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Loan Rates -  

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Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Effective Date: Wednesday, December 2nd, 2020
YearTermMonthly Payment per $1,000APR* As Low As
2019 and Newer Up to 60 Months $20.43 1.990% APR*
  Up to 72 Months $17.69 1.990% APR*
  Up to 84 Months $16.24 2.990% APR*
2017-2018 Up to 60 Months $20.43 1.990% APR*
2012-2016 Up to 48 Months $25.03 2.990% APR*
2010-2011 Up to 36 Months $32.64 4.490% APR*
2000-2009 Up to 24 Months $46.51 4.490% 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. First payment may be deferred for 90 days on select vehicle loans. Finance charges begin accruing when loan is funded. Not all applicants will qualify for the 90-day deferred payment, and other exclusions may apply. Other rates and terms available. Membership Eligibility Required. Contact loans@UnitedOne.org for details. Normal credit standards apply. Call for additional rates.

UnitedOne Holiday Loan!

Holiday Loan
Effective Date: Wednesday, December 2nd, 2020
TermMonthly Payment per $1,000APR* As Low As
Up to 12 Months $44.62 6.490%

*APR = Annual Percentage Rate. Your rate will vary based on your creditworthiness; rate stated is for borrowers with excellent credit. Stated rate includes minimum $500 new funds advanced, active UOCU checking account, net direct deposit, and automatic payments. Monthly payments per $500 borrowed include optional debt protection. Minimum loan is $500 and maximum term is 12 months.   No other discounts apply, and refinance of existing UnitedOne Credit Union loans not eligible. Other rates and terms available, please contact loans@UnitedOne.org for details. Normal credit standards apply. Offer ends 12/31/20.

Secured Loans RVs and Boats - Extended Terms Available!
Effective Date: Wednesday, December 2nd, 2020
YearTermMonthly Payment per $1,000APR* As Low As
2019 and newer - 20 ft. minimum for extended terms Up to 240 Months (minimum $50,000 loan) $11.22 5.990%
  Up to 180 Months (minimum $30,000 loan) $11.56 4.990%
  Up to 120 Months ($10,000 loan) $13.66 4.490%
  Up to 72 Months ($10,000 loan) $17.69 1.990%
  Up to 60 Months $20.43 1.990%
2017-2018 Up to 180 Months (minimum $30,000 loan) $11.56 4.990%
  Up to 120 Months ($10,000 loan) $13.66 4.490%
  Up to 72 Months ($10,000 loan) $17.69 1.990%
  Up to 60 Months $20.43 1.990%
2000-2016 Up to 120 Months ($10,000 loan) $14.23 5.490%
  Up to 72 Months ($10,000 loan) $18.43 3.490%
  Up to 60 Months $21.15 3.490%
1999 and Older Up to 60 Months $22.14 5.490%
*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. First payment may be deferred for 90 days on select vehicle loans. Finance charges begin accruing 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) 2.750% 0.00% 2.862% $408.24
20 Year Fixed (240 months) 2.625% 0.00% 2.784% $536.01
15 Year Fixed (180 months) 2.500% 0.00% 2.707% $666.79
*Interest rates and APRs (Annual Percentage Rate) are effective as of 11/30/2020 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). 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 11/13/2020 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. 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: Wednesday, December 2nd, 2020
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: Wednesday, December 2nd, 2020
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. Membership Eligibility Required. Call for additional rates.

Kwik Cash Line of Credit (Overdraft protection, credit card payoffs, miscellaneous expenses)
Effective Date: Wednesday, December 2nd, 2020
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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