Rates

Prime Share Savings: Personal, Health Savings Account, and IRA

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 »

Savings Deposit Accounts: Special Savings and Reserve Account

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 »

Certificates of Deposit (CDs)

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 »

Money Market Accounts

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 »

IRAs and Coverdell Education Savings 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 »

Health Savings Account 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 Checking Accounts »

Home Loans

Product

Rates

APR*

Points

*APR = Annual Percentage Rate. See full disclosures >>

30 Year Fixed

3.875%

4.029%

1.25

20 Year Fixed

3.625%

3.836%

1.25

15 Year Fixed

3.250%

3.520%

1.25

10 Year Fixed

3.250%

3.641%

1.25

5/1 ARM

3.375%

3.826%

0

7/1 ARM

3.625%

3.872%

0

10/1 ARM

3.750%

3.895%

0

Learn more about Home Loans »

Jumbo Loans

Product

Rates

APR*

Points

*APR = Annual Percentage Rate. See full disclosures >>

15 Year Fixed Jumbo

3.500%

3.545%

0

10 Year Fixed Jumbo

3.500%

3.565%

0

5/1 ARM Jumbo

3.375%

3.803%

0

10/1 ARM Jumbo

3.750%

4.155%

0

Learn more about Jumbo Loans »

Equity Line Plus

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

4.49%-10.24%

0.24%-5.99%

4.49%-10.24%

18.00%

Interest Only Payment Product - 85% Combined Loan to Value (CLTV or Less)

4.99%-10.74%

0.74%-6.49%

4.99%-10.74%

18.00%

Fixed Rate Segment for Equity Line Plus - 85% Combined Loan to Value (CLTV) or Less

5.99%-12.54%

N/A

N/A

N/A

Learn more about Equity Line Plus »

Vehicle Loans

Auto Loans: New Autos, Vans, Trucks & SUVs (2015 or Newer)

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

2.39% - 14.64%

37-60 months

$5,000

2.89% - 15.14%

61-66 months

$6,000

3.14% - 15.39%

67-75 months

$10,000

3.39% - 15.64%

76-84 months

$15,000

3.64% - 9.64%

Learn more about Auto Loans »

Auto Loans: Used Autos, Vans, Trucks & SUVs (Model Years 2014 - 2012)

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

2.89% - 15.14%

37 - 60 months

$5,000

3.14% - 15.39%

61 - 66 months

$6,000

3.39% - 15.64%

67 - 75 months

$10,000

3.64% - 15.89%

76 - 84 months

$15,000

3.89% - 9.89%

Learn more about Auto Loans »

Auto Loans: Older Autos, Vans, Trucks & SUVs (Model Years 2011 or older)

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

3.89% - 16.14%

49 - 60 months

$5,000

4.14% - 16.39%

61 - 66 months

$6,000

4.39% - 16.64%

67 - 75 months

$10,000

4.89% - 17.14%

Learn more about Auto Loans »

New Large Recreational Vehicle Loans (2015 or Newer)

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 »

Used Large Recreational Vehicle Loans (2012 - 2014)

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% - 14.75%

61 - 64 months

$15,000

5.24% - 15.25%

85 - 144 months

$25,000

6.75% - 15.75%

Learn more about RV, Boat and Motorcycle Loans »

Older Large Recreational Vehicle Loans (2011 or Older)

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% - 15.50%

61 - 84 months

$15,000

5.99% - 16.00%

85 - 144 months

$25,000

7.25% - 16.25%

Learn more about RV, Boat and Motorcycle Loans »

New Small Recreational Vehicle Loans (2015 or Newer)

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 »

Used Small Recreational Vehicle Loans (2012-2014)

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% - 14.50%

61 - 72 months

$10,000

5.24% - 14.75%

73 - 84 months

$15,000

5.24% - 15.00%

Learn more about RV, Boat and Motorcycle Loans »

Older Small Recreational Vehicle Loans (2011 or Older)

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.

Disclosures (PDF) »

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 »

Bicycle 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.)

Disclosures PDF »

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

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.)

Disclosures (PDF) »

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 »

KWIK - Personal Line of Credit

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

14.25%

Learn more about Personal Loans »

Ultimate Payoff Loan

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.

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 July 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+

8.99%

739-700

11.49%

699-660

11.99%

659-610

12.99%

609-560

14.49%

559 or below

16.49%

Learn more about Platinum Rewards Visa Card »

Classic and Secured Credit Cards

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 July 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+

10.99%

739-700

13.49%

699-660

13.99%

659-610

14.99%

609-560

16.49%

559 or below

18.00%

Learn more about Classic and Secured Visa Cards »

Business Interest Checking

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 »

Health Savings Account 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 »

Basic Business Savings Account

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 »

Prime Share Savings: Personal, Health Savings Account, and IRA

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 »

Money Market Accounts

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

Auto Loans: New Autos, Vans, Trucks & SUVs (2015 or Newer)

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

2.39% - 14.64%

37-60 months

$5,000

2.89% - 15.14%

61-66 months

$6,000

3.14% - 15.39%

67-75 months

$10,000

3.39% - 15.64%

76-84 months

$15,000

3.64% - 9.64%

Learn more about Auto Loans »

Auto Loans: Used Autos, Vans, Trucks & SUVs (Model Years 2014 - 2012)

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

2.89% - 15.14%

37 - 60 months

$5,000

3.14% - 15.39%

61 - 66 months

$6,000

3.39% - 15.64%

67 - 75 months

$10,000

3.64% - 15.89%

76 - 84 months

$15,000

3.89% - 9.89%

Learn more about Auto Loans »

Auto Loans: Older Autos, Vans, Trucks & SUVs (Model Years 2011 or older)

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

3.89% - 16.14%

49 - 60 months

$5,000

4.14% - 16.39%

61 - 66 months

$6,000

4.39% - 16.64%

67 - 75 months

$10,000

4.89% - 17.14%

Learn more about Auto Loans »

Business 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 July 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 +

10.99%

739 to 700

12.99%

699 to 660

15.99%

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.

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