Rates

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

Tiers

Dividend

APY*

$5 - $24,999.99

0.05%

0.05%

$25,000 or more

0.10%

0.10%

*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) »

Learn more about Prime Share Savings: Personal, Health Savings Accounts, and IRA »

Go Savings

Tier

Interest Rate

APY* Range

$0 - $2,499.99

2.47%

2.50%

$2,500 - $4,999.99

1.49%

2.50% - 2.00%

$5,000 - $24,999.99

1.00%

2.00% - 1.20%

$25,000 - $49,999.99

0.50%

1.20% - 0.85%

$50,000 - $99,999.99

0.25%

0.85% - 0.55%

$100,000 or more

0.25%

0.55% - 0.25%

* APY = Annual Percentage Yield. Disclosures (PDF) »

Learn more about Go Savings »

Savings Deposit Accounts: Special Savings and Reserve Account

Tiers

Interest

APY*

$0 - $24,999.99

0.05%

0.05%

$25,000 or more

0.10%

0.10%

*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) »

Learn more about Savings Deposit Accounts: Special Savings and Reserve Accounts »

Certificates of Deposit (CDs)

Balance

Terms

Interest

APY*

$500-$19,999.99

6 - 60 months

0.35%-1.69%

0.35%-1.70%

$20,000-$49,999.99

6 - 60 months

0.40%-1.69%

0.40%-1.70%

$50,000 or more

6 - 60 months

0.45%-1.69%

0.45%-1.70%

*APY = Annual Percentage Yield. Rates effective as of February 1, 2018. Penalty for early withdrawal may apply. APY offered may change at any time. Fees could reduce earnings on account. Disclosures (PDF) »

Learn more about Certificates of Deposit »

Money Market Accounts

Tier

Interest

APY*

$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%

*APY = Annual Percentage Yield. Disclosures (PDF) »

Learn more about Money Market Accounts »

IRAs and Coverdell Education Savings Accounts

Balance

Terms

Interest

APY*

$500 - $19,999.99

6 months - 60 months

0.35% - 1.69%

0.35% - 1.70%

$20,000 - $49,999.99

6 months - 60 months

0.40% - 1.69%

0.40% - 1.70%

$50,000 or more

6 months - 60 months

0.45% - 1.69%

0.45% - 1.70%

*APY = Annual Percentage Yield. Rates effective as of February 1, 2018. Penalty for early withdrawal may apply. APY offered may change at any time. Disclosures (PDF) »

Learn more about IRAs and Coverdell Education Savings Accounts »

Health Savings Account Checking

Tiers

Interest

APY*

$0 - $2,499.99

0.25%

0.25%

$2,500 - $24,999.99

0.50%

0.50%

$25,000 - $49,999.99

0.75%

0.75%

$50,000 or more

1.00%

1.00%

*APY = Annual Percentage Yield. Rates effective as of August 13, 2018. Disclosures (PDF) »

Learn more about Health Savings Checking Accounts »

Home Loan Rates

Product

Rates

APR*

Points

30 Year Fixed

4.875%

5.046%

1.25

20 Year Fixed

4.750%

4.982%

1.25

15 Year Fixed

4.250%

4.540%

1.25

10 Year Fixed

4.250%

4.666%

1.25

5/1 ARM

3.875%

4.644%

0

7/1 ARM

4.000%

4.575%

0

10/1 ARM

3.625%

3.920%

0

30 Year Fixed First-Time Homebuyer

6.125%

6.188%

0

5/5 ARM First-Time Homebuyer

4.875%

5.012%

0

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

Home Loan Rates current as of 10/17/18.

Learn more about Home Loans »

Jumbo Loans

Product

Rates

APR*

Points

15 Year Fixed Jumbo

4.500%

4.563%

0

10 Year Fixed Jumbo

4.500%

4.590%

0

5/1 ARM Jumbo

3.875%

4.621%

0

10/1 ARM Jumbo

3.625%

4.457%

0

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

Jumbo Loan Rates current as of 10/17/18.

