Rates
|
Tiers |
Dividend |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) » |
||
|
$5 - $24,999.99 |
0.05% |
0.05% |
|
$25,000 or more |
0.10% |
0.10% |
Learn more about Prime Share Savings: Personal, Health Savings Accounts, and IRA »
|
Tiers |
Interest |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) » |
||
|
$0 - $24,999.99 |
0.05% |
0.05% |
|
$25,000 or more |
0.10% |
0.10% |
Learn more about Savings Deposit Accounts: Special Savings and Reserve Accounts »
|
Balance |
Terms |
Interest |
APY* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Penalty for early withdrawal may apply. APY offered may change at any time. Fees could reduce earnings on account. Disclosures (PDF) » |
|||
|
$500-$19,999.99 |
6 months - 60 months |
0.20%-1.00% |
0.20%-1.00% |
|
$20,000-$49,999.99 |
6 months - 60 months |
0.25%-1.04% |
0.25%-1.05% |
|
$50,000 or more |
6 months - 60 months |
0.30%-1.09% |
0.30%-1.10% |
Learn more about Certificates of Deposit »
|
Tier |
Interest |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Disclosures (PDF) » |
||
|
$0 – $9,999.99 |
0.05% |
0.05% |
|
$10,000 - $24,999.99 |
0.10% |
0.10% |
|
$25,000 or more |
0.15% |
0.15% |
Learn more about Money Market Accounts »
|
Balance |
Terms |
Interest |
APY* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Penalty for early withdrawal may apply. APY offered may change at any time. Disclosures (PDF) » |
|||
|
$500 - $19,999.99 |
6 months - 60 months |
0.20% - 1.00% |
0.20% - 1.00% |
|
$20,000 - $49,999.99 |
6 months - 60 months |
0.25% - 1.04% |
0.25% - 1.05% |
|
$50,000 or more |
6 months - 60 months |
0.30% - 1.09% |
0.30% - 1.10% |
Learn more about IRAs and Coverdell Education Savings Accounts »
|
Tiers |
Interest |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) » |
||
|
$0 - $2,499.99 |
0.75% |
0.75% |
|
$2,500 - $24,999.99 |
1.24% |
1.25% |
|
$25,000 - $49,999.99 |
1.98% |
2.00% |
|
$50,000 or more |
2.47% |
2.50% |
|
Product |
Rates |
APR* |
Points |
|---|---|---|---|
|
*APR = Annual Percentage Rate. See full disclosures >> |
|||
|
30 Year Fixed |
4.000% |
4.056% |
0 |
|
20 Year Fixed |
3.750% |
3.827% |
0 |
|
15 Year Fixed |
3.250% |
3.347% |
0 |
|
10 Year Fixed |
3.125% |
3.266% |
0 |
|
5/1 ARM |
3.000% |
3.541% |
0 |
|
7/1 ARM |
3.375% |
3.629% |
0 |
|
10/1 ARM |
3.500% |
3.651% |
0 |
|
Product |
Rates |
APR* |
Points |
|---|---|---|---|
|
*APR = Annual Percentage Rate. See full disclosures >> |
|||
|
15 Year Fixed Jumbo |
3.250% |
3.347% |
0 |
|
10 Year Fixed Jumbo |
3.125% |
3.266% |
0 |
|
5/1 ARM Jumbo |
3.000% |
3.541% |
0 |
Learn more about Jumbo Loans »
|
Product |
APR |
Margin |
Floor Rate |
Max Rate |
|---|---|---|---|---|
|
Maximum Rate is 18%. Rates above are available for owner occupied, detached 1-4 family residential properties only, please contact the Unitus Equity Department for additional rates and terms. Disclosures (PDF) » |
||||
|
Principal and Interest Payment Product - 85% Combined Loan to Value (CLTV) or Less |
4.24%-9.99% |
0.24%-5.99% |
4.24%-9.99% |
18% |
|
Interest Only Payment Product - 85% Combined Loan to Value (CLTV or Less) |
4.74%-10.49% |
0.74%-6.49% |
4.74%-10.49% |
18% |
|
Fixed Rate Segment for Equity Line Plus - 85% Combined Loan to Value (CLTV) or Less |
5.74%-12.29% |
N/A |
N/A |
N/A |
Learn more about Equity Line Plus »
Vehicle Loans
|
Repayment period |
Min. Loan Amount |
APR* |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 36 months |
$500 |
2.49% - 14.74% |
|
37-60 months |
$5,000 |
2.99% - 15.24% |
|
61-66 months |
$6,000 |
3.24% - 15.49% |
|
67-75 months |
$10,000 |
3.49% - 15.74% |
|
76-84 months |
$15,000 |
3.74% - 9.74% |
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 36 months |
$500 |
2.99% - 15.24% |
|
37 - 60 months |
$5,000 |
3.24% - 15.49% |
|
61 - 66 months |
$6,000 |
3.49% - 15.74% |
|
67 - 75 months |
$10,000 |
3.74% - 15.99% |
|
76 - 84 months |
$15,000 |
3.99% - 9.99% |
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 48 months |
$500 |
3.99% - 16.24% |
|
49 - 60 months |
$5,000 |
4.24% - 16.49% |
|
61 - 66 months |
$6,000 |
4.49% - 16.74% |
|
67 - 75 months |
$10,000 |
4.99% - 17.24% |
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
Large Recreational Vehicles include: Class B & C Motorhomes, Boats, Fifth Wheels, Large Travel Trailers (over 5K lbs dry weight), Campers, and Horse Trailers. *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 60 months |
$5,000 |
3.99% - 14.50% |
|
