|
Loan Rates
Real Estate Rates
Vehicle Rates
Personal Loan Rates
Loan Calculator
Rates subject to change without prior notice
Real Estate
| Long Term Fixed Rate Mortgage |
|
| Call for Details |
| Home Equity Line of Credit |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| Revolving |
5.00% |
| First Mortgages |
| Effective Date: May 1, 2012 |
| 80% of appraised value or purchase price (whichever is less) Standard closing costs apply. Amortize payments up to 30 years. |
| Term | Rate |
| 5 year Amortization Fixed Rate |
Rates Change Daily |
| 5 year Balloon, up to 30 years Amortization |
Call for Details |
| Second Homes, Camps, Etc. |
| Effective Date: May 1, 2012 |
| Term | Rate |
| 5 year Balloon |
Call for Details |
| Secondary Market Loans |
| Fannie Mae/Freddie Mac |
| Term | Rate |
| 10-30 year fixed rate |
Rates change daily |
| Call for Details |
| Land |
| Effective Date: May 1, 2012 |
| Can lend up to 60% of appraisal amount. |
| Term | Rate |
| 5 year Balloon, up to 30 years Amortization |
Call for Details |
| Construction Loan |
| Effective Date: May 1, 2012 |
| Term | Rate |
| Please contact a mortgage officer for details |
4.95% |
| Mobile Homes |
| Effective Date: May 1, 2012 |
| $200.00 Origination fee. No more than 10 years old. Member pays sales tax. Finance 80% on new and 60% of appraisal value on used. If on land can be treated as REM. |
| Term | Rate |
| New 5 year Balloon |
Rates Change Daily |
| Used 5 year Balloon |
Call for Details |
$200.00 Origination fee. No more than 10 years old. Member pays sales tax. Finance 80% on new and 60% of appraisal value on used. If on land can be treated as REM. |
Vehicle Rates
| New Vehicles |
| Effective Date: May 1, 2012 |
| New Untitled Vehicles Only |
| Term | Rate As Low As* |
| 24 months |
2.50% |
| 36 months |
2.75% |
| 48 months |
2.95% |
| 60 months |
2.95% |
| 72 months |
3.95% |
Restrictions may apply. Ask any loan officer for details. |
| Used Vehicles (2011 & newer*) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
3.00% |
| 36 months |
3.25% |
| 48 months |
3.45% |
| 60 months |
3.45% |
| 72 months |
4.45% |
* less than 20,000 miles. Restrictions may apply. Ask any loan officer for details. |
| Used Vehicles (2007-2010) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
3.00% |
| 36 months |
3.25% |
| 48 months |
3.45% |
| 60 months |
3.45% |
Restrictions may apply. Ask any loan officer for details. |
| Used Vehicle (2003-2006) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
3.00% |
| 36 months |
3.25% |
| 48 months |
3.45% |
Restrictions may apply. Ask any loan officer for details. |
| Used Vehicle (2002 and older) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
3.00% |
| 36 months |
3.25% |
Restrictions may apply. Ask any loan officer for details. |
| New Recreational Vehicles |
| Effective Date: May 1, 2012 |
| Includes boats, snowmobiles, dirt bikes, 4 wheelers etc. |
| Term | Rate As Low As* |
| 24 months |
2.50% |
| 36 months |
2.75% |
| 48 months |
2.95% |
| 60 months |
2.95% |
| 72 months |
3.95% |
Restrictions may apply. Ask any loan officer for details. |
| Used Recreational Vehicles (2011 & newer*) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
2.50% |
| 36 months |
2.75% |
| 48 months |
2.95% |
| 60 months |
2.95% |
| 72 months |
3.95% |
*Less than 20,000 miles. Restrictions may apply. Ask any loan officer for details. |
| Used Recreational Vehicles (2007 - 2010) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
3.00% |
| 36 months |
3.25% |
| 48 months |
3.45% |
| 60 months |
3.45% |
Restrictions may apply. Ask any loan officer for details. |
| Used Recreational Vehicles (2003 - 2006) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
3.00% |
| 36 months |
3.25% |
| 48 months |
3.45% |
Restrictions may apply. Ask any loan officer for details. |
| Used Recreational Vehicles (2002 & older) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 24 months |
3.00% |
| 36 months |
3.25% |
Restrictions may apply. Ask any loan officer for details. |
| Recreational Vehicles (over $15,000) |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| 5 year Balloon |
4.95% |
Personal Loans
| Signature Loan |
| Effective Date: May 1, 2012 |
| Borrow $500 - $5,000 |
| Term | Rate As Low As* |
| 12 months |
9.00% |
| 24 months |
10.00% |
| 36 months |
11.00% |
| 48 months |
12.00% |
| Time Note |
12.00% |
30, 60, 90, 120, 150, 180 day notes. Restrictions may apply. Ask any loan officer for details. |
| Signature Line of Credit |
| Effective Date: May 1, 2012 |
| Term | Rate As Low As* |
| Revolving |
7.00% for the first 12 months then reverts to as low as 0.50% over prime |
| Minimum interest rate after introductory rate expires is 8.50% |
| Share Secured |
| Effective Date: May 1, 2012 |
| Term | Rate |
| 36 months |
6.25% |
| Savings & Money Maker (Amortize up to 10 years.) |
| Varies |
2.00% |
| Over CD Rate (Maturity date of loan must coincide with maturity date of CD) |
| VISA |
| Name | Rate | Term |
| Classic |
9.90% |
No annual fee. Up to $10,000.00 limit to qualified borrowers. |
| Platinum Rewards Card |
8.90% |
No annual fee. Up to $20,000.00 limit to qualified borrowers. |
| Overdraft Loan |
| Rate | Term |
| 15.00% |
Must have a checking account established. $50.00 min payment due on the 28th of each month. Transfers will be made in $50.00 increments to cover the overdraft amount. |
* Rate As Low As based on individual financial history and if you take advantage of the following rate relationship rewards:
0.25% deduction if automatic payment option from a UPCCUshare account is selected
0.25% deduction if direct deposit to a UPCCU share account is selected
|
