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
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Term | Dividend Rate | APY |
| $500 - $19,999.99 | 3 months | 0.65% | 0.65% |
| 6 months | 0.95% | 0.95% | |
| 9 months | 0.95% | 0.95% | |
| 12 months | 1.24% | 1.25% | |
| 18 months | 1.49% | 1.50% | |
| 24 months | 1.88% | 1.90% | |
| 36 months | 2.37% | 2.40% | |
| 48 months | 2.86% | 2.90% | |
| 60 months & Optima* | 3.11% | 3.15% | |
| $20,000 - $49,999.99 | 3 months | 0.70% | 0.70% |
| 6 months | 1.00% | 1.00% | |
| 9 months | 1.00% | 1.00% | |
| 12 months | 1.29% | 1.30% | |
| 18 months | 1.54% | 1.55% | |
| 24 months | 1.93% | 1.95% | |
| 36 months | 2.42% | 2.45% | |
| 48 months | 2.91% | 2.95% | |
| 60 months & Optima* | 3.15% | 3.20% | |
| $50,000 or more | 3 months | 0.75% | 0.75% |
| 6 months | 1.05% | 1.05% | |
| 9 months | 1.05% | 1.05% | |
| 12 months | 1.34% | 1.35% | |
| 18 months | 1.59% | 1.60% | |
| 24 months | 1.98% | 2.00% | |
| 36 months | 2.47% | 2.50% | |
| 48 months | 2.96% | 3.00% | |
| 60 months & Optima* | 3.20% | 3.25% |
* 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/NewsPublications/Publications/PDF/brochures/insured_funds/funds.pdf
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Term | Dividend Rate | APY |
| $500 - $19,999.99 | 3 months | 0.75% | 0.75% |
| 6 months | 1.05% | 1.05% | |
| 9 months | 1.05% | 1.05% | |
| 12 months** | 1.34% | 1.35% | |
| 18 months | 1.59% | 1.60% | |
| 24 months | 1.98% | 2.00% | |
| 36 months | 2.47% | 2.50% | |
| 48 months | 2.96% | 3.00% | |
| 60 months & Optima* | 3.20% | 3.25% | |
| $20,000 - $49,999.99 | 3 months | 0.80% | 0.80% |
| 6 months | 1.09% | 1.10% | |
| 9 months | 1.09% | 1.10% | |
| 12 months** | 1.39% | 1.40% | |
| 18 months | 1.64% | 1.65% | |
| 24 months | 2.03% | 2.05% | |
| 36 months | 2.52% | 2.55% | |
| 48 months | 3.01% | 3.05% | |
| 60 months & Optima* | 3.25% | 3.30% | |
| $50,000 or more | 3 months | 0.85% | 0.85% |
| 6 months | 1.14% | 1.15% | |
| 9 months | 1.14% | 1.15% | |
| 12 months** | 1.44% | 1.45% | |
| 18 months | 1.69% | 1.70% | |
| 24 months | 2.08% | 2.10% | |
| 36 months | 2.57% | 2.60% | |
| 48 months | 3.06% | 3.10% | |
| 60 months & Optima* | 3.30% | 3.35% |
* 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/NewsPublications/Publications/PDF/brochures/insured_funds/funds.pdf
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Dividend Rate | APY |
| $0 - $9,999.99 | 0.50% | 0.50% |
| $10,000 - $24,999.99 | 1.00% | 1.00% |
| $25,000 - $49,999.99 | 1.09% | 1.10% |
| $50,000 - $99,999.99 | 1.24% | 1.25% |
| $100,000 or more | 1.29% | 1.30% |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Dividend Rate | APY |
| $0 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $24,999.99 | 0.75% | 0.75% |
| $25,000 - $49,999.99 | 0.85% | 0.85% |
| $50,000 or more | 1.05% | 1.05% |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Dividend Rate | APY |
| $0 or more | 0.25% | 0.25% |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Dividend Rate | APY |
| $0 - $9,999.99 | 0.25% | 0.25% |
| $10,000.00 or more | 0.50% | 0.50% |
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.
