Deposit Rates:
CDs  |  IRAs  |  Money Market  |  Regular Savings  |  Interest Checking and Optima Checking
HSA Checking  |  Unitus Rewards Checking

Loan Rates:
Mortgage Rates  |  Home Equity Loans & Lines  |  Auto Loans  |  Credit Cards  |  Additional Loans


CDs
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
TierTermDividend RateAPY
$500 - $19,999.993 months2.23%2.25%
 6 months2.28%2.30%
 7 months (^)3.20%3.25%
 7 months (^)(A)3.69%3.75%
 12 months2.57%2.60%
 18 months2.67%2.70%
 24 months2.77%2.80%
 36 months3.11%3.15%
 48 months3.35%3.40%
 60 months & Optima*3.54%3.60%
    
$20,000 - $49,999.993 months2.28%2.30%
 6 months2.33%2.35%
 7 months (^)3.20%3.25%
 7 months (^)(A)3.69%3.75%
 12 months2.62%2.65%
 18 months2.72%2.75%
 24 months2.81%2.85%
 36 months3.15%3.20%
 48 months3.40%3.45%
 60 months & Optima3.59%3.65%
    
$50,000 - Over3 months2.33%2.35%
 6 months2.37%2.40%
 7 months (^)3.20%3.25%
 7 months (^)(A)3.69%3.75%
 12 months2.67%2.70%
 18 months2.77%2.80%
 24 months2.86%2.90%
 36 months3.20%3.25%
 48 months3.45%3.50%
 60 months & Optima3.64%3.70%
(^) The Dividend Rate and APY quoted for the 7-month promotional CD are only available for CDs opened with a $500 minimum balance. Members can make one additional deposit to the certificate with a minimum $500 deposit. Upon renewal, the 7-month CD will roll over into a 6 month CD at the standard rate prevailing at that time. Offer available for a limited time and is exclusive of any other time deposit promotions. Penalty for early withdrawal may apply.

(A) 3.75% APY offer requires Unitus Heritage status or checking account with minimum direct deposit of $250 (3.75% APY will apply after first $250 direct deposit posts to checking account.)

* Optima Club, minimum balance $2,500

Read about obtaining additional insurance coverage on multiple accounts in NCUA's revised brochure, Your Insured Funds, available at the following website: http://www.ncua.gov/Publications/brochures/insured_funds/funds.pdf



IRAs
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
TierTermDividend RateAPY
$500 - $19,999.993 months2.33%2.35%
 6 months2.37%2.40%
 7 months (^)3.20%3.25%
 7 months (^)(A)3.69%3.75%
 12 months**2.67%2.70%
 18 months2.77%2.80%
 24 months2.86%2.90%
 36 months3.20%3.25%
 48 months3.45%3.50%
 60 months & Optima*3.64%3.70%
    
$20,000 - $49,999.993 months2.37%2.40%
 6 months2.52%2.45%
 7 months (^)3.20%3.25%
 7 months (^)(A)3.69%3.75%
 12 months**2.672%2.75%
 18 months2.81%2.85%
 24 months2.91%2.95%
 36 months3.25%3.30%
 48 months3.49%3.55%
 60 months & Optima3.69%3.75%
    
$50,000 - Over3 months2.42%2.45%
 6 months2.47%2.50%
 7 months(^)3.20%3.25%
 7 months(^)(A)3.69%3.75%
 12 months**2.77%2.80%
 18 months2.86%2.90%
 24 months2.96%3.00%
 36 months3.30%3.35%
 48 months3.54%3.60%
 60 months & Optima3.74%3.80%

(^) The Dividend Rate and APY quoted for the 7-month promotional CD are only available for CDs opened with a $500 minimum balance. Members can make one additional deposit to the certificate with a minimum $500 deposit. Upon renewal, the 7-month CD will roll over into a 6 month CD at the standard rate prevailing at that time. Offer available for a limited time and is exclusive of any other time deposit promotions. Penalty for early withdrawal may apply.

(A) 3.75% APY offer requires Unitus Heritage status or checking account with minimum direct deposit of $250 (3.75% APY will apply after first $250 direct deposit posts to checking account.)

