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Current Rates

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Rates Effective as of March 1, 2010

Savings Accounts¹

Product	Annual Percentage Yield	Minimum Balance
Savings ($0.00 membership fee)	0.15%	$25
Super Share²	0.20%	$2,000
Preferred Money Markets and IRAs
Up to $4,999	0.20%	$0
$5,000 to $24,999	0.30%
$25,000 to $49,999	0.40%
$50,000 to $74,999	0.60%
$75,000 to $99,999	0.80%
$100,000 & above	1.01%
Emergency and Health Savings Accounts
Up to $500	0.20%	$0
$501 to $2,500	0.40%
$2,501 to $10,000	0.60%
$10,001 and above	1.01%
Money Market Account²	0.25%	$5,000
Premier Checking	0.30%	$10,000
rewardU checking*	4.01%	$0

1.Rates are subject to change without notice
2.Maximum of 3 withdrawals per month.
* Click here for full terms and conditions of this account.

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Certificates of Deposit

Product³	Annual Percentage Yield	Minimum Balance
6 months	0.50%	$500
12 months	0.83%	$500
13-month –RELATIONSHIP RATE⁴	1.00%	$1,500
18 months	1.16%	$500
24 months	1.50%	$500
30-month – RELATIONSHIP RATE⁴	2.25%	$2,500
36 months	2.00%	$500
48 months	2.45%	$500
60 months	3.05%	$500

3. All of the above certificates are available as IRA Certificates or Monty Moose Accounts with a minimum deposit of $500 and $250. There is a penalty for early withdrawals and rates are subject to change without notice.

4. Relationship rate pricing requires UCU checking account with direct deposit and automatic payments from your UCU checking account on any UCU loans you may have. Minimum balance for the 13-month CD is $1,500 and minimum balance for the 30-month CD is $2,500.

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Rates Effective as of March 1, 2010

Consumer Loans

VEHICLE LOANS
Program Details: Interest rates below apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 7 model years old. Includes new & used autos, motorcycles, light duty trucks and motor homes.

Loan Type	APR as low as*	Term	Monthly Payment Per $1,000	Min. Loan Amount
New & Used Vehicles	4.25%	12 months	$85.28	$1,000
	4.50%	24 months	$43.66	$1,000
	4.75%	36 months	$29.86	$2,500
	5.25%	48 months	$23.15	$5,000
	5.75%	60 months	$19.22	$12,500
	6.25%	72 months	$16.70	$17,500
	6.75%	84 months	$14.98	$25,000
	7.75%	Up to 120 months	$12.01	$50,000
	Loan to Value Maximums: Lesser of 110% of NADA Retail Value (if available), MSRP less Manufacturer Rebates or Purchase Price.

OTHER SECURED
Program Details: Interest rates below apply to loans secured by non-titled personal recreational collaterals and other chattel. Includes recreational equipment up to 7 model years old (snowmobiles, boats, personal watercrafts, ATVs, campers, 5^th wheels, travel trailers). Includes titled vehicles 8 to 10 model years old. Includes computer and other chattel.

Loan Type	APR as low as*	Term	Monthly Payment Per $1,000	Min. Loan Amount
Other Secured	6.25%	12 months	$86.20	$1,000
	6.50%	24 months	$44.56	$1,000
	6.75%	36 months	$30.77	$2,500
	7.25%	48 months	$24.07	$5,000
	7.75%	60 months	$20.16	$12,500
	8.25%	72 months	$17.66	$17,500
	8.75%	84 months	$15.97	$25,000
	9.75%	Up to 144 months	$11.81	$50,000
	Loan to Value Maximums: Lesser of 110% of NADA Retail Value (if available), MSRP less Manufacturer Rebates or Purchase Price.

PERSONAL LOANS
Program Details: Interest rates below apply to unsecured loans for personal purposes such as debt consolidation, home improvements, vacation, and energy assistance.

Loan Type	APR as low as*	Term	Monthly Payment Per $1,000	Min. Loan Amount	Max. Loan Amount
Personal Loans	7.75%	12 months	$86.90	$500	$25,000
	9.50%	24 months	$45.93	$1,500
	11.25%	36 months	$32.88	$2,000
	13.00%	48 months	$26.84	$2,500
	13.75%	60 months	$23.15	$5,000
	14.75%	72 months	$21.02	$15,000

OTHER CONSUMER LOANS

Loan Type	APR as low as*	Term	Min. Loan Amount	Max. Loan Amount
Linebacker Overdraft Lines of Protection	14.90	N/A	$300	$1,000
Certificate & Share Secured Loans	3.00%	Maximum term of 120 months	N/A	N/A

* Annual Percentage Rate (APR) for the above loans will vary based on borrower’s credit worthiness and selected term. Our loans are risk-based priced to determine the interest rate. Please contact a UCU Loan Representative for more information.

** Loan rate will be calculated at 3% over the dividend rate earned on secured deposit amount.

APPLY NOW FOR A CONSUMER LOAN

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Closed End Home Equity Loans

Product	Annual Percentage Rate	Max. Combined LTV**	Maximum Term in Months
Fixed Rate Home Equity Loans	Rates change daily, please check with UCU for current rates.	80% or 90%	60, 120 or 180 month terms available

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Open End Home Equity Lines of Credit

Product	Annual Percentage Rate	Line Amount	Max. Combined LTV**
Equity Advantage & Interest Only Equity Advantage Variable Rate	2.75%*	$10,000 minimum to $350,000 maximum loan amount	60%

* APR adjusts monthly to prime -0.50% based upon prime rate effective on the 25th day of the previous month. Must retain savings, checking and direct deposit, if not there will be 0.50% increase in the rate. Maximum Annual Percentage Rate that can be applied is 18.00%. As of 8/1/09 WSJ Prime Rate was 3.25% and is subject to change without notice.

Prime Equity & Interest Only Prime Equity

3.25%*

$10,000 minimum to $350,000 maximum loan amount

80%

* APR adjusts monthly to prime + 0.00% based upon prime rate effective on the 25th day of the previous month. Must retain savings, checking and direct deposit, if not there will be 0.50% increase in the rate. Maximum Annual Percentage Rate that can be applied is 18.00%. As of 8/1/09 WSJ Prime Rate was 3.25% and is subject to change without notice.

Home Equity & Interest Only Home Equity – 90% Max LTV

4.75%*

$10,000 minimum to $250,000 maximum loan amount

90%

* APR adjusts monthly to prime + 1.50% based upon prime rate effective on the 25th day of the previous month. Must retain savings, checking and direct deposit, if not there will be 0.50% increase in the rate. Must retain savings, checking and direct deposit. Maximum Annual Percentage Rate that can be applied is 18.00%.

Investment Property Secured – Home Equity and Interest Only Home Equity

5.25%*

$10,000 minimum to $50,000 maximum loan amount

80%

* APR adjusts monthly based upon prime rate effective on the 25th day of the previous month. Must retain savings, checking and direct deposit, if not there will be 0.50% increase in the rate. Maximum Annual Percentage Rate that can be applied is 18.00%.

** Combined loan-to-value is equal to your first mortgage balance plus any second mortgage balance or maximum line amount divided by the value of the property. UCU will determine the method used to assess the property value.

Mortgages

UCU offers a variety of mortgage products to meet all your home loan needs.

10, 15, 20 & 30 year Fixed Rate Mortgages
3, 5 & 7 year Adjustable Rate Mortgages
Fixed Rate Mobile Home Loans
Land Loans

Click here for daily mortgage rates or call us today!

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