| Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) |
| Effective Date: Tuesday, September 26th, 2023 |
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2022 and Newer |
Up to 60 Months |
$22.66 |
6.490% APR* |
| |
Up to 72 Months |
$19.98 |
6.490% APR* |
| |
Up to 84 Months |
$18.64 |
7.490% APR* |
| 2020-2021 |
Up to 60 Months |
$22.66 |
6.490% APR* |
| 2015-2019 |
Up to 48 Months |
$27.24 |
7.490% APR* |
| 2013-2014 |
Up to 36 Months |
$34.83 |
8.990% APR* |
| 2003-2012 |
Up to 24 Months |
$48.65 |
8.990% APR* |
| 2002 or older |
Up to 24 Months |
$49.64 |
10.990% APR* |
| *APR= Annual Percentage Rate. Your rate will vary based on your creditworthiness and age of vehicle; rates stated are for borrowers with excellent credit history and loan amount up to 110% of the NADA value. Stated rates include minimum $5,000 new funds advanced, active UOCU checking account, net direct deposit, and automatic payments. Monthly payments per $1,000 borrowed include optional debt protection. Other rates and terms available. Membership Eligibility Required. Contact loans@UnitedOne.org for details. Normal credit standards apply. Call for additional rates. |
| Secured Loans RVs and Boats - Extended Terms Available! |
| Effective Date: Tuesday, September 26th, 2023 |
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2022 and newer - 20 ft. minimum for extended terms |
Up to 240 Months (minimum $50,000 loan) |
$14.54 |
10.490% |
| |
Up to 180 Months (minimum $30,000 loan) |
$14.57 |
9.490% |
| |
Up to 120 Months ($10,000 loan) |
$16.33 |
8.990% |
| |
Up to 72 Months ($10,000 loan) |
$19.98 |
6.490% |
| |
Up to 60 Months |
$22.66 |
6.490% |
| 2020-2021 |
Up to 180 Months (minimum $30,000 loan) |
$14.57 |
9.490% |
| |
Up to 120 Months ($10,000 loan) |
$16.33 |
8.990% |
| |
Up to 72 Months ($10,000 loan) |
$19.98 |
6.490% |
| |
Up to 60 Months |
$22.66 |
6.490% |
| 2003-2019 |
Up to 120 Months ($10,000 loan) |
$16.64 |
9.490% |
| |
Up to 72 Months ($10,000 loan) |
$20.78 |
7.990% |
| |
Up to 60 Months |
$23.44 |
7.990% |
| 2002 and Older |
Up to 60 Months |
$24.49 |
9.990% |
| *APR= Annual Percentage Rate. Your rate will vary based on your creditworthiness; rate stated is for borrowers with excellent credit history and a loan amount up to 100% of the NADA value. Stated rate includes minimum $5,000 new funds advanced, active UOCU checking account, net direct deposit, and automatic payments. Monthly payments per $1,000 borrowed include optional debt protection. Other rates and terms available, please contact loans@UnitedOne.org for details. Normal credit standards apply. Membership Eligibility Required. Call for additional rates. |
| Mortgage Loans* |
| Program Name | Rates As Low As | Points | APR As Low As | Payment |
| 30 Year Fixed (360 months) |
7.250% |
0.00% |
7.414% |
$682.18 |
| 20 Year Fixed (240 months) |
7.000% |
0.00% |
7.211% |
$775.30 |
| 15 Year Fixed (180 months) |
7.000% |
0.00% |
7.263% |
$898.83 |
| *Interest rates and APRs (Annual Percentage Rate) are effective as of 09/22/2023 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a purchase transaction with a loan amount of $100,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. |
| Home Equity Loans* |
| Program Name | Rates As Low As | Points | APR As Low As | Payment |
| 10 Year Fixed (120 Months) |
6.500% |
0.00% |
6.844% |
$283.87 |
| *The interest rate and Annual Percentage Rate (APR) are effective as of 09/15/2023 and subject to change at any time and without notice. Your actual rate will be based on your credit score, loan-to-value (LTV), loan term, and other factors. Closing costs may vary and are paid by the borrower. Your costs can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on 1st mortgage loans above 80% LTV. APR and payment example based upon a home equity loan transaction, a credit score above 740, and 80% LTV with the following terms: $25,000 home equity loan amortized over 10 years (120 months), with an interest rate of 6.500% and a monthly principal and interest payment of $283.87 This payment does not include amounts for taxes and insurance premiums. Offer is subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Other home equity loan options and programs are available. Home equity lines of credit (HELOCs) are not eligible. Membership eligibility is required. Equal Housing Lender. |
| Savings (Share) Secured Loans |
| Effective Date: Tuesday, September 26th, 2023 |
| Term | Monthly Payment per $1,000 | APR* As Low As |
| Up to 72 Months |
$20.26 |
7.000% |
| *APR= Annual Percentage Rate. Monthly payment per $1,000 borrowed includes optional debt protection. Other rates and terms available, please contact loans@UnitedOne.org for details. Normal credit standards apply. Membership Eligibility Required. Call for additional rates. |
| IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses) |
| Effective Date: Tuesday, September 26th, 2023 |
| Term | Monthly Payment per $1,000 | APR* As Low As |
| Up to 24 months |
$49.39 |
10.490% |
| Up to 48 Months |
$29.05 |
10.990% |
| Up to 72 Months |
$23.60 |
12.990% |
*Annual Percentage Rate good on personal loans for credit qualified borrowers. Your rate will vary based on your creditworthiness and loan term; rate stated is for borrowers with excellent credit history. Minimum new money of $1,000.00 with an active UnitedOne checking account, net direct deposit, and automatic payments required to receive the stated rate. Monthly payments per $1,000 borrowed include optional debt protection. Other rates and terms available, please contact loans@UnitedOne.org for details. UnitedOne Credit Union membership required.
|
| Kwik Cash Line of Credit (Overdraft protection, credit card payoffs, miscellaneous expenses) |
| Effective Date: Tuesday, September 26th, 2023 |
| Payment Terms | APR* As Low As |
| The greater of $16.00 or 4.000% of the balance at the time of the last advance |
10.500% |
| *APR = Annual Percentage Rate. Your rate will vary based on your creditworthiness; rate stated is for borrowers with excellent credit history. Other rates and terms available, please contact us for details. Normal credit standards apply. If used for overdraft protection, a $5 transfer fee will be applied to your account for each overdraft from an ATM or one-time debit card transaction. If a transaction is presented and no funds are available in any of your accounts, we may return the item or, if Courtesy Pay is active and funds are available, we may pay the item. Any overdraft transfer fees incurred must be paid back by the next Kwik Cash payment due date. Membership Eligibility Required. Please contact loans@UnitedOne.org for details. Call for additional rates. |
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