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Home > Personal Services > Loans > Auto Loans | Rates from UnitedOne Credit Union

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Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Effective Date: Sunday, October 24th, 2021
YearTermMonthly Payment per $1,000APR* As Low As
2020 and Newer Up to 60 Months $20.18 1.490% APR*
  Up to 72 Months $17.44 1.490% APR*
  Up to 84 Months $15.99 2.490% APR*
2018-2019 Up to 60 Months $20.18 1.490% APR*
2013-2017 Up to 48 Months $24.99 2.900% APR*
2011-2012 Up to 36 Months $32.62 4.400% APR*
2001-2010 Up to 24 Months $46.49 4.400% 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. First payment may be deferred for 90 days on select loans. Finance charges begin when loan is funded. 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: Sunday, October 24th, 2021
YearTermMonthly Payment per $1,000APR* As Low As
2020 and newer - 20 ft. minimum for extended terms Up to 240 Months (minimum $50,000 loan) $11.18 5.900%
  Up to 180 Months (minimum $30,000 loan) $11.52 4.900%
  Up to 120 Months ($10,000 loan) $13.63 4.400%
  Up to 72 Months ($10,000 loan) $17.44 1.490%
  Up to 60 Months $20.18 1.490%
2018-2019 Up to 180 Months (minimum $30,000 loan) $11.52 4.900%
  Up to 120 Months ($10,000 loan) $13.63 4.400%
  Up to 72 Months ($10,000 loan) $17.44 1.490%
  Up to 60 Months $20.18 1.490%
2001-2017 Up to 120 Months ($10,000 loan) $14.20 5.400%
  Up to 72 Months ($10,000 loan) $18.39 3.400%
  Up to 60 Months $21.12 3.400%
2000 and Older Up to 60 Months $22.11 5.400%
*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. First payment may be deferred for 90 days on select loans. Finance charges begin when loan is funded. Other rates and terms available, please contact loans@UnitedOne.org for details. Normal credit standards applyMembership Eligibility Required. Call for additional rates.

Mortgage Loans*
Program NameRates As Low AsPointsAPR As Low AsPayment
30 Year Fixed (360 months) 3.000% 0.00% 3.114% $421.60
20 Year Fixed (240 months) 2.625% 0.00% 2.784% $536.01
15 Year Fixed (180 months) 2.250% 0.00% 2.455% $655.08
*Interest rates and APRs (Annual Percentage Rate) are effective as of 10/15/2021 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 are available. All offers are subject to credit approval. Membership Eligibility Required. Equal Housing Lender.

Home Equity Loans*
Program NameRates As Low AsPointsAPR As Low AsPayment
5 Year Fixed (60 Months) 2.500% 0.00% 2.500% $177.47
*Interest rates and APRs (Annual Percentage Rate) are effective 10/15/2021 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 on 1st mortgage or subordinate mortgage, owner-occupied homes located in Wisconsin. Interest rate, APR, and payment examples are based upon a home equity loan transaction with a loan amount of $10,000, credit score above 750, and 80% LTV. Other mortgage and home equity programs are available. All offers subject to credit approval. Membership Eligibility Required. Equal Housing Lender.

Savings (Share) Secured Loans
Effective Date: Sunday, October 24th, 2021
TermMonthly Payment per $1,000APR* As Low As
Up to 72 Months $17.69 2.000%
*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: Sunday, October 24th, 2021
TermMonthly Payment per $1,000APR* As Low As
Up to 24 months $48.04 7.740%
Up to 48 Months $28.38 9.740%
Up to 72 Months $22.86 11.740%
*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. Membership Eligibility Required. Call for additional rates.

Kwik Cash Line of Credit (Overdraft protection, credit card payoffs, miscellaneous expenses)
Effective Date: Sunday, October 24th, 2021
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. Membership Eligibility Required. Please contact loans@UnitedOne.org for details. Call for additional rates.


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