You can depend on UnitedOne Credit Union to offer you high-yielding savings and affordable loan options for your everyday life.
Rates are subject to change anytime and were last updated:
September 7, 2010 @ 2:20 p.m.
- APR=Annual Percentage Rate
- APY=Annual Percentage Yield
- ARM=Adjustable Rate Mortgage
- IRA=Individual Retirement Account
First Mortgage/Construction Loans
|
|
Rate
As Low As
|
APR
As Low As
|
Points
|
|
15-year Fixed
|
3.750%
|
3.882%
|
0.00
|
|
20-year Fixed
|
4.250%
|
4.357%
|
0.00
|
|
30-year Fixed
|
4.250%
|
4.329% |
0.00
|
|
1-year ARM
|
3.740%
|
3.065%
|
0.00
|
|
2-year ARM
|
3.990%
|
3.157%
|
0.00
|
|
3-year ARM
|
4.240%
|
3.283%
|
0.00
|
|
5-year ARM
|
4.490%
|
3.536%
|
0.00
|
|
Construction Loan
|
3.400%
|
3.990%
|
0.00
|
Rates are subject to change at any time and without notice. Lower rates and APRs may be available depending on points paid. The fixed interest rates listed are a base rate based on a purchase transaction, owner-occupied single family residence, loan amount of $100,000, down payment of 20%, and minimum credit score of 740. Your actual interest rate will be based upon your specific situation, credit score, and LTV. Homeowners insurance is required. Private mortgage insurance is required on all loans above 80% loan-to-value.
Construction APR based upon a loan amount of $275,000, 9 month construction term.
ARM APR based upon the index as of 12/2/2009, amortization of 30 years, refinance transaction. Interest rates are based on credit score, LTV, and other factors.
Other loan programs are also available, including FHA, State VA, Federal VA, and land loans. Free prequalification and preapproval encouraged! Please contact us at (920) 684-0361 or (920) 451-8222, or homeloans@UnitedOne.org for details.
Home Equity/Second Mortgage Loans
|
|
Rate
As Low As
|
APR
As Low As
|
Term
(Months)
|
|
Home Equity Line of Credit
|
3.990%
|
3.990%
|
n/a
|
|
1-year ARM
|
3.740%
|
3.065%
|
120
|
|
2-year ARM
|
3.990%
|
3.157%
|
120
|
|
3.year ARM
|
4.240%
|
3.283%
|
120
|
|
5-year ARM
|
4.490%
|
3.536%
|
120
|
|
5-year Fixed
|
4.490%
|
4.589%
|
60
|
APRs based upon a loan amount of $25,000 and the index as of 12/2/2009. Rates based upon loan-to-value, creditworthiness, and owner-occupied single family residence. Homeowners insurance required.
Secured Loans - cars, trucks, motorcycles, boats, Jet Skis, RVs, campers, ATVs, snowmobiles
|
|
APR
As Low As
|
Term
(Months)
|
|
2 years, model years 2000 or older
|
3.990%
|
24
|
|
3 years, model years 2001 or newer
|
3.990%
|
36
|
|
4 years, model years 2004 or newer
|
3.990%
|
48
|
|
5 years, model years 2007 or newer
|
3.990%
|
60
|
|
6 years, model years 2009 or newer
|
5.990%
|
72
|
Secured rates will vary based on your creditworthiness; rates posted are for borrowers with excellent credit histories. Monthly payments per $1,000 borrowed for a secured loan are $18.18 at 6.49% APR for 72 months with optional single credit life and disability protection.
|
|
APR
As Low As
|
|
Kwik Cash Line of Credit/Overdraft Protection
|
10.500%
|
|
Unsecured/Signature 1-4 years
|
9.240%
|
Unsecured rates will vary based on your creditworthiness; rates posted are for borrowers with excellent credit histories. Monthly payments per $1,000 borrowed for an unsecured loan are $26.36 at 9.24% APR for 48 months with optional single credit life and disability protection.
|
|
Minimum
To Earn APY
|
Rate
|
APY
|
|
Primary Share
|
$100
|
0.100%
|
0.100%
|
|
Mates Club (ages 0-11)
|
$25
|
0.100%
|
0.100%
|
|
eXtreme Fundz (ages 12-17)
|
$25
|
0.100%
|
0.100%
|
|
Christmas Club
|
$.50
|
0.499%
|
0.500%
|
|
Money Market
|
-
|
0.100%
|
0.100%
|
|
Money Market
|
$5,000
|
0.250%
|
0.250%
|
|
Money Market
|
$15,000
|
0.499%
|
0.500%
|
|
Money Market
|
$25,000
|
0.747%
|
0.750%
|
|
Money Market Premier
|
-
|
0.100%
|
0.100%
|
|
Money Market Premier
|
$50,000
|
0.995%
|
1.000%
|
|
Open Savings IRA
|
$25
|
0.250%
|
0.250%
|
Other savings types available, please contact us for more information.
Share/IRA Certificate Rates
|
|
Minimum
To Earn APY
|
Rate
|
APY
|
|
NEW! 3 Year**
|
$5,000
|
1.887%
|
1.900%
|
|
3 Month*
|
$1,000
|
0.250%
|
0.250%
|
|
6 Month*
|
$1,000
|
0.549%
|
0.550%
|
|
9 Month Premier
|
$50,000
|
1.490%
|
1.500%
|
|
9 Month Advantage
|
$10,000
|
0.995%
|
1.000%
|
|
9 Month Advantage
|
$25,000
|
1.243%
|
1.250%
|
|
1 Year
|
$1,000
|
0.747%
|
0.750%
|
|
1 Year Jumbo
|
$10,000
|
0.946%
|
0.950%
|
|
2 Year
|
$1,000
|
1.045%
|
1.050%
|
|
2 Year Jumbo
|
$10,000
|
1.243%
|
1.250%
|
|
4 Year
|
$1,000
|
1.788%
|
1.800%
|
|
4 Year Jumbo
|
$10,000
|
1.985%
|
2.000%
|
Other certificate types may be available, please contact us for more information. *indicates certificate is not available as an IRA. ** You must be signed up or sign up for e-statments to receive the 1.900% APY for the New 3 Year certificate. APY is 1.750% without e-statments.**
Click
here for system requirements.
|
|
Minimum
To Earn APY
|
Rate
|
APY
|
|
Welcome Home Checking
|
-
|
0.250%
|
0250%
|
|
Dividend Checking
|
$1,000
|
0.050%
|
0.050%
|
|
Dividend Checking
|
$2,500
|
0.050%
|
0.050%
|