Rates

Learn How take.15 off loan rate

 

 

Rates Updated: 11/01/2018

SAVINGS

Savings Type

Minimum balance to earn stated APY

Rate

APY

Share Savings (S1)

$100

0.20%

0.20%

Requires $5.00 to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Secondary Savings (S2)

$100

0.20%

0.20%

No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Share Secured MasterCard (S3)

$100

0.20%

0.20%

Requires a minimum of $500 to open; funds secured for MasterCard. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Christmas Club (S4)

$100

0.20%

0.20%

No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Share Draft (S5)

$300

0.05%

0.05%

$300 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

IRA Share Savings (S9, S10, S11, S12)

$100

0.25%

0.25%

$100 minimum balance to earn dividends. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

 

CERTIFICATES & IRA CDs

Certificate Type

Minimum balance to earn stated APY

Rate

APY

6 Month Certificate

$1,000

0.35%

0.35%

12 Month Certificate

$1,000

0.60%

0.60%

24 Month Certificate

$1,000

0.85%

0.85%

36 Month Certificate

$1,000

1.10%

1.10%

60 Month Certificate

$1,000

1.30%

1.31%

**SPECIAL!**  23 Month Certificate

$1,000

1.90%

1.90%

**SPECIAL!**  23 Month Certificate

$100,000

2.00%

2.02%

APY = Annual Percentage Yield. Rates are subject to change without notice. Penalty for Early Withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. A member may elect interest to be added back to the certificate, deposited to an account or check to be mailed. For more information about certificates call 319-273-2479

 

CONSUMER LOANS

NEW AUTOS AND TRUCKS

As low as APR*

As low as APR*

2016 or Newer models with 20,000 miles or less

100% of NADA Retail

Relationship Rate

Up to 60 Months

3.54%*

3.39%*

61 to 72 Months (Value of vehicle must exceed $20,000 for 72 month loan)

4.34%*

4.19%*

Payment Examples:
*For $20,000 vehicle 100% RTL amortized for 60 months and a 3.39% APR, the monthly payment will be $362.85.
*For $25,000 vehicle 100% RTL amortized for 72 months and a 4.19% APR, the monthly payment will be $393.30.

USED AUTOS AND TRUCKS

As low as APR*

As low as APR*

2014 or Newer models with 20,000 miles or more

100% of NADA Retail (RTL)

Relationship Rate

Up to 60 Months

4.00%*

3.85%*

61 to 66 Months

4.40%*

4.25%*

Payment Examples:
*For $15,000 vehicle 100% RTL amortized for 60 months and a 3.85% APR, the monthly payment will be $275.24.
*For $15,000 vehicle 100% RTL amortized for 66 months and a 4.25% APR, the monthly payment will be $255.27.

As low as APR*

As low as APR*

2012-2013

100% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

4.39%*

4.24%*

49 to 60 Months

4.64%*

4.49%*

Payment Examples:
*For $10,000 vehicle 100% RTL amortized for 48 months and a 4.24% APR, the monthly payment will be $226.87.
*For $10,000 vehicle 100% RTL amortized for 60 months and a 4.49% APR, the monthly payment will be $186.39.

As low as APR*

As low as APR*

2009-2011

100% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

4.94%*

4.79%*

Payment Examples:
*For $8,000 vehicle 100% RTL amortized for 48 months and a 4.79% APR, the monthly payment will be $183.48.

TITLED VEHICLES / CLASSIC AUTOMOBILES

As low as APR*

As low as APR*

2008 & Older

100% of NADA Retail (RTL)

Relationship Rate

Up to 36 Months

8.35%*

8.20%*

10+ year old vehicles – still require full coverage-possible physical inspection required.
Payment Examples:
*For $5,000 vehicle 100% RTL amortized for 36 months and a 8.20% APR, the monthly payment will be $157.15.

NEW MOTORCYCLE

As low as APR*

As low as APR*

2016 or Newer with less than 10,000 miles

90% of NADA Retail (RTL)

Relationship Rate

Up to 60 Months

4.39%*

4.24%*

61 to 72 Months (Value of motorcycle must exceed $20,000 for 72 Month loan)

5.14%*

4.99%*

Payment Examples:
*For $15,000 vehicle 90% RTL amortized for 60 months and a 4.24% APR, the monthly payment will be $277.88.
*For $22,000 vehicle 90% RTL amortized for 72 months and a 4.99% APR, the monthly payment will be $354.21.