* Optima Club, minimum balance $2,500

** 12 month IRA CD, $25 minimum opening balance

Read about obtaining additional insurance coverage on multiple accounts in NCUA's revised brochure, Your Insured Funds, available at the following website: http://www.ncua.gov/Publications/brochures/insured_funds/funds.pdf



Money Market
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
TierDividend RateAPY
$0 - $9,999.991.00%1.00%
$10,000 - $24,999.991.98%2.00%
$25,000 - $49,999.992.96%3.00%
$50,000 - Over3.30%3.35%


Savings
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
TierDividend RateAPY
$0 - $9,999.990.50%0.50%
$10,000 - $24,999.990.75%0.75%
$25,000 or more1.00%1.00%


Interest Checking and Optima Checking
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
TierDividend RateAPY
$0 - $9,999.990.45%0.45%
$10,000.00 - $49,999.990.55%0.55%
$50,000 - Over0.70%0.70%
Interest Checking is free from monthly fees with a minimum balance of $500 and Optima Checking requires no minimum balance but does require that the member be 50 years of age or better.


Health Savings Account (HSA) Checking
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
TierDividend RateAPY
$0 - $2,499.992.47%2.50%
$2,500 - $9,999.992.96%3.00%
$10,000 - $24,999.993.45%3.50%
$25,000 - $49,999.994.27%4.35%
$50,000 - Over4.65%4.75%


Unitus Rewards Checking
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
TierDividend RateAPY
$0.00 - $9,999.990.45%0.45%
$10,000 - $24,999.990.55%0.55%
$25,000 - $49,999.991.98%2.00%
$50,000 - Over2.23%2.25%


Home Equity Loans & Lines
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
Loan TypeRange
Home Equity Line of Credit (HELOC)
80% CLTV5.49% APR* - 9.00% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. The periodic and corresponding ANNUAL PERCENTAGE RATE for variable rate loans are calculated by adding or subtracting a margin to the U.S. Prime rate published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September and December of each calendar year. Any increase or decrease in a variable ANNUAL PERCENTAGE RATE takes effect on the first day of the billing period directly following the month in which we calculate the rate. The ANNUAL PERCENTAGE RATE may vary each quarter. Margin ranges from -0.51% to 3.00% and is based on your credit history and credit qualifications. During the draw period, your monthly payment will be the interest accrued on your outstanding loan balance at the time of statement cut-off. After the draw period, repayment is 1.5% of the outstanding principal balance; ten (10) year draw period / 30 year amortization. Interest only payments are due on the 20th of each month. We will finance up to a maximum of 80% of the appraised value, minus any existing liens. Maximum loan amount is $250K. To calculate the Combined Loan-to-Value, add the new equity loan amount to the balance of the first mortgage and then divide that sum by the value of the home. The maximum Combined Loan-To-Value (CLTV ) for a borrower with an Interest Only first mortgage loan is 80%. Credit Union is required to be in first or second lien position and will not take a second lien position behind an ‘Option Payment' first mortgage (also known as an Option ARM). Minimum loan amount is $5,000. Property must be located in AZ, CA, ID, NV, OR, or WA. “No fees for most loans. Larger or more complex loans may require an appraisal; the estimated cost for this service is $450; An early termination fee of $250 applies for loans closed within the first 24 months of opening. Additional terms apply; contact the Credit Union for more information.
Fixed Rate Equity Loans
80% CLTV
7 Year4.99% APR* - 7.99% APR*
15 Year5.99% APR* - 8.99% APR*
100% CLTV
7 Year6.99% APR* - 9.99% APR*
15 Year7.99% APR* - 10.99% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. The Rates quoted for Fixed Rate Equity Loans include a .25% discount for automatic payment from a Unitus Community Credit Union checking account; Unitus checking account requirement can be waived for Heritage members. If the automatic payment option is canceled during the life of the loan, the rate will subsequently increase by .25%. “No fees for most loans. Larger or more complex loans may require an appraisal; the estimated cost for this service is $450; An early termination fee of $250 applies for loans closed within the first 24 months of opening. We will finance up to 80% of real market or appraised value, minus any existing liens up to $500,000; up to 100% of real market or appraised value, minus any existing liens up to $50,000. The maximum Combined Loan-To-Value (CLTV ) for a borrower with an Interest Only first mortgage loan is 80%. To calculate the CLTV, add the new equity loan amount to the balance of the first mortgage and then divide that sum by the value of the home. Credit Union is required to be in first or second lien position and will not take a second lien position behind an ‘Option Payment' first mortgage (also known as an Option ARM).
Fixed Rate Equity Loans - Investment/Rental
80% CLTV
7 Year7.99% APR* - 10.99% APR*
15 Year8.99% APR* - 11.99% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. The Rates quoted for Fixed Rate Equity Loans include a .25% discount for automatic payment from a Unitus Community Credit Union checking account; Unitus checking account requirement can be waived for Heritage members. Maximum .25% rate discount per loan; rates cannot be combined. If the automatic payment option is canceled during the life of the loan, the rate will subsequently increase by .25%.We will finance up to 80% of appraised value, minus any existing liens up to $50,000. Credit Union is required to be in first or second lien position and will not take a second lien position behind an Interest Only or ‘Option Payment’ first mortgage (also known as an Option ARM). Minimum loan amount $5,000. No loan origination fee or annual maintenance fee apply. However, other third party fees may apply. An early termination fee of $250 applies if loan is closed within 24 months of disbursement. Property must be located in AZ, CA, ID, NV, OR, or WA. Additional terms may apply; contact the Credit Union for more information.
Equity Bridge Loan
80% CLTV
Up to 9 Months8.99% APR* - 11.99% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. We will finance up to 80% of the appraised value, minus any existing liens up to $250,000. Credit Union is required to be in first or second lien position and will not take a second lien position behind an Interest Only or ‘Option Payment’ first mortgage (also known as an Option ARM). Minimum loan amount $5,000. Single payment due nine (9) months from disbursement date for entire loan balance, plus interest. No loan origination fee or annual maintenance fee apply. However, other third party fees apply. Property must be located in AZ, CA, ID, NV, OR, or WA. Additional terms may apply; contact the Credit Union for more information.
Unimproved Land Loan
50% CLTV
15 Year8.99% APR* - 11.99% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. We will finance up to 50% of the appraised value. Property must be zoned residential & cannot exceed five (5) acres. Maximum loan amount $250,000. Credit Union must be in first lien position. No loan origination fee or annual maintenance fee apply. However, other third party fees apply. An early termination fee of $250 applies if loan is closed within 24 months of disbursement. Property must be located in AZ, CA, ID, NV, OR, or WA. Additional terms may apply; contact the Credit Union for more information.


