Rates
Prime Share Savings: Personal, Health Savings Account, and IRA
|
Tiers |
Dividend |
APY* |
|---|---|---|
$5 - $24,999.99 | 0.01% | 0.01% |
$25,000 or more | 0.01% | 0.01% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
||
Learn more about Prime Share Savings: Personal, Health Savings Accounts, and IRA
Go Savings (Consumer/IRAs/Business)
Temporarily Closed to New Accounts as of 11/1/2020
|
Tier |
Interest Rate |
APY* Range |
APY |
|---|---|---|---|
$0 - $2,499.99 | 1.00% | 1.00% | 1.00% |
$2,500 - $4,999.99 | 0.03% | 1.00% - 0.51% | 0.03% |
$5,000 - $24,999.99 | 0.03% | 0.51% - 0.13% | 0.03% |
$25,000 - $49,999.99 | 0.03% | 0.13% - 0.08% | 0.03% |
$50,000 - $99,999.99 | 0.01% | 0.08% - 0.04% | 0.01% |
$100,000 or more | 0.01% | 0.04% - 0.01% | 0.01% |
|
* APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
|||
Interest Checking
|
Tier |
Interest |
APY* |
|---|---|---|
$0 – $24,999.99 | 0.01% | 0.01% |
$25,000 or more | 0.01% | 0.01% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
||
Learn more about Interest Checking
Savings Deposit Accounts: Special Savings and Reserve Account
|
Tiers |
Interest |
APY* |
|---|---|---|
$0 - $24,999.99 | 0.01% | 0.01% |
$25,000 or more | 0.01% | 0.01% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. 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 | 0.05%-0.15% | 0.05%-0.15% |
$20,000-$49,999.99 | 6 - 60 months | 0.05%-0.15% | 0.05%-0.15% |
$50,000 or more | 6 - 60 months | 0.05%-0.15% | 0.05%-0.15% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. 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 | 0.01% | 0.01% |
$10,000 – $24,999.99 | 0.03% | 0.03% |
$25,000 – $49,999.99 | 0.03% | 0.03% |
$50,000 – $99,999.99 | 0.03% | 0.03% |
$100,000 – $249,999 | 0.05% | 0.05% |
$250,000 or more | 0.05% | 0.05% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. 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 | 0.05%-0.15% | 0.05%-0.15% |
$20,000 - $49,999.99 | 6 months - 60 months | 0.05%-0.15% | 0.05%-0.15% |
$50,000 or more | 6 months - 60 months | 0.05%-0.15% | 0.05%-0.15% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. 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 | 0.05% | 0.05% |
$2,500 - $24,999.99 | 0.05% | 0.05% |
$25,000 - $49,999.99 | 0.05% | 0.05% |
$50,000 or more | 0.05% | 0.05% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
||
Home Loan Rates (Purchase)
|
Product |
Rate |
APR* |
Points |
|---|---|---|---|
30 Year Fixed | 2.875% | 3.002% | .846 |
15 Year Fixed | 2.375% | 2.602% | .819 |
5/6 ARM | 2.625% | 2.767% | 0 |
30 Year Fixed First-Time Homebuyer | 4.125% | 4.187% | 0 |
10/6 ARM Jumbo | 2.875% | 2.870% | 0 |
|
*APR = Annual Percentage Rate. See full disclosures Additional rates and products available. Contact a Mortgage Relationship Officer for details. Home Loan Rates current as of 4/19/2021 at 7:15AM |
|||
Home Loan Rates (Refinance)
|
Product |
Rate |
APR* |
Points |
|---|---|---|---|
30 Year Fixed | 3.000% | 3.117% | .951 |
15 Year Fixed | 2.500% | 2.728% | 1.066 |
5/6 ARM | 2.875% | 2.834% | 0 |
10/6 ARM No-Appraisal | 3.375% | 3.182% | 0 |
10/6 ARM Jumbo | 3.125% | 2.994% | 0 |
|
*APR = Annual Percentage Rate. See full disclosures Additional rates and products available. Contact a Mortgage Relationship Officer for details. Home Loan Rates current as of 4/19/2021 at 7:15AM |
|||
Equity Line Plus
|
Product |
APR |
Margin |
Floor Rate |
Max Rate |
|---|---|---|---|---|
Fixed Rate Segment for Equity Line Plus - 80% Combined Loan to Value (CLTV) or Less | 2.79%-12.54% | N/A | N/A | N/A |
Principal and Interest Payment Product - 80% Combined Loan to Value (CLTV) or Less | 3.49%-9.24% | 0.24%-5.99% | 0.00% | 18.00% |
