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Loan Rates -   

Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Effective Date: Thursday, September 19th, 2019
YearTermMonthly Payment per $1,000APR* As Low As
2018 and Newer Up to 60 Months $20.91 2.990% APR*
  Up to 72 Months $18.18 2.990% APR*
  Up to 84 Months $16.76 3.990% APR*
2016-2017 Up to 60 Months $20.91 2.990% APR*
2011-2015 Up to 48 Months $25.52 3.990% APR*
2009-2010 Up to 36 Months $33.14 5.490% APR*
1999-2008 Up to 24 Months $47.00 5.490% 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. Contact loans@UnitedOne.org for details. Normal credit standards apply. Call for additional rates.

Secured Loans RVs and Boats - Extended Terms Available!
Effective Date: Thursday, September 19th, 2019
YearTermMonthly Payment per $1,000APR* As Low As
2018 and newer - 20 ft. minimum for extended terms Up to 240 Months (minimum $50,000 loan) $11.94 6.990%
  Up to 180 Months (minimum $30,000 loan) $12.21 5.990%
  Up to 120 Months ($10,000 loan) $14.24 5.490%
  Up to 72 Months ($10,000 loan) $18.18 2.990%
  Up to 60 Months $20.91 2.990%
2016-2017 Up to 180 Months (minimum $30,000 loan) $12.21 5.990%
  Up to 120 Months ($10,000 loan) $14.24 5.490%
  Up to 72 Months ($10,000 loan) $18.18 2.990%
  Up to 60 Months $20.91 2.990%
1999-2015 Up to 120 Months ($10,000 loan) $14.82 6.490%
  Up to 72 Months ($10,000 loan) $18.94 4.490%
  Up to 60 Months $21.65 4.490%
1998 and Older Up to 60 Months $22.66 6.490%
*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. Call for additional rates.

Savings (Share) Secured Loans
Effective Date: Thursday, September 19th, 2019
TermMonthly Payment per $1,000APR* As Low As
Up to 72 Months $18.44 3.500%
*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. Call for additional rates.

IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)
Effective Date: Thursday, September 19th, 2019
TermMonthly Payment per $1,000APR* As Low As
Up to 24 months $47.58 6.740%
Up to 48 Months $27.87 8.740%
Up to 72 Months $22.29 10.740%
*APR= Annual Percentage Rate. Your rate will vary based on your creditworthiness; rate stated is for borrowers with excellent credit history. Stated rate includes minimum $1,000 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. Call for additional rates.

Kwik Cash Line of Credit (Overdraft protection, credit card payoffs, miscellaneous expenses)
Effective Date: Thursday, September 19th, 2019
Payment TermsAPR* 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. Please contact loans@UnitedOne.org for details. Call for additional rates.


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