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Rates Updated: 05/20/2020

SAVINGS

Savings Type

Minimum balance to earn stated APY

Rate

APY

Share Savings (S1)

$100

0.20%

0.20%

Requires $5.00 to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Secondary Savings (S2)

$100

0.20%

0.20%

No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Share Secured MasterCard (S3)

$100

0.20%

0.20%

Requires a minimum of $500 to open; funds secured for MasterCard. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Christmas Club (S4)

$100

0.20%

0.20%

No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

Share Draft (S5)

$300

0.05%

0.05%

$300 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

IRA Share Savings (S9, S10, S11, S12)

$100

0.25%

0.25%

$100 minimum balance to earn dividends. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

CERTIFICATES & IRA CDs

Certificate Type

Minimum balance to earn stated APY

Rate

APY

6-Month Certificate

$1,000

0.35%

0.35%

12-Month Certificate

$1,000

0.40%

0.40%

24-Month Certificate

$1,000

0.60%

0.60%

36-Month Certificate

$1,000

.90%

.90%

60-Month Certificate

$1,000

1.30%

1.31%

*NEW*  3-Month Certificate

$500

.25%

.25%

*NEW* 12-Month Youth Certificate
Add-on CD-restrictions apply

$50-$499
$500-$999
$1,000-plus

.35%
.45%
.50%

.35%
.45%
.50%

APY = Annual Percentage Yield. Rates are subject to change without notice. Penalty for Early Withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. A member may elect interest to be added back to the certificate, deposited to an account or check to be mailed. For more information about certificates call 319-273-2479

NEW & USED AUTO

NEW AUTOS AND TRUCKS

 

As low as APR*

As low as APR*

2018 or Newer models with 20,000 miles or less

100% of NADA Retail

Relationship Rate

Up to 60 Months

2.94%*

2.79%*

61 to 72 Months (Value of vehicle must exceed $20,000 for 72 month loan)

3.14%*

2.99%*

Payment Examples:
*For $20,000 vehicle 100% RTL amortized for 60 months and a 2.79% APR, the monthly payment will be $358.00.
*For $25,000 vehicle 100% RTL amortized for 72 months and a 2.99% APR, the monthly payment will be $380.00.

USED AUTOS AND TRUCKS

 

As low as APR*

As low as APR*

2016-17 models with 20,000 miles or more

100% of NADA Retail (RTL)

Relationship Rate

Up to 66 Months

3.20%*

3.05%*

Payment Example:
*For $15,000 vehicle 100% RTL amortized for 66 months and a 3.05% APR, the monthly payment will be $248.

 

As low as APR*

As low as APR*

2014-15

100% of NADA Retail (RTL)

Relationship Rate

Up to 60 Months

3.60%*

3.45%*

Payment Example:
*For $10,000 vehicle 100% RTL amortized for 60 months and a 3.45% APR, the monthly payment will be $182.00.

 

As low as APR*

As low as APR*

2011-13

100% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

3.94%*

3.79%*

Payment Example:
*For $8,000 vehicle 100% RTL amortized for 48 months and a 3.79% APR, the monthly payment will be $180.00.

TITLED VEHICLES / CLASSIC AUTOMOBILES

 

As low as APR*

As low as APR*

2010 & Older

100% of NADA Retail (RTL)

Relationship Rate

Up to 36 Months

6.84%*

6.69%*

If vehicle is 10+ years old, full insurance coverage is required. If vehicle is purchased through private sale, credit union must complete visual inspection.
Payment Example:
*For $5,000 vehicle 100% RTL amortized for 36 months and a 6.69% APR, the monthly payment will be $154.00.

NEW MOTORCYCLE

 

As low as APR*

As low as APR*

2018 or Newer with less than 10,000 miles

90% of NADA Retail (RTL)

Relationship Rate

Up to 60 Months

3.49%*

3.34%*

61 to 72 Months (Value of motorcycle must exceed $20,000 for 72 Month loan)

4.04%*

3.89%*

Payment Examples:
*For $15,000 vehicle 90% RTL amortized for 60 months and a 3.34% APR, the monthly payment will be $272.00.
*For $22,000 vehicle 90% RTL amortized for 72 months and a 3.89% APR, the monthly payment will be $344.00.
If motorcycle is purchased through private sale, visual inspection is required.

