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UPCCU Rates

Rates

Vehicle Rates

New Vehicles
Effective Date: Sunday, October 21st, 2018
New Untitled Vehicles Only
TermAnnual Percentage Rate
All loan rates shown below are "As Low As." Individual rates are based on credit performance.
36 months 2.25%
48 months 2.75%
60 months 3.00%
72 months 3.45%
84 months 4.95%

Used Vehicles (2016 & newer*)
Effective Date: Sunday, October 21st, 2018
TermAnnual Percentage Rate
36 months 2.25%
48 months 2.75%
60 months 3.00%
72 months 3.95%

* less than 20,000 miles. Restrictions may apply. Ask any loan officer for details.

Used Vehicles (2015 & Older)
Effective Date: Sunday, October 21st, 2018
TermAnnual Percentage Rate
36 months 2.25%
48 months 2.75%
60 months 3.00%

Restrictions may apply. Ask any loan officer for details.

New Recreational Vehicles
Effective Date: Sunday, October 21st, 2018
Includes boats, snowmobiles, dirt bikes, 4 wheelers etc.
TermAnnual Percentage Rate
24 months 2.25%
36 months 2.25%
48 months 3.25%
60 months 3.45%
72 months 4.45%

Restrictions may apply. Ask any loan officer for details.

Used Recreational Vehicles (2016 & newer*)
Effective Date: Sunday, October 21st, 2018
TermAnnual Percentage Rate
24 months 2.25%
36 months 2.25%
48 months 3.25%
60 months 3.45%
72 months 4.45%

*Less than 20,000 miles.  Restrictions may apply.  Ask any loan officer for details.

Used Recreational Vehicles (2015 & Older)
Effective Date: Sunday, October 21st, 2018
TermAnnual Percentage Rate
24 months 2.25%
36 months 2.25%
48 months 3.25%
60 months 3.45%

Restrictions may apply. Ask any loan officer for details.

Personal Loans

Signature Loan
Effective Date: Sunday, October 21st, 2018
Borrow $500 - $5,000
TermAnnual Percentage Rate
12 months 7.95%
24 months 8.95%
36 months 9.95%
48 months 10.95%
Time Note 12.75%

30, 60, 90, 120, 150, 180 day notes.  Restrictions may apply.  Ask any loan officer for details.

Signature Line of Credit
Effective Date: Sunday, October 21st, 2018
TermAnnual Percentage Rate
Revolving 7.00% for the first 12 months.
Minimum interest rate after introductory rate expires is 8.50%

Share Secured
Effective Date: Sunday, October 21st, 2018
TermAnnual Percentage Rate
36 months 6.25%
Savings & Money Maker
CD Secured CD Rate + 2.00%
Over CD Rate (Maturity date of loan must coincide with maturity date of CD)

UPCCU Credit Card
NameAnnual Percentage RateTerm
Business as low as 8.90% No annual fee.
Consumer as low as 8.90% No annual fee.

Overdraft Loan
Annual Percentage RateTerm
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.

Saving Rates

Shares & Vacation Club
Effective Date: Sunday, October 21st, 2018
TermsAPYRate
Minimum balance of $100.00 to earn quarterly dividends. If under 18 years of age, only $5.00 min balance required to earn quarterly dividends. 0.20% 0.20%

Christmas Club
Effective Date: Sunday, October 21st, 2018
TermsAPYRate
No minimum balance. Dividends paid quarterly. 0.20% 0.20%

Money Maker
Effective Date: Sunday, October 21st, 2018
Dividend paid monthly
TermsAPYRate
On balances from $100.00 - $2,499.99 0.20% 0.20%
On balances from $2,500.00 - $9,999.99 0.30% 0.30%
On balances from $10,000.00 - $24,999.99 0.35% 0.35%
On balances from $25,000.00 - $49,999.99 0.40% 0.40%
On balances from $50,000.00 and over 0.50% 0.50%

Share Drafts
TermsAPYRate
No dividends paid on draft accounts.    

IRA Accounts
Effective Date: Sunday, October 21st, 2018
TermsAPYRate
On balances from $0.01 and up.
Dividends paid quarterly.
0.75% 0.75%

Share Certificates

Penalty for early withdrawal (To be calculated at date of redemption)

Share Certificates
Effective Date: Sunday, October 21st, 2018
All Share Certificates require $1,000.00 minimum deposit.
TermAPYRateDividends
6 month 0.50% 0.50% Paid quarterly
12 month 0.75% 0.75% Paid quarterly
24 month 1.46% 1.45% Paid quarterly
36 month 1.76% 1.75% Paid quarterly
48 month 2.02% 2.00% Paid quarterly
60 month 2.12% 2.10% Paid quarterly

Certificate Special
Effective Date: Sunday, October 21st, 2018
TermsAPYRateDividends
13 month 2.02% 2.00% Paid quarterly
19 Month 2.52% 2.50% Paid quarterly
25 month 2.68% 2.65% Paid quarterly

 

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