See and compare current loan and savings rates.
Loan and Savings Rates
Latest Loan Rates
Auto Loans
UCCU provides low rates and flexible terms on every vehicle loan.
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
Disclosures:
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
| Loan Type | Term | APR* (as low as) | Pmnt/$1,000 | From | To |
|---|---|---|---|---|---|
| 5 Years | 60 Months | 5.49 % | $19.10 | 2018 | 2025 |
| 6 Years | 72 Months | 5.74 % | $16.45 | 2018 | 2025 |
| 7 Years | 84 Months | 6.49 % | $14.84 | 2018 | 2025 |
| Older Model 4 Year | 48 Months | 6.49 % | $23.71 | 2010 | 2017 |
| Older Model 5 Year | 60 Months | 6.74 % | $19.68 | 2015 | 2017 |
| Older Model 6 Year | 72 Months | 7.49 % | $17.29 | 2015 | 2017 |
RV Loans
UCCU RV Buying Experts are at work in every branch, ready to deliver low rates, and up to 100% financing and 144 months (that’s 12 years!) on new and used Recreational Vehicles.
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
Disclosures:
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
| Loan Type | Term | Fixed APR* (as low as) | Pmnt/$1,000 | From | To |
|---|---|---|---|---|---|
| 5 Years | 60 Months | 7.99 % | $20.27 | 2018 | 2025 |
| 7 Years | 84 Months | 7.99 % | $15.58 | 2018 | 2025 |
| 12 Years | 144 Months | 7.99 % | $10.96 | 2018 | 2025 |
| 15 Years | 180 Months | 7.99 % | $9.99 | 2018 | 2025 |
| Older Model 7 Years | 84 Months | 8.49 % | $15.83 | --- | 2017 |
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Motorcycle / Scooter Loans
UCCU provides up to 100% financing and 72 months on a new and used motorcycle loan
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
Disclosures:
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
| Loan Type | Term | Fixed APR* (as low as) |
|---|---|---|
| 5 Years | 60 Months | 7.74 % |
| 6 Years | 72 Months | 7.99 % |
| 7 Years | 84 Months | 8.24 % |
| Older Model 5 Years | 60 Months | 8.24 % |
Visa Credit Cards
Get the credit you deserve.
Disclosures:
*Annual Percentage Rate=APR. Some restrictions may apply. Offer is subject to change without notice. On approved credit. Membership eligibility required. Federally insured by NCUA. Click here to view UCCU’s Visa Line of Credit Disclosure. Click here to view UCCU’s Visa Cardholder Agreement. Click here to view UCCU’s 4-3-2-1 Cash Rewards Card details.
| Loan Type | APR | Monthly Pmt |
|---|---|---|
| Low-rate Visa Credit Card* | as low as 11.00 % variable APR | 2.50 % of balance |
| Everyday 4321 Credit Card | 18.00 % fixed APR | 2.50 % of balance |
| Travel 4321 Credit Card | 18.00 % fixed APR | 2.50 % of balance |
Personal Loans
Referred to as a “signature loan,” a Personal Loan from UCCU requires no collateral or application fees.
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
Disclosures:
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
| Loan Type | Rate | Term | Pmnt/$1,000 |
|---|---|---|---|
| 1-4 Years | 10.75 % | 48 Months | $25.72 |
Checking Protection
Checking Protection is a line of credit you can link to your checking account to provide the financial coverage you need if your balance is too low to complete a transaction.
Disclosures:
*The variable Annual Percentage Rate (APR) is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the 15th day of the month prior to any annual percentage rate adjustment.
To determine the annual percentage rate that will apply to your account, we add a margin to the value of the Index. The margin you will receive is based on your credit worthiness. if the rate is not already rounded we then round up to the next .25%
* ANNUAL PERCENTAGE RATE (APR). Late payment fee is $25.00. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Learn More
| Loan Type | Rate | Monthly Payment |
|---|---|---|
| Checking Protection Overdraft Line of Credit | 18.00 % variable APR | 3.5 % of balance |
Real Estate
Mortgage Loans
Traditional loans with fixed payments and low rates.
See our Mortgage Rates on our Mortgage & Home Loans Page
Business
Commercial Vehicle Loans
From buying a delivery bike to building an entire fleet of vehicles, UCCU’s Commercial Vehicle Buying Experts are ready to provide your business with low rates and flexible terms on every business vehicle loan.
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Business Visa Credit Cards
Low rates, cash back, and other advantages to
help support and grow your business.
Disclosures:
*Annual Percentage Rate=APR. Some restrictions may apply. Offer is subject to change without notice. On approved credit. Membership eligibility required. Federally insured by NCUA. Click here to view UCCU’s Visa Cardholder Agreement. Click here to view UCCU’s Visa Line of Credit Disclosure. Click here to view UCCU’s 4-3-2-1 Cash Rewards Card details.
| Product | APR | Monthly Pmt |
|---|---|---|
| Low-rate Visa Credit Card* | as low as 11.00 % variable APR | 2.5 % of balance |
| Everyday 4321 Credit Card | 18.00 % fixed APR | 2.5 % of balance |
Business Checking Protection
Checking Protection is an overdraft line of credit will automatically provide the coverage your business needs to complete a transaction whenever there are insufficient funds in your account.
| Product | Rate | Monthly Payment |
|---|---|---|
| Business Checking Protection Overdraft Line of Credit | 18.00 % variable APR | 3.5 % of balance |
Business Term Loans
| Product | Rate | Term | Pmnt/$1,000 |
|---|---|---|---|
| 1 - 3 Years | 11.00 % | 36 Months | $32.74 |
Regular Business Savings
Truly free business savings, with no monthly fees and up to five different suffixes (or sub-accounts) that make planning and saving less complicated and more convenient.