USED MOTORCYCLE

As low as APR*

As low as APR*

2014-2015

90% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

4.69%*

4.54%*

49 to 60 Months

5.09%*

4.94%*

Payment Examples:
*For $8,000 vehicle 90% RTL amortized for 48 months and a 4.54% APR, the monthly payment will be $182.58.
*For $8,000 vehicle 90% RTL amortized for 60 months and a 4.94% APR, the monthly payment will be $150.75.

As low as APR*

As low as APR*

2009-2013

100% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

8.34%*

8.19%*

Payment Examples:
*For $5,000 vehicle 100% RTL amortized for 48 months and a 8.19% APR, the monthly payment will be $122.51.

NEW & USED BOATS AND TRAVEL TRAILERS

As low as APR*

As low as APR*

NEW

90% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

6.75%*

6.60%*

49 to 60 Months

7.25%*

7.10%*

Payment Examples:
*For $5,000 vehicle 90% RTL amortized for 48 months and a 6.60% APR, the monthly payment will be $118.82.
*For $8,000 vehicle 90% RTL amortized for 60 months and a 7.10% APR, the monthly payment will be $198.49.

As low as APR*

As low as APR*

USED

80% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

9.75%*

9.60%*

Payment Examples:
*For $5,000 vehicle 80% RTL amortized for 48 months and a 9.60% APR, the monthly payment will be $125.86.

NEW & USED MOTOR HOMES (RVs)

As low as APR*

As low as APR*

NEW

80% of NADA Retail (RTL)

Relationship Rate

Up to 84 Months

5.05%*

4.90%*

Up to 120 Months Amount > $25,000

5.30%*

5.15%*

Payment Examples:
*For $25,000 vehicle 80% RTL amortized for 84 months and a 4.90% APR, the monthly payment will be $352.18.
*For $8,000 vehicle 80% RTL amortized for 120 months and a 5.15% APR, the monthly payment will be $267.00.

As low as APR*

As low as APR*

USED

80% of NADA Retail (RTL)

Relationship Rate

Up to 72 Months 5 Years – Older

6.50%*

6.35%*

Up to 84 Months 3 – 4 Years Old

6.00%*

5.85%*

Up to 96 Months 1 – 2 Years Old

5.75%*

5.60%*

Payment Examples:
*For $15,000 vehicle 80% RTL amortized for 72 months and a 6.35% APR, the monthly payment will be $251.08.
*For $15,000 vehicle 80% RTL amortized for 96 months and a 5.60% APR, the monthly payment will be $194.22.

NEW & USED MOBILE HOMES

As low as APR*

As low as APR*

NEW

80% Appraised Value

Relationship Rate

Up to 60 Months

11.50%*

11.35%*

Up to 120 Months

14.00%*

13.85%*

Payment Examples:
*For $25,000 80% Appraisal amortized for 84 months and a 11.35% APR, the monthly payment will be $547.93.
*For $25,000 80% Appraisal amortized for 120 months and a 13.85% APR, the monthly payment will be $385.91.

As low as APR*

As low as APR*

USED

75% Appraised Value

Relationship Rate

Up to 60 Months

11.50%*

11.35%*

61 to 84 Months

12.50%*

12.35%*

Payment Examples:
*For $5,000 75% RTL amortized for 60 months and a 11.35% APR, the monthly payment will be $109.59.
*For $5,000 75% RTL amortized for 84 months and a 12.35% APR, the monthly payment will be $89.21.
Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

CONSUMER GOODS

Includes fold-down & pick-up campers, garden tractors, off-road motorcycles, mopeds, scooters,
ATVs, computers, household goods, appliances, and snowmobiles.

As low as APR*

As low as APR*

NEW (2017 and 2018)

100% Value

Relationship Rate

Up to 36 Months

7.25%*

7.10%*

37 to 48 Months

8.25%*

8.10%*

Payment Examples:
*For $5,000 100% value amortized for 36 months and a 7.10% APR, the monthly payment will be $154.62.
*For $5,000 100% value amortized for 48 months and a 7.75% APR, the monthly payment will be $122.30.