Learn more about Jumbo Loans »

Equity Line Plus

Product

APR

Margin

Floor Rate

Max Rate

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

5.24%-10.99%

0.24%-5.99%

5.24%-10.99%

18.00%

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

5.74%-11.49%

0.74%-6.49%

5.74%-11.49%

18.00%

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

3.64%-12.29%

N/A

N/A

N/A

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) »

Learn more about Equity Line Plus »

Vehicle Loans

Auto Loan Rates: New Autos, Vans, Trucks & SUVs (2016 or Newer)

Repayment period

Min. Loan Amount

APR*

Up to 36 months

$500

3.64% - 15.89%

37-60 months

$5,000

4.14% - 16.39%

61-66 months

$6,000

4.39% - 16.64%

67-75 months

$10,000

4.64% - 16.89%

76-84 months

$15,000

4.89% - 10.89%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Learn more about Auto Loans »

Auto Loan Rates: Used Autos, Vans, Trucks & SUVs (Model Years 2015 - 2013)

Repayment Period

Min. Loan Amount

APR*

Up to 36 months

$500

3.89% - 16.14%

37 - 60 months

$5,000

4.39% - 16.64%

61 - 66 months

$6,000

4.64% - 16.89%

67 - 75 months

$10,000

4.89% - 17.14%

76 - 84 months

$15,000

5.14% - 11.14%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Learn more about Auto Loans »

Auto Loan Rates: Older Autos, Vans, Trucks & SUVs (Model Years 2012 or older)

Repayment Period

Min. Loan Amount

APR*

Up to 48 months

$500

5.14% - 17.39%

49 - 60 months

$5,000

5.64% - 17.89%

61 - 66 months

$6,000

5.89% - 18.14%

67 - 75 months

$10,000

6.14% - 18.39%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Learn more about Auto Loans »

New Large Recreational Vehicle Loans (2016 or Newer)

Repayment Period

Min. Loan Amount

APR*

Up to 60 months

$5,000

4.74% - 15.25%

61 - 64 months

$15,000

5.74% - 15.75%

85 - 144 months

$25,000

7.00% - 16.00%

145 - 180 months

$50,000

7.25% - 16.25%

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) »

Learn more about RV, Boat and Motorcycle Loans »

Used Large Recreational Vehicle Loans (2013 - 2015)

Repayment Period

Min. Loan Amount

APR*

Up to 60 months

$5,000

4.99% - 15.50%

61 - 64 months

$15,000

5.99% - 16.00%

85 - 144 months

$25,000

7.25% - 16.25%

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) »

Learn more about RV, Boat and Motorcycle Loans »

Older Large Recreational Vehicle Loans (2012 or Older)

Repayment Period

Min. Loan Amount

APR*

Up to 60 months

$5,000

5.74% - 16.25%

61 - 84 months

$15,000

6.74% - 16.75%

85 - 144 months

$25,000

8.00% - 17.00%

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) »

Learn more about RV, Boat and Motorcycle Loans »

New Small Recreational Vehicle Loans (2016 or Newer)

Repayment Period

Min. Loan Amount

APR*

Up to 60 months

$500

4.74% - 15.00%

61 - 72 months

$10,000

5.74% - 15.25%

73 - 84 months

$15,000

5.74% - 15.50%

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) »

Learn more about RV, Boat and Motorcycle Loans »

Used Small Recreational Vehicle Loans (2013-2015)

Repayment Period

Min. Loan Amount

APR*

Up to 60 Months

$500

4.99% - 15.25%

61 - 72 months

$10,000

5.99% - 15.50%

73 - 84 months

$15,000

5.99% - 15.50%

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) »

Learn more about RV, Boat and Motorcycle Loans »

Older Small Recreational Vehicle Loans (2012 or Older)

Credit Score

APR*

740+

5.74%

739 - 700

7.50%

699 - 660 

9.00%

659 - 610

10.00%

609 - 560

15.00%

559 or below

16.00%

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) »

Learn more about RV, Boat and Motorcycle Loans »

Bicycle Loans

Credit Score

APR*

740+

6.99%

739 - 700

6.99%

699 - 660

6.99%

659 - 610

6.99%

609 - 560

6.99%

559 or below

6.99%

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 »

Learn more about Bicycle Loans »

Personal Loans

Personal Loan Rates

Credit Score

APR*

740+

9.99%

739 - 700

10.49%

699 - 660

13.49%

659 - 610

14.49%

609 - 560

16.99%

559 or below

17.99%

*APR = Annual Percentage Rate. Personal loan 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) »