61 - 64 months |
$15,000 |
4.99% - 15.00% |
|
85 - 144 months |
$25,000 |
6.25% - 15.25% |
|
145 - 180 months |
$50,000 |
6.50% - 15.50% |
Learn more about RV, Boat and Motorcycle Loans »
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
Large Recreational Vehicles include: Class B & C Motorhomes, Boats, Fifth Wheels, Large Travel Trailers (over 5K lbs dry weight), Campers, and Horse Trailers. *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 60 months |
$5,000 |
4.24% APR - 14.75% APR |
|
61 - 64 months |
$15,000 |
5.24% APR - 15.25% APR |
|
85 - 144 months |
$25,000 |
6.75% APR - 15.75% APR |
Learn more about RV, Boat and Motorcycle Loans »
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
Large Recreational Vehicles include: Class B & C Motorhomes, Boats, Fifth Wheels, Large Travel Trailers (over 5K lbs dry weight), Campers, and Horse Trailers. *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 60 months |
$5,000 |
4.99% APR - 15.50% APR |
|
61 - 84 months |
$15,000 |
5.99% APR - 16.00% APR |
|
85 - 144 months |
$25,000 |
7.25% APR - 16.25% APR |
Learn more about RV, Boat and Motorcycle Loans »
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
Small Recreational Vehicles include Motorcycles & Motorized Scooters, Personal Watercraft, ATV/Snowmobiles, Pop-Up Tent/Trailers, and Small Travel Trailers (up to 5K lbs dry weight). *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 60 months |
$500 |
3.99% - 14.25% |
|
61 - 72 months |
$10,000 |
4.99% - 14.50% |
|
73 - 84 months |
$15,000 |
4.99% - 14.75% |
Learn more about RV, Boat and Motorcycle Loans »
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
Small Recreational Vehicles include Motorcycles & Motorized Scooters, Personal Watercraft, ATV/Snowmobiles, Pop-Up Tent/Trailers, and Small Travel Trailers (up to 5K lbs dry weight). *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 60 Months |
$500 |
4.24% APR - 14.50% APR |
|
61 - 72 months |
$10,000 |
5.24% APR - 14.75% APR |
|
73 - 84 months |
$15,000 |
5.24% APR - 15.00% APR |
Learn more about RV, Boat and Motorcycle Loans »
|
Credit Score |
APR* |
|---|---|
|
Small Recreational Vehicles include Motorcycles & Motorized Scooters, Personal Watercraft, ATV/Snowmobiles, Pop-Up Tent/Trailers, and Small Travel Trailers (up to 5K lbs dry weight). *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Repayment period up to 60 months, maximum repayment period is 12 months per $1,000 borrowed (for loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed). We may finance up to 100% of MSRP or NADA retail value for Tier 1 borrowers; for Tier 2-6 borrowers, we may lend up to 80% of MSRP or NADA retail value. |
|
|
740+ |
4.99% |
|
739 - 700 |
6.75% |
|
699 - 660 |
8.25% |
|
659 - 610 |
10.25% |
|
609 - 560 |
14.25% |
|
559 or below |
15.25% |
Learn more about RV, Boat and Motorcycle Loans »
|
Credit Score |
APR* |
|---|---|
|
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 36 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.) |
|
|
740+ |
6.99% |
|
739 - 700 |
6.99% |
|
699 - 660 |
6.99% |
|
659 - 610 |
6.99% |
|
609 - 560 |
6.99% |
|
559 or below |
6.99% |
Learn more about Bicycle Loans »
Personal Loans
|
Credit Score |
APR* |
|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.) |
|
|
740+ |
7.99% |
|
739 - 700 |
8.49% |
|
699 - 660 |
10.99% |
|
659 - 610 |
11.99% |
|
609 - 560 |
15.99% |
|
559 or below |
16.99% |
Learn more about Personal Loans »
|
Credit Score |
APR* |
|---|---|
|
*APR = Annual Percentage Rate. Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%. Disclosures (PDF) » |
|
|
720 + |
9.50% |
|
719 - 680 |
9.50% |
|
679 - 650 |
9.50% |
|
649 - 620 |
9.50% |
|
619 or below |
14.00% |
Learn more about Personal Loans »
|
Credit Score |
APR* |
DPR |
|---|---|---|
|
Minimum loan amount is $2500, maximum loan amount is $5000 to be used for consolidation of existing debt only. A credit score of 640 or better is required. Repayment period is up to 18 months. *APR = Annual Percentage Rate. The annual percentage rate shown includes only interest and does not contain other costs or fees. Disclosures (PDF) » |
||
|
740 + |
8.99% |
0.0246% |
|
739 - 700 |
8.99% |
0.0246% |
|
699 - 660 |
8.99% |
0.0246% |
|
659 - 640 |
8.99% |
0.0246% |
Learn more about Personal Loans »
Student Loans
Student Loan rates are available through Unitus’ Student Loan Center. Visit the Student Loan Center for rates or learn more about Unitus’ Student Loans.