As low as APR*

As low as APR*

OLD (2016 and older)

80% Value

Relationship Rate

Up to 24 Months

8.75%*

8.60%*

25 to 36 Months

9.75%*

9.60%*

Payment Examples:
*For $4,000 80% RTL amortized for 24 months and a 8.80% APR, the monthly payment will be $182.01.
*For $4,000 80% RTL amortized for 36 months and a 9.60% APR, the monthly payment will be $128.32.

UNSECURED

As low as APR*

As low as APR*

Up to 12 Months

7.25%*

7.10%*

13 to 24 Months

8.25%*

8.10%*

25 to 36 Months

9.50%*

9.35%*

Payment Examples:
*For $2,000 amortized for 12 months and a 7.10% APR, the monthly payment will be $173.15.
*For $5,000 amortized for 36 months and a 9.35% APR, the monthly payment will be $159.82.

SHARE/SHARE CERTIFICATE SECURED

As low as APR*

Share

Up to 60 Months

2%* Above Current Rate

Share Certificate

Maturity at Term

2%* Above Current Rate

Fixed APR
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change.
Must be or become UNI Credit Union member to obtain loan. All loans subject to approval and based on credit.

 

HOME EQUITY

HOME EQUITY LOAN

Advance Amount

As low as APR*

60 Month Fully Amortized
(Minimum credit score required for 100% financing)

80% AVM or Appraised Value

3.50%*

90% AVM or Appraised Value

3.50%*

100% AVM or Appraised Value

4.75%*

96 Month Fully Amortized
(Minimum credit score required for 100% financing)

80% AVM or Appraised Value

4.00%*

90% AVM or Appraised Value

4.25%*

100% AVM or Appraised Value

5.50%*

96 Month Balloon
(Minimum credit score required for 100% financing) Up to 30 Year Amortization

80% AVM or Appraised Value

4.50%*

90% AVM or Appraised Value

5.50%*

100% AVM or Appraised Value

6.75%*

120 Month Fully Amortized
(Minimum credit score required for 100% financing)

80% AVM or Appraised Value

4.50%*

90% AVM or Appraised Value

5.50%*

100% AVM or Appraised Value

6.50%*

Payment Example: $30,000 with a 5 year fixed rate, amortized over a 5 year term at 3.50% APR, the monthly payment will be $545.72. All Loans subject to approval and based on credit.
Payment Example: $60,000 with an 8 year fixed rate, amortized over a 30 year term at 4.00%APR, the monthly payment will be $286.43 with a final balloon payment of $50,524.64. All loans subject to approval and based on credit.
Payment Example: $30,000 with a 10 year fixed rate, amortized over a 10 year term at 4.50% APR, the monthly payment will be $310.90. All loans subject to approval and based on credit.

Fixed APR
AVM = Automated Valuation models
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNI Credit Union member to obtain loan. ALl loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title and search, flood search, recording fee and property valuation when applicable.

HOME EQUITY LINE OF CREDIT

Advance Amount

As low as APR*

Terms (Months)

80% AVM or Appraised Value

3.75%*

120 months

90% AVM or Appraised Value

4.25%*

120 months

Payment Example: $30,000 with a 15 year variable rate, amortized over a 15 year term at 3.75% APR, the monthly payment will be $218.16. All Loans subject to approval and based on credit.
**The 80% Equity Line of Credit variable rate is based on the Prime Rate minus .50 with a variable-rate minimum 4.25% and maximum APR of 18%.
Payment Example: $30,000 with an 15 year variable rate, amortized over a 15 year term at 4.25% APR, the monthly payment will be $225.67. All loans subject to approval and based on credit.
***The 90% Equity Line of Credit variable rate is based on the Prime Rate with a variable-rate minimum 4.25% and maximum APR of 18%.

AVM = Automated Valuation Model
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNI Credit Union member to obtain loan. ALl loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title search, flood search, recording fee and property valuation when applicable.

Fixed APR
AVM = Automated Valuation models
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNI Credit Union member to obtain loan. ALl loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title and search, flood search, recording fee and property valuation when applicable.

FIRST MORTGAGE LOANS

Call (844) 443-4474 for current rates!

Our member-friendly mortgage options include great rates, low fees, and easy financing, all with home loan experts who can answer your questions and guide you toward the best option. Real estate closing costs/fees vary based on loan amount, location and type of loan, so please call us for more information or a quote, or visit our mortgage page for more details.