Auto Loans
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
Loan TypeRange
New Autos, Vans, Trucks & SUVs (2005 or Newer)
12 - 60 Months4.99% APR* - 9.99% APR*
61 - 72 Months4.99% APR* - 9.99% APR*
73 - 84 Months4.99% APR* - 9.99% APR*
New Hybrid Autos, Vans, Trucks & SUVs (2005 or Newer)
24 - 60 Months4.49% APR* - 9.49% APR*
61 - 72 Months4.49% APR* - 9.49% APR*
73 - 84 Months4.49% APR* - 9.49% APR*
Used Autos, Vans, Trucks & SUVs (2000 to 2004)
12 - 60 Months5.49% APR* - 10.49% APR*
61 - 72 Months5.49% APR* - 10.49% APR*
Older Autos, Vans, Trucks & SUVs (1999 or Older)
24 - 60 Months6.49% APR* - 11.49% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. We finance up to 100% KBB retail value or MSRP, whichever is less, plus any taxes, title fees, or dealer maintenance contracts. Estimated repayment periods: 12-84 months; 72 month repayment period requires $10,000 minimum loan amount; 84 month repayment period requires $17,000 minimum loan amount (not available on used autos). Max 60 month repayment period for older autos. Dealer maintenance contracts are limited to $3,500. Refinance of a Unitus CCU auto loan requires a minimum loan advance of $1,000, not to exceed KBB. We do not finance reconstructed/salvaged vehicles or lemon law buybacks. Rates include a .25% discount for automatic payment from a Unitus Community Credit Union checking account; Unitus checking account requirement can be waived for Heritage members. If the automatic payment option is canceled during the life of the loan, the rate will subsequently increase by .25%. Additional terms may apply; contact the Credit Union for more information.


