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Loans for Your Everyday Life
Allow us to preapprove you for FREE so you can shop smarter!
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Secured Loans
(new & used auto/boat/cycle/camper/snowmobile/Jet Ski/ ATV/other) |
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APRs*
as low as
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Term
(months)
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| 2 years Model years 1998 or newer. As low as |
5.74
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24
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| 3 years Model years 1999 or newer. As low as |
5.74
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36
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| 4 years Model years 2003 or newer. As low as |
5.74
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48
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| 5 years Model years 2005 or newer. As low as |
5.74
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60
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| 6 years Model years 2007 or newer. As low as |
6.24
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72
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| Unsecured Loans (no collateral required) |
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APRs*
as low as
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Term
(months) |
| Kwik Cash Line of Credit/Overdraft Protection As low as |
10.50
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n/a
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| Unsecured/Signature 1 year As low as |
8.99
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12
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| Unsecured/Signature 2 years As low as |
8.99
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24
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| Unsecured/Signature 3 years As low as |
8.99
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36
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| Unsecured/Signature 4 years As low as |
8.99
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48
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If you do not see what you're looking for, please contact us. We'd be more than happy to talk with you!
APR=Annual Percentage Rate. Your secured and unsecured rates will vary based on your creditworthiness; rates posted are for borrowers with excellent credit histories. APRs & terms effective as of 7/03/08 and subject to change. Monthly payments per $1,000 borrowed for a secured loan are $18.35 at 6.24% APR for 72 months with optional single credit life and disability protection.
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SELECT FIRST MORTGAGE & CONSTRUCTION LOANS
(owner occupied; no money down, WHEDA, VA, FHA, commercial & many other types also available)
We can preapprove you for FREE, contact us at homeloans@UnitedOne.org anytime for details!
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Rate
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Points
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APR
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6.0
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0
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6.076
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| 20-Year Fixed* |
6.5
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0
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6.561
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| 30-Year Fixed* |
6.5
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0
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6.547
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3-Year ARM (Adjustable Rates Mortgage) In-house loan
(1-, 2- & 5-Year Also Available)** |
5.50
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0
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4.953
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| Construction |
3.40
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0
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3.99
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Rates and APRs effective 07/3/2008 5:05 p.m. except as noted, subject to change at any time.
Lower rates and APRs may be available depending on points paid. Other loan programs available include no money down options, WHEDA, FHA, State & Federal VA, and more. The fixed interest rates listed are a base rate based on a loan of $120,000 and a down payment of 20%, and a minimum credit score of 720. Your actual interest rate will be based upon your LTV (loan-to-value) and credit score, and other conditions may also apply. Please contact us at 684-0362, 451-8222 or homeloans@UnitedOne.org for details. Private mortgage insurance required on all loans with less than 20% down. Other terms may apply to your situation. Free prequalification & preapproval encouraged. CONSTRUCTION example: $275,000 9-Month with End Loan & $300 Fee, 90% or lower loan-to-value; other options available. **ARM APR based upon our index as of 2/08/08 and subject to change at any time, and based upon an amortization of 30 years. APR=annual percentage rate.
Go To Loan Application | Go To Calculators | Back to Top
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Savings Type
|
Rate |
APY* |
Term |
| Not sure what to do? Park it in our Royal M Money Market PLUS! $50,000** |
2.862 |
2.90 |
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| Royal M Money Market Plus $0-$49,999.99** |
0.499 |
0.50 |
n/a |
| Royal M Money Market $0-$5,000.00** |
0.499
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0.50
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n/a |
| Royal M Money Market $5,000-$14,999.99 |
1.489 |
1.50 |
n/a |
| Royal M Money Market $15,000-$24,999.99 |
1.834 |
1.85 |
n/a |
| Royal M Money Market $25,000 + |
2.227 |
2.25 |
n/a |
Royal M Advantage 9-month Certificate $25,000 + (IRAs eligible)
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2.476 |
2.50 |
9 |
Royal M Advantage 9-month Certificate $10,000-$24,999.99 (IRAs eligible)
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2.231 |
2.25 |
9 |
| Primary Savings, Mates Kids Club and eXtreme Fundz Teen Money Club $5 to open, no monthly fees apply; dividends paid on minimum daily balances of $100 ($25 for members 18 & younger) |
0.499 |
0.50 |
n/a |
| NEW! Welcome Home Checking available to all members holding or originating a 1st or 2nd mortgage with UnitedOne, see details here |
0.99 |
1.00 |
n/a |
| Interest Checking $1,000-$2,499.99 |
0.199 |
0.20 |
n/a |
| Interest Checking $2,500 + |
0.249 |
0.25 |
n/a |
| Christmas Club |
0.750 |
0.750 |
n/a |
| Open Savings IRA (Roth, Traditional, Coverdell/Education), $5 min. to open, $25 to earn dividends |
0.995 |
1.00 |
n/a |
Other savings types available, please contact us for more information.
*APY=Annual Percentage Yield. Rates and yields effective as of 7/03/08 and subject to change.
Back to Top
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| Certificates |
Rate |
APY* |
Term |
** NEW! 18 Month Special ** $5,000 minimum (IRAs eligible)
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3.064 |
3.10 |
18 |
| 90 Day $1,000 (IRAs eligible) |
2.034 |
2.05 |
3 |
| 6 Month $1,000 (IRAs eligible) |
2.280 |
2.30 |
6 |
| 9 month Royal M Advantage $25,000 + (IRAs eligible) |
2.476 |
2.50 |
9 |
| 9 month Royal M Advantage $10,000-$24,999.99 (IRAs eligible) |
2.231 |
2.25 |
9 |
| 1 Year $1,000-$9,999.99 (IRAs eligible) |
2.476 |
2.50 |
12 |
| 1 Year $10,000 + (IRAs eligible) |
2.722
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2.75
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12
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| 2 Year $1,000-$9,999.99 (IRAs eligible) |
2.722 |
2.75 |
24 |
| 2 Year $10,000 + (IRAs eligible) |
2.966 |
3.00 |
24 |
| 4 Year $1,000-$9,999.99 (IRAs eligible) |
2.868 |
2.90 |
48 |
| 4 Year $10,000 + (IRAs eligible) |
4.038 |
4.10 |
48 |
**Other certificates types may be available, please contact us for more information.
*APY=Annual Percentage Yield. Rates and yields effective as of 7/03/08 and subject to change.
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