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Dividend Rate | APY |
| $0 - $2,499.99 | 0.75% | 0.75% |
| $2,500 - $9,999.99 | 1.24% | 1.25% |
| $10,000 - $24,999.99 | 1.74% | 1.75% |
| $25,000 - $49,999.99 | 2.47% | 2.50% |
| $50,000 or more | 2.96% | 3.00% |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Tier | Dividend Rate | APY |
| $0.00 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $24,999.99 | 0.55% | 0.55% |
| $25,000 or more | 1.00% | 1.00% |
| $50,000 or more | 1.24% | 1.25% |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Product | Rate | APR | Points |
| 30 Year Fixed | 5.000% | 5.133% | 0.125 |
| 20 Year Fixed | 4.875% | 5.054% | 0.125 |
| 15 Year Fixed | 4.375% | 4.594% | 0.125 |
| 5/1 Year ARM | 4.250% | 3.652% | 0.125 |
| 3/1 Year ARM | 3.875% | 3.417% | 0.125 |
The rates above assume a conforming loan amount, a combined loan-to-value of 80% or less, excellent credit quality, and no cash out. Your rate will vary depending on a number of factors, including but not limited to, loan amount, loan-to-value, credit quality, purpose of request (refinance, cash out, investment property). We suggest you click on the link below and use our Loan Consultant for a more accurate rate quote. Other terms and conditions apply and rates are not considered locked until you have received and signed a formal lock agreement. Contact us for details.
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Loan Type | Range |
| Home Equity Line of Credit (HELOC) | |
| 80% CLTV | 4.99% APR* - 6.25% 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. After the draw period, repayment will continue to be 1.5% of the outstanding principal balance; ten (10) year draw period / 30 year amortization. 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 $100K. 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' (also known as an Option ARM), an Interest Only, or Jumbo first mortgage. We lend up to 75% CLTV on Manufactured Homes (permanently attached to land and taxed as real property). All manufactured homes require an appraisal. Minimum loan amount is $5,000. Property must be located in AZ, CA, ID, NV, OR, or WA. A $295 origination fee is required. Larger or more complex loans may require an appraisal; the estimated cost for this service is $450. This product is not available on second/vacation homes, investment property, and/or rentals. Additional terms apply; contact the Credit Union for more information. | |
| Fixed Rate Equity Loans | |
| 80% CLTV | |
| 7 Year | 4.99% APR* - 8.99% APR* |
| 10 Year | 5.49% APR* - 9.49% APR* |
| 15 Year | 5.99% APR* - 9.99% APR* |
| 20 Year | 6.49% APR* - 10.49% 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%. Add 0.50% to the rates above if the first position mortgage is a Jumbo Loan. A $295 origination fee is required. Larger or more complex loans may require an appraisal; the estimated cost for this service is $450. We will finance up to 80% of real market or appraised value, minus any existing liens up to $500,000 (up to 75% LTV on 1977 or newer doublewide mobile homes (on owned land) and second/vacation homes). 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). | |
| Unimproved Land Loan | |
| 50% CLTV | |
| 15 Year | 9.49% APR* - 13.49% 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 $50,000. Credit Union must be in first lien position. A $295 origination fee is required and other third party fees may apply. Property must be located in AZ, CA, ID, NV, OR, or WA. Additional terms may apply; contact the Credit Union for more information. | |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Loan Type | Range |
| New Autos, Vans, Trucks & SUVs (2006 or Newer) | |
| 12 - 36 Months | 3.99% APR* - 11.99% APR* |
| 37 - 48 Months | 3.99% APR* - 11.99% APR* |
| 49 - 60 Months | 3.99% APR* - 11.99% APR* |
| 61 - 72 Months | 3.99% APR* - 11.99% APR* |
| 73 - 84 Months | 4.49% APR* |
| New Hybrid Autos, Vans, Trucks & SUVs (2006 or Newer) | |
| 24 - 36 Months | 3.74% APR* - 11.74% APR* |