Learn more about Personal Loans »

KWIK - Personal Line of Credit Rates

Credit Score

APR*

720 +

9.50%

719 - 680

9.50%

679 - 650

9.50%

649 - 620

10.00%

619 or below

15.00%

*APR = Annual Percentage Rate. Kwik – Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%. Disclosures (PDF) »

Learn more about Personal Loans »

Ultimate Payoff Loan Rates

Credit Score

APR*

DPR

740 +

8.99%

0.0246%

739 - 700

8.99%

0.0246%

699 - 660

8.99%

0.0246%

659 - 640

8.99%

0.0246%

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) »

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*

740+

9.74%

739-700

12.24%

699-660

12.74%

659-610

13.74%

609-560

15.24%

559 or below

17.24%

*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of July 1, 2018. 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) »

Learn more about Platinum Rewards Visa Card »

Classic and Secured Credit Cards

Credit Score

APR*

740+

11.74%

739-700

14.24%

699-660

14.74%

659-610

15.74%

609-560

17.24%

559 or below

18.00%

*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of July 1, 2018. 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) »

Learn more about Classic and Secured Visa Cards »

Business Interest Checking

Tier

Interest

APY*

$0 – $24,999.99

0.05%

0.05%

$25,000 or more

0.10%

0.10%

*APY = Annual Percentage Yield. Disclosures (PDF)»

Learn more about Business Interest Checking »

Health Savings Account Checking

Tiers

Interest

APY*

$0 - $2,499.99

0.25%

0.25%

$2,500 - $24,999.99

0.50%

0.50%

$25,000 - $49,999.99

0.75%

0.75%

$50,000 or more

1.00%

1.00%

*APY = Annual Percentage Yield. Rates effective as of August 13, 2018. Disclosures (PDF) »

Learn more about Health Savings Account Checking »

Basic Business Savings Account

Tiers

Interest

APY*

$0 – $24,999.99

0.05%

0.05%

$25,000 or more

0.10%

0.10%

*APY = Annual Percentage Yield. Disclosures (PDF) >>

Learn more about Basic Business Savings »

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

Tiers

Dividend

APY*

$5 - $24,999.99

0.05%

0.05%

$25,000 or more

0.10%

0.10%

*APY = Annual Percentage Yield. Rates effective as of January 3, 2017. Disclosures (PDF) »

Learn more about Prime Share: Savings, Health Savings Account and IRA »

Money Market Accounts

Tier

Interest

APY*

$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%

*APY = Annual Percentage Yield. Disclosures (PDF) »

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 Loan Rates: New Autos, Vans, Trucks & SUVs (2016 or Newer)

Repayment period

Min. Loan Amount

APR*

Up to 36 months

$500

3.64% - 15.89%

37-60 months

$5,000

4.14% - 16.39%

61-66 months

$6,000

4.39% - 16.64%

67-75 months

$10,000

4.64% - 16.89%

76-84 months

$15,000

4.89% - 10.89%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Learn more about Auto Loans »

Auto Loan Rates: Used Autos, Vans, Trucks & SUVs (Model Years 2015 - 2013)

Repayment Period

Min. Loan Amount

APR*

Up to 36 months

$500

3.89% - 16.14%

37 - 60 months

$5,000

4.39% - 16.64%

61 - 66 months

$6,000

4.64% - 16.89%

67 - 75 months

$10,000

4.89% - 17.14%

76 - 84 months

$15,000

5.14% - 11.14%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Learn more about Auto Loans »

Auto Loan Rates: Older Autos, Vans, Trucks & SUVs (Model Years 2012 or older)

Repayment Period

Min. Loan Amount

APR*

Up to 48 months

$500

5.14% - 17.39%

49 - 60 months

$5,000

5.64% - 17.89%

61 - 66 months

$6,000

5.89% - 18.14%

67 - 75 months

$10,000

6.14% - 18.39%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Learn more about Auto Loans »

Business Platinum Rewards Visa Card

Credit Score

APR*

740 +

11.74%

739 to 700

13.74%

699 to 660

16.74%

659 to 610

18.00%

*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of July 1, 2018. 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) »

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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