USED MOTORCYCLE

 

As low as APR*

As low as APR*

2015-17

100% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

4.19%*

4.04%*

Up to 60 Months

4.30%*

4.15%*

Payment Examples:
*For $8,000 vehicle 100% RTL amortized for 48 months and a 4.04% APR, the monthly payment will be $181.00.
*For $8,000 vehicle 100% RTL amortized for 60 months and a 4.15% APR, the monthly payment will be $148.00.
If motorcycle is purchased through private sale, visual inspection is required.

 

As low as APR*

As low as APR*

2014 & Older

80% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

6.59%*

6.44%*

Payment Example:
*For $5,000 vehicle 80% RTL amortized for 48 months and a 6.44% APR, the monthly payment will be $122.00.
If motorcycle is purchased through private sale, visual inspection is required.

NEW & USED BOATS AND TRAVEL TRAILERS

 

As low as APR*

As low as APR*

NEW

90% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

6.75%*

6.60%*

49 to 60 Months

7.25%*

7.10%*

Payment Examples:
*For $5,000 vehicle 90% RTL amortized for 48 months and a 6.60% APR, the monthly payment will be $118.82.
*For $8,000 vehicle 90% RTL amortized for 60 months and a 7.10% APR, the monthly payment will be $198.49.

 

As low as APR*

As low as APR*

USED

80% of NADA Retail (RTL)

Relationship Rate

Up to 48 Months

9.75%*

9.60%*

Payment Example:
*For $5,000 vehicle 80% RTL amortized for 48 months and a 9.60% APR, the monthly payment will be $125.86.

NEW & USED MOTOR HOMES (RVs)

 

As low as APR*

As low as APR*

NEW

80% of NADA Retail (RTL)

Relationship Rate

Up to 84 Months

5.05%*

4.90%*

Up to 120 Months Amount > $25,000

5.30%*

5.15%*

Payment Examples:
*For $25,000 vehicle 80% RTL amortized for 84 months and a 4.90% APR, the monthly payment will be $352.18.
*For $8,000 vehicle 80% RTL amortized for 120 months and a 5.15% APR, the monthly payment will be $267.00.

 

As low as APR*

As low as APR*

USED

80% of NADA Retail (RTL)

Relationship Rate

Up to 72 Months 5 Years – Older

6.50%*

6.35%*

Up to 84 Months 3 – 4 Years Old

6.00%*

5.85%*

Up to 96 Months 1 – 2 Years Old

5.75%*

5.60%*

Payment Examples:
*For $15,000 vehicle 80% RTL amortized for 72 months and a 6.35% APR, the monthly payment will be $251.08.
*For $15,000 vehicle 80% RTL amortized for 96 months and a 5.60% APR, the monthly payment will be $194.22.

NEW & USED MOBILE HOMES

 

As low as APR*

As low as APR*

NEW

80% Appraised Value

Relationship Rate

Up to 60 Months

11.50%*

11.35%*

Up to 120 Months

14.00%*

13.85%*

Payment Examples:
*For $25,000 80% Appraisal amortized for 84 months and a 11.35% APR, the monthly payment will be $547.93.
*For $25,000 80% Appraisal amortized for 120 months and a 13.85% APR, the monthly payment will be $385.91.

 

As low as APR*

As low as APR*

USED

75% Appraised Value

Relationship Rate

Up to 60 Months

11.50%*

11.35%*

61 to 84 Months

12.50%*

12.35%*

Payment Examples:
*For $5,000 75% RTL amortized for 60 months and a 11.35% APR, the monthly payment will be $109.59.
*For $5,000 75% RTL amortized for 84 months and a 12.35% APR, the monthly payment will be $89.21.
Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

CONSUMER LOANS

CONSUMER GOODS

Includes fold-down & pick-up campers, garden tractors, off-road motorcycles, mopeds, scooters,
ATVs, computers, household goods, appliances, and snowmobiles.

 

As low as APR*

As low as APR*

NEW (2017 and 2018)

100% Value

Relationship Rate

Up to 36 Months

7.25%*

7.10%*

37 to 48 Months

8.25%*

8.10%*

Payment Examples:
*For $5,000 100% value amortized for 36 months and a 7.10% APR, the monthly payment will be $154.62.
*For $5,000 100% value amortized for 48 months and a 7.75% APR, the monthly payment will be $122.30.