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Business Savings Certificates
Savings Certificate Specials
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Standard Savings Certificates
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Jump Up Savings Certificates
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Savings
Regular Savings
Federally insured by NCUA, a UCCU Share Savings account enables you to make deposits or withdrawals at any time, while your savings earn daily interest that’s paid to you every month.
Disclosures:
*Every member of the credit union is required to maintain a Share Savings Account with a minimum deposit and balance of $5.
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Money Market Savings
Enjoy higher interest rates than traditional savings accounts. A Money Market account is an ideal option for anyone looking for a flexible way to grow their savings. Now with unlimited deposits and withdrawls.
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IRA Savings Certificates
Investment accounts with financial advantages for your retirement.
IRA Savings Certificate Specials
| Loan Type | Dividend Rate | APY |
|---|---|---|
| 12 Month Add-on | 3.93 % | 4.00 % |
IRA Standard Savings Certificates
| Loan Type | Dividend Rate | APY |
|---|---|---|
| 3 Months | 4.22 % | 4.30 % |
| 6 Months | 4.27 % | 4.35 % |
| 12 Months | 4.17 % | 4.25 % |
| 24 Months | 3.88 % | 3.95 % |
| 36 Months | 4.07 % | 4.15 % |
| 48 Months | 4.12 % | 4.20 % |
| 60 Months | 4.17 % | 4.25 % |
IRA Jump Up Savings Certificates
| Product | Dividend Rate | APY |
|---|---|---|
| 3 Months Jump Up | 4.03 % | 4.10 % |
| 6 Months Jump Up | 4.07 % | 4.15 % |
| 12 Months Jump Up | 3.98 % | 4.05 % |
| 24 Months Jump Up | 3.69 % | 3.75 % |
| 36 Months Jump Up | 3.88 % | 3.95 % |
| 48 Months Jump Up | 3.93 % | 4.00 % |
| 60 Months Jump Up | 3.98 % | 4.05 % |
IRA Money Market
Investment accounts with financial advantages for your future.
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Savings Certificates
A savings account that’s committed to working harder and earning more.
Savings Certificate Specials
| Loan Type | Dividend Rate | APY |
|---|---|---|
| 12 Month Add-on | 3.93 % | 4.00 % |
Standard Savings Certificates
| Loan Type | Dividend Rate | APY |
|---|---|---|
| 3 Months | 4.22 % | 4.30 % |
| 6 Months | 4.27 % | 4.35 % |
| 12 Months | 4.17 % | 4.25 % |
| 24 Months | 3.88 % | 3.95 % |
| 36 Months | 4.07 % | 4.15 % |
| 48 Months | 4.12 % | 4.20 % |
| 60 Months | 4.17 % | 4.25 % |
Jump Up Savings Certificates
| Product | Dividend Rate | APY |
|---|---|---|
| 3 Months Jump Up | 4.03 % | 4.10 % |
| 6 Months Jump Up | 4.07 % | 4.15 % |
| 12 Months Jump Up | 3.98 % | 4.05 % |
| 24 Months Jump Up | 3.69 % | 3.75 % |
| 36 Months Jump Up | 3.88 % | 3.95 % |
| 48 Months Jump Up | 3.93 % | 4.00 % |
| 60 Months Jump Up | 3.98 % | 4.05 % |
Youth Savings
Youth Money Market Savings
Youth Money Market accounts pay high money market yields at lower balances, making them perfect for young savers.
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Youth Savings Certificates
Introduce your child to the idea of earning more, while enjoying the flexibility of penalty-free withdrawals the first week of each quarter.
Savings Certificate Specials
| Loan Type | Dividend Rate | APY |
|---|---|---|
| 12 Month Add-on | 3.93 % | 4.00 % |
Standard Savings Certificates
| Loan Type | Dividend Rate | APY |
|---|---|---|
| 3 Months | 4.22 % | 4.30 % |
| 6 Months | 4.27 % | 4.35 % |
| 12 Months | 4.17 % | 4.25 % |
| 24 Months | 3.88 % | 3.95 % |
| 36 Months | 4.07 % | 4.15 % |
| 48 Months | 4.12 % | 4.20 % |
| 60 Months | 4.17 % | 4.25 % |
Jump Up Savings Certificates
| Product | Dividend Rate | APY |
|---|---|---|
| 3 Months Jump Up | 4.03 % | 4.10 % |
| 6 Months Jump Up | 4.07 % | 4.15 % |
| 12 Months Jump Up | 3.98 % | 4.05 % |
| 24 Months Jump Up | 3.69 % | 3.75 % |
| 36 Months Jump Up | 3.88 % | 3.95 % |
| 48 Months Jump Up | 3.93 % | 4.00 % |
| 60 Months Jump Up | 3.98 % | 4.05 % |
We’re here to help
Call or Text
(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm
Submit a Question to our Support Team
or send us a message from inside online banking.