Interest Only Payment Product - 80% Combined Loan to Value (CLTV or Less) | 3.99%-9.74% | 0.74%-6.49% | 0.00% | 18.00% |
|
Maximum Rate is 18%. Rates above are available for owner occupied, detached single family residential properties only. Please view Disclosures (PDF) for additional information. You may also contact us and ask to speak to the Unitus Residential Equity Loan Department for additional rates, terms, conditions, and fees and/or for a personalized loan quote. |
||||
Learn more about Equity Line Plus
Vehicle Loans
Auto Loan Rates: New Autos, Vans, Trucks & SUVs (2019 or Newer)
|
Repayment period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 36 months | $500 | 2.24% - 14.99% |
37-60 months | $5,000 | 2.74% - 15.49% |
61-66 months | $6,000 | 2.99% - 15.74% |
67-75 months | $10,000 | 3.24% - 15.99% |
76-84 months | $15,000 | 3.49% - 9.99% |
|
*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
||
Auto Loan Rates: Used Autos, Vans, Trucks & SUVs (Model Years 2018 - 2016)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 36 months | $500 | 2.49% - 15.24% |
37 - 60 months | $5,000 | 2.99% - 15.74% |
61 - 66 months | $6,000 | 3.24% - 15.99% |
67 - 75 months | $10,000 | 3.49% - 16.24% |
76 - 84 months | $15,000 | 3.74% - 10.24% |
|
*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
||
Auto Loan Rates: Older Autos, Vans, Trucks & SUVs (Model Years 2015 or older)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 48 months | $500 | 3.74% - 16.49% |
49 - 60 months | $5,000 | 4.24% - 16.99% |
61 - 66 months | $6,000 | 4.49% - 17.24% |
67 - 75 months | $10,000 | 4.74% - 17.49% |
|
*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
||
New Large Recreational Vehicle Loans (2019 or Newer)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 60 months | $5,000 | 4.24% - 14.75% |
61 - 64 months | $15,000 | 5.24% - 15.25% |
85 - 144 months | $25,000 | 6.50% - 15.50% |
145 - 180 months | $50,000 | 6.75% - 15.75% |
|
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 (2016 - 2018)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 60 months | $5,000 | 4.49% - 15.00% |
61 - 64 months | $15,000 | 5.49% - 15.50% |
85 - 144 months | $25,000 | 6.75% - 15.75% |
|
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 (2015 or Older)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 60 months | $5,000 | 5.24% - 15.75% |
61 - 84 months | $15,000 | 6.24% - 16.25% |
85 - 144 months | $25,000 | 7.50% - 16.50% |
|
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 (2019 or Newer)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
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% |
|
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 (2016-2018)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 60 Months | $500 | 4.49% - 14.75% |
61 - 72 months | $10,000 | 5.49% - 15.00% |
73 - 84 months | $15,000 | 5.49% - 15.25% |
|
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 (2015 or Older)
|
Credit Score |
APR* |
|---|---|
740+ | 5.24% |
739 - 700 | 7.00% |
699 - 660 | 8.50% |
659 - 610 | 10.50% |
609 - 560 | 14.50% |
559 or below | 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. 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. |
|
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.) |
|
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
Personal Line of Credit Rates
|
Credit Score |
APR* |
|---|---|
740 + | 9.99% |
739 - 700 | 10.24% |
699 - 660 | 13.24% |
659 - 610 | 15.24% |
609 - 560 | 15.49% |
559 or below | 16.24% |
|
*APR = Annual Percentage Rate. Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%. Disclosures (PDF) |
|
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+ | 7.99% |
739-700 | 10.49% |
699-660 | 10.99% |
659-610 | 11.99% |
609-560 | 13.49% |
559 or below | 15.49% |
