Rates updated: 04/07/2026
| Savings Type | Minimum balance to earn stated APY | Rate | APY | |
|---|---|---|---|---|
| Share Savings (S1) | $100 | 0.10% | 0.10% | |
| 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 | 0.10% | 0.10% | |
| 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. | ||||
| Money Market (S7) | $1,000.00-$24,999.99 | 1.15% | 1.15% | |
| $25,000.00-49,999.99 | 1.45% | 1.45% | ||
| $50,000.00-99,999.99 | 1.65% | 1.65% | ||
| $100,000.00+ | 1.85% | 1.85% | ||
| Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. 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 | 0.10% | 0.10% | |
| Funds secured for MasterCard. Fees could reduce earnings on account. | ||||
| Christmas Club (S4) | $100 | 0.10% | 0.10% | |
| 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) | $500 | 0.05% | 0.05% | |
| $500 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 | 0.10% | 0.10% | |
| $100 minimum balance to earn dividends. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. | ||||
| Certificate Type | Minimum balance to earn stated APY | Rate | APY | |
|---|---|---|---|---|
| 3-Month Certificate | $500.00 | 2.231% | 2.25% | |
| 6-Month Certificate | $1,000.00 | 1.985% | 2.00% | |
| 12-Month Certificate | $1,000.00 | 1.739% | 1.75% | |
| 24-Month Certificate | $1,000.00 | 1.492% | 1.50% | |
| 36-Month Certificate | $1,000.00 | 1.244% | 1.25% | |
| Youth Certificate- Add On | $0.00- $199.99 | 0.499% | 0.50% | |
| $200.00-$399.99 | 0.747% | 0.75% | ||
| $400.00- $999.99 | 0.996% | 1.00% | ||
| $1000.00- plus | 1.244% | 1.25% |
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.
| 2024 or Newer | 100% of NADA Retail (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 60 Months | 4.89%* | 4.64%* | |
| 61-72 Months | 4.99%* | 4.74%* | |
| 84 Months | 5.09%* | 4.84%* |
Payment Examples:
*For $30,000 vehicle 100% RTL amortized for 60 months and a 4.80% APR, the monthly payment will be $563.38.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2023 | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 60 Months | 4.89%* | 4.64%* | |
| 72 Months | 4.99%* | 4.74%* | |
| 84 Months | 5.19%* | 4.94%* |
Payment Examples:
*For $15,000 vehicle 100% RTL amortized for 60 months and a 4.90% APR, the monthly payment will be $282.38.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2022 | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 60 Months | 5.09%* | 4.84%* | |
| 72 Months | 5.19%* | 4.94%* | |
| 84 Months | 5.39%* | 5.14%* |
Payment Examples:
*For $20,000 vehicle 100% RTL amortized for 72 months and a 5.10% APR, the monthly payment will be $323.02.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2021 | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 60 Months | 5.29%* | 5.04%* | |
| 72 Months | 5.39%* | 5.14%* |
Payment Examples:
*For $15,000 vehicle 100% RTL amortized for 72 months and a 5.15% APR, the monthly payment will be $242.62.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2020 | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 60 Months | 5.29%* | 5.04%* | |
| 72 Months | 5.49%* | 5.24%* |
Payment Examples:
*For $10,000 vehicle 100% RTL amortized for 60 months and a 5.15% APR, the monthly payment will be $189.40
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2019 | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 60 Months | 5.39%* | 5.14%* | |
| 72 Months | 5.59%* | 5.34%* |
Payment Example: *For $8,000 vehicle 100% RTL amortized for 60 months and a 5.35% APR, the monthly payment will be $152.26.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2018 | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 48 Months | 5.49%* | 5.24%* | |
| 66 Months | 5.69%* | 5.44%* |
Payment Example: *For $8,000 vehicle 100% RTL amortized for 48 months and a 5.35% APR, the monthly payment will be $185.50.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2017 | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 48 Months | 5.59%* | 5.34%* | |
| 60 Months | 5.69%* | 5.44%* |
Payment Example: *For $8,000 vehicle 100% RTL amortized for 48 months and a 5.45% APR, the monthly payment will be $185.87.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 2016 and older | 100% of NADA Retail (RTL) (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 48 Months | 7.59%* | 7.34%* | |
| 60 Months | 7.79%* | 7.54%* |
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 48 months and a 7.55% APR, the monthly payment will be $121.01.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
If motorcycle is purchased through private sale, visual inspection is required.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| 90% of NADA Retail (RTL) As low as APR* | Relationship Rate (As low as APR*) | ||
|---|---|---|---|
| Up to $10,000 60 Months | 6.24%* | 5.99%* | |
| $10,001-$15,000 Up to 72 Months | 6.49%* | 6.24%* | |
| $15,001- $25,000 Up to 96 Months | 6.74%* | 6.49%* | |
| $25,001 -$50,000 Up to 120 Months | 7.24%* | 6.99%* | |
| $50,000 and Up 180 Months | 7.74%* | 7.49%* |
Payment Examples:
*For $5,000 boat 90% RTL amortized for 60 months and a 5.99% APR, the monthly payment will be $96.64.
