) $10,000 - $250,000 8.000 180

*APR means Annual Percentage Rate. Rates are effective as of May 14, 2015. 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 loan rates listed above are the lowest APRs available. Loan rate, term and amount financed are determined by creditworthiness. Final rate and term are assigned at time of application approval. Some auto loan rates may be discounted .50% with UNITED Protection Package. Lowest advertised rate and in-house refinance DO NOT qualify for discount. Dealer add-on products that the credit union offers are not eligible for financing.

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
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 $100 - $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 May 1, 2015 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 0.30 0.30 6
Certificates & IRA Certificates 0.75 0.75 12
Certificates & IRA Certificates 0.65 0.65 24
Certificates & IRA Certificates 0.90 0.90 36
Certificates & IRA Certificates 1.00 1.00 48
Certificates & IRA Certificates 1.40 1.41 60

*APY = Annual Percentage Yield. APY offered period of May 21 - 31, 2015. 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.