Credit Cards
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
Loan TypeRange
Platinum Rewards VISA7.99% APR* - 14.49% APR*
(purchases)
 8.49% APR* - 16.49% APR*
(cash advances)
Classic VISA10.50% APR* - 18.00% APR*
(purchases & cash advances)
Secured VISA10.50% APR* - 18.00% APR*
(purchases & cash advances)
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. Rate for 2nd Quarter 2008: The periodic and corresponding ANNUAL PERCENTAGE RATE for variable rate loans are calculated by adding or subtracting a margin to the U.S. Prime rate published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September and December of each calendar year. Any increase or decrease in a variable ANNUAL PERCENTAGE RATE takes effect on the first day of the billing period directly following the month in which we calculate the rate. The ANNUAL PERCENTAGE RATE may vary each quarter. 25-day grace period on purchases. Platinum Rewards Card: purchase margins range from .49% to 8.49%; cash advance margins range from 2.49% to 10.49%; all margins are based on your credit history and credit qualifications. Floor rate: 7.99%; Cap Rate: 29.00%; Index is U.S Prime Rate; Payments are $10.00 or 3% of the outstanding balance, whichever is greater. No annual fee. Classic and Secured Visa Card margins range from 4.50% to 12.00% and are based on your credit history and credit qualifications. Floor rate: 9.50%; Cap Rate: 21.00%; Index is U.S. Prime Rate; Payments are $10.00 or 3% of outstanding balance, whichever is greater. No annual fee. On Secured Visa Cards, a permanent hold equal to 1.5 times the requested credit limit is placed on funds in the member's Unitus savings account; automatic conversion to an unsecured Visa Classic credit card after 12 consecutive monthly payments made on time. Additional terms may apply; contact the Credit Union for more information.


Additional Loans
Show Rates  |  Hide Rates  |  Rates effective as of May 12th, 2008
Loan TypeRange
New RV (2007 or Newer)
24 - 96 Months6.49% APR* - 9.99% APR*
97 - 120 Months6.74% APR* - 10.24% APR*
121 - 180 Months6.99% APR* - 10.49% APR*
Used RV (2006 or Older)
24 - 84 Months6.99% APR* - 10.49% APR*
85 - 96 Months7.24% APR* - 10.74% APR*
97 - 144 Months7.49% APR* - 10.99% APR*
New Boats (2007 or Newer)
24 - 96 Months6.49% APR* - 9.99% APR*
97 - 120 Months6.74% APR* - 10.24% APR*
121 - 180 Months6.99% APR* - 10.49% APR*
Used Boats (2006 or Older)
24 - 84 Months6.99% APR* - 10.49% APR*
85 - 96 Months7.24% APR* - 10.74% APR*
97 - 144 Months7.49% APR* - 10.99% APR*
New Adventure Loans (2007 or Newer) - Motorcycles, ATVs, Jet Skis, etc.
12 - 60 Months6.49 APR* - 9.99% APR*
61 - 72 Months6.74 APR* - 10.24% APR*
Used Adventure Loans (2004 to 2006) - Motorcycles, ATVs, Jet Skis, etc.
12 - 48 Months6.99% APR* - 10.49% APR*
49 - 60 Months7.24% APR* - 10.74% APR*
Savings-Secured Loan
12 - 36 Months5.50% APR* - 5.50% APR*
37 - 48 Months6.00% APR* - 6.00% APR*
Misc.
Personal8.99% APR* - 14.99% APR*
KWIK Line of Credit9.50% APR* - 16.00% APR*
Advance Loan19.90% APR** - 19.90% APR**
Certificate-Secured Loan
TermRate
Length of certificate3% above the CD earning rate

*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. Additional terms may apply; contact the Credit Union for more information. For RV, Boat, Adventure, Personal and Advance Loans the rate includes a .25% discount for automatic payment from a Unitus Community Credit Union checking account; Unitus checking account requirement can be waived for Heritage members. The KWIK Line of Credit is a variable rate product. Rate for 2nd Quarter 2008: The periodic and corresponding ANNUAL PERCENTAGE RATE for variable rate loans are calculated by adding or subtracting a margin to the U.S. Prime rate published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September and December of each calendar year. Any increase or decrease in a variable ANNUAL PERCENTAGE RATE takes effect on the first day of the billing period directly following the month in which we calculate the rate. The ANNUAL PERCENTAGE RATE may vary each quarter. Margins range from 2.50% to 10.00% and are based on your credit history and credit qualifications. Floor rate: 9.50%; Cap Rate: 19.00%; Index is U.S. Prime Rate; Payments are $10.00 or 3%, whichever is greater, of outstanding balance. No annual fee.

**The rate quoted above includes rate discount for having both direct deposit with Unitus and having automatic payment from a Unitus checking account. The rate increases to 25% if both direct deposit and automatic payment are not elected.