*For a $14,000 travel trailer 90% RTL amortized for 72 months and a 6.24% APR the monthly payment will be $233.61.
*For a $23,000 travel trailer 90% RTL amortized for 96 months and a 6.49% APR the monthly payment will be $307.77.
*For a $50,000 boat 90% RTL amortized for 120 months and a 6.99% APR the monthly payment will be $580.28.
*For a $75,000 motor home 90% amortized for 180 month and a 7.49% APR the monthly payment will be $694.83.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Common uses: lawn mowers, personal computers, pop-up campers, snowmobiles, travel trailers, ATVs, tractors, household appliances, off-road motorcycles, etc.
| 2023- Newer | As low as APR* | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| Up to 36 Months | 8.60%* | 8.35%* | |
| 37 to 48 Months | 9.60%* | 9.35%* |
Payment Examples:
*For $5,000 100% value amortized for 36 months and a 8.35% APR, the monthly payment will be $157.49.
*For $5,000 100% value amortized for 48 months and a 9.35% APR, the monthly payment will be $125.26.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| As low as APR* | Relationship Rate (As low as APR*) | ||
|---|---|---|---|
| Up to 12 Months | 8.25%* | 8.00%* | |
| 13 to 24 Months | 8.45%* | 8.20%* | |
| 25 to 36 Months | 8.70%* | 8.45%* | |
| 37 to 48 Months | 9.70%** | 9.45%** | |
| Up to 60 | 10.70%** | 10.45%** |
Payment Examples:
*For $2,000 amortized for 12 months and a 8.00% APR, the monthly payment will be $173.98.
*For $5,000 amortized for 24 months and a 8.20% APR, the monthly payment will be $226.59.
*For $5,000 amortized for 36 months and a 8.45% APR, the monthly payment will be $157.72.
*For $6,000 amortized for 48 months and a 9.45% APR, the monthly payment will be $150.60.
*For $10,000 amortized for 60 month and a 10.45% APR, the monthly payment will be $214.69.
Maximum limit of $15,000.00
**Applicant must meet Credit Score Qualifications.**
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
| Fixed Rate APR* | ||
|---|---|---|
| $1,000 Up to 6 months | 18.99%* |
| 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.
Does Not Qualify for Relationship Discount
Borrow a fixed amount from your home’s equity to finance just about any project or purpose.
| Advance Amount | As low as APR* | |
|---|---|---|
| 60-Month Fully Amortized Minimum credit score required for financing | ||
| 90% AVM or Appraised Value | 5.74%* | |
| Relationship Discount | 5.49%* | |
| 120-Month Fully Amortized Minimum credit score required for financing | ||
| 90% AVM or Appraised Value | 6.74%* | |
| Relationship Discount | 6.49%* | |
| Add 2% to 5-year or 10-year fixed Home Equity for LTV over 90% 121-180 month Fully Amortized Minimum credit score required for financing | ||
| 90% AVM or Appraised Value | 6.94% | |
| Relationship Discount | 6.69% | |
| 181-240 Fully Amortized Minimum credit score required for financing | ||
| 90% AVM or Appraised Value | 7.69% | |
| Relationship Discount | 7.44% | |
Payment Example: For $30,000 with a 5-year fixed rate, amortized over a 5-year term at 6.04% APR, the monthly payment will be $580.54. All Loans subject to approval and based on credit.
Payment Example: For $60,000 with a 10-year fixed rate, amortized over a 10-year term at 6.54% APR, the monthly payment will be $682.49. All loans subject to approval and based on credit.
Payment Example: At 90% AVM a loan for $120,000 with a 20-year fixed rate, amortized over 20-year term at a 6.70% APR, the monthly payment will be $908.87. All loans subject to approval and based on credit.
All Property Taxes and Insurance will be paid by member
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.
Use your home’s equity to open a line of credit you can borrow from as-needed.
| Advance Amount | As low as APR* | |
|---|---|---|
| 80% AVM or Appraised Value | 6.44% | |
| Relationship Discount | 6.19% |
Payment Example: For $30,000 with a 10-year fixed rate, amortized over a 15-year term at 6.70% APR, the monthly payment will be $264.64. All loans subject to approval and based on credit.
All Property Taxes and Insurance will be paid by member
Fixed 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.
From kitchen upgrades and bathroom remodels to new siding, windows, or even backyard projects, our Home Improvement Loan helps bring your vision to life.
| Term | (As low as APR*) | Relationship Rate (As low as APR*) | |
|---|---|---|---|
| 60 months up to 133% LTV | 7.44%* | 7.19%* | |
| 120 months up to 133% LTV | 8.19%* | 7.94%* |
*Annual Percentage Rate.
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Payment Example: For $20,000 with a 5-year fixed rate, amortized over a 5-year term at 7.64% APR, the monthly payment will be $402.11. All Loans subject to approval and based on credit.
Payment Example: For $50,000 with a 10-year fixed rate, amortized over a 10-year term at 8.20% APR, the monthly payment will be $611.96. All Loans subject to approval and based on credit.
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.
