Personal Rates & Fees

Select an account below to review our competitive personal rates.

Fees

Checking Rates

Interest Checking

Open an Account

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 March 1, 2022. Disclosures (PDF)

Health Savings Account Checking

Contact us to open your account.

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 March 1, 2022. Disclosures (PDF)

Savings Rates

Go Savings (Consumer/IRAs/Business)

Tier

Interest Rate

APY* Range

APY

$0 - $2,499.99

1.980%

2.00% - 2.00%

2.00%

$2,500 - $4,999.99

0.030%

2.00% - 1.01%

0.03%

$5,000 - $24,999.99

0.030%

1.01% - 0.23%

0.03%

$25,000 - $49,999.99

0.030%

0.23% - 0.13%

0.03%

$50,000 - $99,999.99

0.030%

0.13% - 0.08%

0.03%

$100,000 or more

0.030%

0.08% - 0.03%

0.03%

*APY = Annual Percentage Yield. Rates effective as of April 14, 2022. Disclosures (PDF)

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

Open an Account

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 April 14, 2022. Disclosures (PDF)

Savings Deposit Accounts: Special Savings and Reserve Account

Open an Account

Tiers

Interest

APY*

$0.00 - $24,999.99

0.01%

0.01%

$25,000 or more

0.01%

0.01%

*APY = Annual Percentage Yield. Rates effective as of April 14, 2022. Disclosures (PDF)

Certificates of Deposit (CDs)

Open a CD right in online banking

Balance

Terms

Interest

APY*

$500-$19,999.99

6 - 60 months

0.05%-0.50%

0.05%-0.50%

$20,000-$49,999.99

6 - 60 months

0.05%-0.50%

0.05%-0.50%

$50,000 or more

6 - 60 months

0.05%-0.50%

0.05%-0.50%

*APY = Annual Percentage Yield. Rates effective as of April 14, 2022. Penalty for early withdrawal may apply. APY offered may change at any time. Fees could reduce earnings on account. Disclosures (PDF)

Money Market Accounts

Open an Account

Tier

Interest

APY*

$0 – $9,999.99

0.050%

0.050%

$10,000 – $24,999.99

0.050%

0.050%

$25,000 – $49,999.99

0.150%

0.150%

$50,000 – $99,999.99

0.150%

0.150%

$100,000 – $249,999

0.200%

0.200%

$250,000 or more

0.200%

0.200%

*APY = Annual Percentage Yield. Rates effective as of April 14, 2022. Disclosures (PDF)

IRAs and Coverdell Education Savings Accounts

Contact us to open your account

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 April 14, 2022. Penalty for early withdrawal may apply. APY offered may change at any time. Disclosures (PDF)

Rewards Savings Account

Contact us to open your account

Tiers

Interest Rate

APY*

Full Balance

1.98%

2.00%

* APY = Annual Percentage Yield. Rates effective as of April 14, 2022. Disclosures (PDF)

Credit Cards Rates

Platinum Rewards Visa Card

Learn more and apply!

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. 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) 

Classic Credit Card

Learn more and apply!

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. 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) 

Home Loans Rates

Home Loan Rates

Learn more and apply!

Product

Rate

APR*

Points

30 Year Fixed

4.750%

4.941%

1.396

15 Year Fixed

4.125%

4.371%

.866

5/6 ARM

3.625%

3.445%

0

7/6 ARM

3.750%

3.547%

0

30 Year Fixed First-Time Homebuyer

6.125%

6.195%

0

10/6 ARM Jumbo

3.875%

3.683%

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 5/19/2022 at 7:15 AM

Equity Line Plus

Learn more and apply!

Product

APR

APR Range

Margin

Floor Rate

Max Rate

Fixed Rate Segment for Equity Line Plus - 80% Combined Loan to Value (CLTV) or Less

3.29%

3.29%-13.04%

N/A

N/A

N/A

Principal and Interest Payment Product - 80% Combined Loan to Value (CLTV) or Less

3.74%

3.74%-9.49%

0.24%-5.99%

0.00%

18.00%

Interest Only Payment Product - 80% Combined Loan to Value (CLTV or Less)

4.24%

4.24%-9.99%

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.

Vehicle Loans Rates

New and Used Autos, Vans, Trucks & SUVs (2017 or Newer)

Apply Today!

Repayment period

Min. Loan Amount

APR*

Up to 36 months

$500

1.94% - 14.69%

37-60 months

$5,000

2.44% - 15.19%

61-66 months

$6,000

2.69% - 15.44%

67-75 months

$10,000

2.94% - 15.69%

76-84 months

$15,000

3.19% - 9.69%

Older Autos (2016 or Older): Add 1.25% to ‘New’ rates; maximum term is 75 months.

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

New RV & Boat Loans (2020 or Newer)

Apply Today!

Repayment Period

Min. Loan Amount

APR*

Up to 84 months

$500

3.99% - 16.99%

85 - 120 months

$10,000

4.49% - 17.49%

121 - 144 months

$20,000

4.74% - 17.74%

145 - 180 months

$40,000

5.24% - 18.24%

181 - 240 months

$60,000

6.49% - 19.49%

Used RVs and Boats (2017-2019): Add 0.50% to ‘New’ rates; maximum term is 180 months.

Older RVs and Boats (2016 or Older): Add 1.50% to ‘New’ rates; maximum term is 144 months.

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

New Powersports & Motorcycle Loans (2020 or Newer)

Apply Today!

Repayment Period

Min. Loan Amount

APR*

Up to 84 months

$500

3.99% - 16.99%

85 - 96 months

$15,000

4.99% - 17.99%

Used Powersports and Motorcycles (2017-2019): Add 0.50% to ‘New’ rates; maximum term is 96 months.

Older Powersports and Motorcycles (2016 or Older): Add 2.00% to ‘New’ rates; maximum term is 84 months.

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

Personal Loans Rates

Personal Loan Rates

Apply Today!

Credit Score

APR*

740+

7.49%

739 - 700

7.99%

699 - 660

11.49%

659 - 610

12.99%

609 - 560

15.99%

559 or below

16.99%

*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)

Personal Line of Credit Rates

Apply Today!

Credit Score

APR*

740 +

9.99%

739 - 700

10.49%

699 - 660

13.49%

659 - 610

15.49%

609 - 560

15.74%

559 or below

16.49%

*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)

**Personal Line of Credit rates are variable.

Bicycle Loans

Apply Today!

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

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