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2020. 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+ | 9.99% |
739-700 | 12.49% |
699-660 | 12.99% |
659-610 | 13.99% |
609-560 | 15.49% |
559 or below | 17.49% |
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2020. 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) |
|
Business Interest Checking
|
Tier |
Interest |
APY* |
|---|---|---|
$0 – $24,999.99 | 0.01% | 0.01% |
$25,000 or more | 0.01% | 0.01% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
||
Learn more about Business Interest Checking
Health Savings Account Checking
|
Tiers |
Interest |
APY* |
|---|---|---|
$0 - $2,499.99 | 0.05% | 0.05% |
$2,500 - $24,999.99 | 0.05% | 0.05% |
$25,000 - $49,999.99 | 0.05% | 0.05% |
$50,000 or more | 0.05% | 0.05% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
||
Learn more about Health Savings Account Checking
Basic Business Savings Account
|
Tiers |
Interest |
APY* |
|---|---|---|
$0 – $24,999.99 | 0.01% | 0.01% |
$25,000 or more | 0.01% | 0.01% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
||
Learn more about Basic Business Savings
Prime Share Savings: Personal, Health Savings Account, and IRA
|
Tiers |
Dividend |
APY* |
|---|---|---|
$5 - $24,999.99 | 0.01% | 0.01% |
$25,000 or more | 0.01% | 0.01% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
||
Learn more about Prime Share: Savings, Health Savings Account and IRA
Go Savings (Consumer/IRAs/Business)
Temporarily Closed to New Accounts as of 11/1/2020
|
Tier |
Interest Rate |
APY* Range |
APY |
|---|---|---|---|
$0 - $2,499.99 | 1.00% | 1.00% | 1.00% |
$2,500 - $4,999.99 | 0.03% | 1.00% - 0.51% | 0.03% |
$5,000 - $24,999.99 | 0.03% | 0.51% - 0.13% | 0.03% |
$25,000 - $49,999.99 | 0.03% | 0.13% - 0.08% | 0.03% |
$50,000 - $99,999.99 | 0.01% | 0.08% - 0.04% | 0.01% |
$100,000 or more | 0.01% | 0.04% - 0.01% | 0.01% |
|
* APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF) |
|||
Money Market Accounts
|
Tier |
Interest |
APY* |
|---|---|---|
$0 – $9,999.99 | 0.01% | 0.01% |
$10,000 – $24,999.99 | 0.03% | 0.03% |
$25,000 – $49,999.99 | 0.03% | 0.03% |
$50,000 – $99,999.99 | 0.03% | 0.03% |
$100,000 – $249,999 | 0.05% | 0.05% |
$250,000 or more | 0.05% | 0.05% |
|
*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. 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 (2019 or Newer)
|
Repayment period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 36 months | $500 | 2.24% - 14.99% |
37-60 months | $5,000 | 2.74% - 15.49% |
61-66 months | $6,000 | 2.99% - 15.74% |
67-75 months | $10,000 | 3.24% - 15.99% |
76-84 months | $15,000 | 3.49% - 9.99% |
|
*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
||
Auto Loan Rates: Used Autos, Vans, Trucks & SUVs (Model Years 2018 - 2016)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 36 months | $500 | 2.49% - 15.24% |
37 - 60 months | $5,000 | 2.99% - 15.74% |
61 - 66 months | $6,000 | 3.24% - 15.99% |
67 - 75 months | $10,000 | 3.49% - 16.24% |
76 - 84 months | $15,000 | 3.74% - 10.24% |
|
*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
||
Auto Loan Rates: Older Autos, Vans, Trucks & SUVs (Model Years 2015 or older)
|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 48 months | $500 | 3.74% - 16.49% |
49 - 60 months | $5,000 | 4.24% - 16.99% |
61 - 66 months | $6,000 | 4.49% - 17.24% |
67 - 75 months | $10,000 | 4.74% - 17.49% |
|
*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
||
Business Platinum Rewards Visa Card
|
Credit Score |
APR* |
|---|---|
740 + | 9.99% |
739 to 700 | 11.99% |
699 to 660 | 14.99% |
659 to 610 | 17.99% |
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. Rates effective as of April 1, 2020. 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.