 

As low as APR*

As low as APR*

OLD (2016 and older)

80% Value

Relationship Rate

Up to 24 Months

8.75%*

8.60%*

25 to 36 Months

9.75%*

9.60%*

Payment Examples:
*For $4,000 80% RTL amortized for 24 months and a 8.80% APR, the monthly payment will be $182.01.
*For $4,000 80% RTL amortized for 36 months and a 9.60% APR, the monthly payment will be $128.32.

UNSECURED

 

As low as APR*

As low as APR*

Up to 12 Months

7.25%*

7.10%*

13 to 24 Months

8.25%*

8.10%*

25 to 36 Months

9.50%*

9.35%*

37 to 48 Months

10.00%**

9.85%**

Payment Examples:
*For $2,000 amortized for 12 months and a 7.10% APR, the monthly payment will be $173.15.
*For $5,000 amortized for 36 months and a 9.35% APR, the monthly payment will be $159.82.
**Applicate must meet Credit Score Qualifications.
For $6,000 amortized for 48 months and a 9.85% APR, the monthly payment will be $151.74.

SHARE/SHARE CERTIFICATE SECURED

 

As low as APR*

 

Share

Up to 60 Months

2%* Above Current Rate

Share Certificate

Maturity at Term

2%* Above Current Rate

Fixed APR
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change.
Must be or become UNITE Credit Union member to obtain loan. All loans subject to approval and based on credit.

HOME EQUITY

HOME EQUITY LOAN

Advance Amount

As low as APR*

60-Month Fully Amortized
Minimum credit score required for financing

90% AVM or Appraised Value

3.50%*

100% AVM or Appraised Value

4.00%*

96-Month Fully Amortized
Minimum credit score required for financing

90% AVM or Appraised Value

3.75%*

100% AVM or Appraised Value

4.25%*

120-Month Balloon
Up to 30-Year Amortization
Minimum credit score required for financing 

90% AVM or Appraised Value

4.25%*

100% AVM or Appraised Value

4.75%*

120-Month Fully Amortized
Minimum credit score required for financing

90% AVM or Appraised Value

4.00%*

100% AVM or Appraised Value

4.50%*

Payment Example: For $30,000 with a 5-year fixed rate, amortized over a 5-year term at 3.50% APR, the monthly payment will be $545.80. All Loans subject to approval and based on credit.
Payment Example: For $60,000 with a 10-year fixed rate, amortized over a 30-year term at 4.25%APR, the monthly payment will be $287.56, with a final balloon payment of $49,092.34. All loans subject to approval and based on credit.
Payment Example: For $30,000 with a 10-year fixed rate, amortized over a 10-year term at 4.00% APR, the monthly payment will be $303.77. All loans subject to approval and based on credit.

Fixed APR
AVM = Automated Valuation models
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNITE Credit Union member to obtain loan. ALl loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title and search, flood search, recording fee and property valuation when applicable.

HOME EQUITY LINE OF CREDIT
Minimum Credit Score Required for Financing

Advance Amount

As low as APR*

Terms (Months)

100% AVM or Appraised Value

3.50%*

120 

Payment Example: For $30,000 with a 15-year variable rate, amortized over a 15-year term at 3.50% APR, the monthly payment will be $214.49. All loans subject to approval and based on credit.
***The 100% Home Equity Line of Credit variable rate is based on Prime Rate, with a variable-rate minimum of Prime Rate and maximum 18.00% APR.

AVM = Automated Valuation Model
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNITE Credit Union member to obtain loan. ALl loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title search, flood search, recording fee and property valuation when applicable.

Fixed APR
AVM = Automated Valuation models
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNITE Credit Union member to obtain loan. ALl loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title and search, flood search, recording fee and property valuation when applicable.

FIRST MORTGAGE LOANS

Call (844) 443-4474 for current rates!

Our member-friendly mortgage options include great rates, low fees, and easy financing, all with home loan experts who can answer your questions and guide you toward the best option. Real estate closing costs/fees vary based on loan amount, location and type of loan, so please call us for more information or a quote, or visit our mortgage page for more details.

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