|
Credit Score |
APR* |
|---|---|
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2017. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate. Disclosures (PDF) » |
|
|
740+ |
8.74% |
|
739-700 |
11.24% |
|
699-660 |
11.74% |
|
659-610 |
12.74% |
|
609-560 |
14.24% |
|
559 or below |
16.24% |
Learn more about Platinum Rewards Visa Card »
|
Credit Score |
APR* |
|---|---|
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2017. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate. Disclosures (PDF) » |
|
|
740+ |
10.74% |
|
739-700 |
13.24% |
|
699-660 |
13.74% |
|
659-610 |
14.74% |
|
609-560 |
16.24% |
|
559 or below |
18.00% |
|
Tier |
Interest |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Disclosures (PDF)» |
||
|
$0 – $24,999.99 |
0.05% |
0.05% |
|
$25,000 or more |
0.10% |
0.10% |
Learn more about Business Interest Checking »
|
Tiers |
Interest |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) » |
||
|
$0 - $2,499.99 |
0.75% |
0.75% |
|
$2,500 - $24,999.99 |
1.24% |
1.25% |
|
$25,000 - $49,999.99 |
1.98% |
2.00% |
|
$50,000 or more |
2.47% |
2.50% |
Learn more about Health Savings Account Checking »
|
Tiers |
Interest |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Disclosures (PDF) >> |
||
|
$0 – $24,999.99 |
0.05% |
0.05% |
|
$25,000 or more |
0.10% |
0.10% |
Learn more about Basic Business Savings »
|
Tiers |
Dividend |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) » |
||
|
$5 - $24,999.99 |
0.05% |
0.05% |
|
$25,000 or more |
0.10% |
0.10% |
Learn more about Prime Share: Savings, Health Savings Account and IRA »
|
Tier |
Interest |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Disclosures (PDF) » |
||
|
$0 – $9,999.99 |
0.05% |
0.05% |
|
$10,000 - $24,999.99 |
0.10% |
0.10% |
|
$25,000 or more |
0.15% |
0.15% |
Learn more about Money Market Accounts »
SEP IRAs
Unitus also offers SEP IRAs. For information about rates of Unitus’s SEP IRA plan, please contact us at (503) 227-5571 or (800) 452-0900. You may also send us an email at mail@unitusccu.com. Or learn more about Unitus’s SEP IRAs »
Business Loans
|
Repayment period |
Min. Loan Amount |
APR* |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 36 months |
$500 |
2.49% - 14.74% |
|
37-60 months |
$5,000 |
2.99% - 15.24% |
|
61-66 months |
$6,000 |
3.24% - 15.49% |
|
67-75 months |
$10,000 |
3.49% - 15.74% |
|
76-84 months |
$15,000 |
3.74% - 9.74% |
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 36 months |
$500 |
2.99% - 15.24% |
|
37 - 60 months |
$5,000 |
3.24% - 15.49% |
|
61 - 66 months |
$6,000 |
3.49% - 15.74% |
|
67 - 75 months |
$10,000 |
3.74% - 15.99% |
|
76 - 84 months |
$15,000 |
3.99% - 9.99% |
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
|
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) » |
||
|
Up to 48 months |
$500 |
3.99% - 16.24% |
|
49 - 60 months |
$5,000 |
4.24% - 16.49% |
|
61 - 66 months |
$6,000 |
4.49% - 16.74% |
|
67 - 75 months |
$10,000 |
4.99% - 17.24% |
|
Credit Score |
APR* |
|---|---|
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2017. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate. Disclosures (PDF) » |
|
|
740 + |
10.74% |
|
739 to 700 |
12.74% |
|
699 to 660 |
15.74% |
|
659 to 610 |
18.00% |
Learn more about Business Platinum Rewards Visa Card »
Additional Business Loans
Unitus also offers a number of additional Business Loans. Learn more about Unitus’s Business Loans »
For information about rates of Unitus’ Business Loans, please contact us at (503) 227-5571 or (800) 452-0900. You may also send us an email at mail@unitusccu.com.