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Current Rates

UCU strives to offer the most competitive rates and terms possible to our members.

All rates are effective as of July 1, 2010

Savings Accounts

Certificates of Deposit

Consumer Loans

Home Equity Loans & Lines of Credit

Mortgages

SAVINGS ACCOUNTS

Account*	APY**	Minimum Balance
Savings ($0.00 membership fee)	0.15%	$25
Super Share***	0.20%	$2,000
Preferred Money Markets & 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	0.50%
$75,000 to $99,999	0.65%
$100,000 & above	0.80%
Emergency & Health Savings Accounts
Up to $500	0.20%	$0
$501 to $2,500	0.40%
$2,501 to $10,000	0.60%
$10,001 & above	0.70%
Money Market Account***	0.25%	$5,000
Premier Checking	0.30%	$10,000
rewardU Checking****	4.01%	$0

*Rates are subject to change without notice. **APY = Annual Percentage Yield. ***Maximum of 3 withdrawals per month. ****Click here for full terms and disclosures of this account.

CERTIFICATES OF DEPOSIT

Term*	Annual Percentage Yield	Minimum Balance
6-month	0.50%	$500
11-month - SPECIAL RATE	0.85%	$1,500
12-month	0.76%	$500
18-month	1.09%	$500
24-month	1.41%	$500
36-month	2.00%	$500
40-month - SPECIAL RATE	2.30%	$2,500
48-month	2.40%	$500
60-month	2.53%	$500

*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.

CONSUMER LOANS

Apply Today for a UCU Consumer Loan

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	3.74%	12 months	$85.03	$1,000
	4.24%	24 months	$43.53	$2,000
	4.74%	36 months	$29.85	$3,000
	4.99%	48 months	$23.02	$5,000
	5.24%	60 months	$18.98	$7,500
	5.49%	72 months	$16.33	$12,500
	6.49%	84 months	$14.84	$25,000
	7.74%	up to 120 months	$12.00	$50,000

Loan-to-Value Maximums: Lesser of 110% of NADA Retial 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, 5th wheels, travel trailers). Included titled vehicles 8 to 10 model years old. Includes computer and other chattel.

Loan Type	APR as low as*	Term	Monthly Pymt per $1,000	Min. Loan Amount
Other Secured	5.99%	12 months	$86.06	$500
	6.24%	24 months	$44.43	$2,000
	6.49%	36 months	$30.64	$3,000
	6.99%	48 months	$23.94	$5,000
	7.49%	60 months	$20.03	$7,500
	7.99%	72 months	$17.53	$12,500
	8.49%	84 months	$15.83	$17,500
	9.74%	Up to 144 months	$11.80	$50,000

Loan-to-Value Maximums: Lesser of 110% of NADA Retial Value (if available), MSRP less Manufacturer Rebates or Purchase Price.

PERSONAL LOAN 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 Pymt per $1,000	Min. Loan Amount	Max. Loan Amount
Personal Loans	7.74%	12 months	$86.87	$500	$25,000
	9.49%	24 months	$45.91	$1,500
	11.24%	36 months	$32.85	$2,000
	12.99%	48 months	$26.82	$2,500
	13.74%	60 months	$23.13	$5,000
	14.74%	72 months	$21.00	$15,000

OTHER CONSUMER LOANS

Loan Type	APR as low as*	Term	Min. Loan Amount	Max. Loan Amount
Linebacker Overdraft Line of Protection	14.90%	n/a	$300	$5,000
Certificate & Shared Secured Loan**	3.00%	Max 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 FOR A CONSUMER LOAN NOW

HOME EQUITY LOANS & LINES OF CREDIT

UCU offers a variety of Home Equity Programs. From adding a back deck to taking your dream vacation, we have a loan to meet your needs.

Click here for full details of our Home Equity Programs.

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

We are currently offering a 10-Year Mortgage Special* at 3.99%. Call a UCU Loan Officer today for more details.

95% of lesser of purchase price or appraised value. Loan must meet secondary mortgage market requirements. PMI required for LTVs >80%. No adjustment for escrow waiver. APR based upon loan amount of $100,000. Rates effective as of 7/1/10 and are subject to change without notice. Actual interest rates on first mortgage products may vary from published indications based�upon property type,loan purpose, loan-to-value, credit score, property condition, and overall credit risk.