| 37 - 48 Months | 3.74% APR* - 11.74% APR* |
| 49 - 60 Months | 3.74% APR* - 11.74% APR* |
| 61 - 72 Months | 3.74% APR* - 11.74% APR* |
| 73 - 84 Months | 4.24% APR* |
| Used Autos, Vans, Trucks & SUVs (2001 to 2005) | |
| 12 - 36 Months | 4.99% APR* - 12.99% APR* |
| 37 - 48 Months | 4.99% APR* - 12.99% APR* |
| 49 - 60 Months | 4.99% APR* - 12.99% APR* |
| 61 - 72 Months | 4.99% APR* - 12.99% APR* |
| Older Autos, Vans, Trucks & SUVs (2000 or Older) | |
| 24 - 36 Months | 5.99% APR* - 13.99% APR* |
| 37 - 48 Months | 5.99% APR* - 13.99% APR* |
| 49 - 60 Months | 5.99% APR* - 13.99% APR* |
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. We finance up to 100% NADA retail value MSRP, plus any taxes, title fees, or dealer maintenance contracts. For Older Autos (2000 and older) and autos with over 100K miles we will finance up to 70% of NADA retail value plus any taxes, title fees, or dealer maintenance contracts. Estimated repayment periods: 12-84 months; 72 month repayment period requires $12,000 minimum loan amount; 84 month repayment period requires an applicant credit score of 720 or better and a $22,000 minimum loan amount (not available on used autos). Max 60 month repayment period for older autos. Dealer maintenance contracts are limited to $3,500. 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. | |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Loan Type | Range |
| Platinum Rewards VISA | 7.99% APR* - 11.74% APR* (purchases) |
| 7.99% APR* - 13.74% APR* (cash advances) | |
| Classic VISA | 9.50% APR* - 15.25% APR* (purchases & cash advances) |
| Secured VISA | 9.50% APR* - 15.25% APR* (purchases & cash advances) |
*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. 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. | |
Show Rates | Hide Rates | Rates effective as of November 7th, 2009
| Loan Type | Range |
| New RV (2008 or Newer) | |
| 12 - 96 Months | 6.99% APR* - 12.99% APR* |
| 97 - 120 Months | 7.24% APR* - 13.24% APR* |
| 121 - 180 Months | 7.49% APR* - 13.49% APR* |
| Used RV (2007 or Older) | |
| 12 - 84 Months | 7.99% APR* - 13.99% APR* |
| 85 - 96 Months | 8.24% APR* - 14.24% APR* |
| 97 - 144 Months | 8.49% APR* - 14.49% APR* |
| New Boats (2008 or Newer) | |
| 12 - 96 Months | 6.99% APR* - 12.99% APR* |
| 97 - 120 Months | 7.24% APR* - 13.24% APR* |
| 121 - 180 Months | 7.49% APR* - 13.49% APR* |
| Used Boats (2007 or Older) | |
| 12 - 84 Months | 7.99% APR* - 13.99% APR* |
| 85 - 96 Months | 8.24% APR* - 14.24% APR* |
| 97 - 144 Months | 8.49% APR* - 14.49% APR* |
| New Adventure Loans (2008 or Newer) - Motorcycles, ATVs, Jet Skis, etc. | |
| 12 - 60 Months | 6.99 APR* - 12.99% APR* |
| 61 - 72 Months | 7.24 APR* - 13.24% APR* |
| Used Adventure Loans (2005 to 2007) - Motorcycles, ATVs, Jet Skis, etc. | |
| 12 - 48 Months | 7.99% APR* - 13.99% APR* |
| 49 - 60 Months | 8.24% APR* - 14.24% APR* |
| Savings-Secured Loan | |
| 12 - 36 Months | 5.50% APR* - 5.50% APR* |
| 37 - 48 Months | 6.00% APR* - 6.00% APR* |
| Misc. | |
| Personal | 9.49% APR* - 19.49% APR* |
| KWIK Line of Credit | 9.50% APR* - 13.25% APR* |
| Bicycle Loan | 6.99% APR** |
| Advance Loan | 18.00% APR*** - 18.00% APR*** |
| Certificate-Secured Loan | |
| Term | Rate |
| Length of certificate | 3% 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. 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. **APR=ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. Rate includes a .50% discount for direct deposit and automatic payment from a Unitus Rewards Checking account. Minimum $250; maximum $3000. Maximum loan term is 24 months. Applies to new purchase only. Additional terms may apply, contact Unitus for more information. Loan term based on amount borrowed. *** Requires direct deposit and automatic payment from a Unitus account. Additional restrictions apply; contact the Credit Union for more information | |
Unitus Community Credit Union, ©2009
Phone: (800) 452 0900 | mail@unitusccu.com
Phone: (800) 452 0900 | mail@unitusccu.com