Protecting our Members with CARFAX®!
Contact a Member Service Representative for your Vehicle History Report.*
* Available with an auto loan application.
Contact a Member Service Representative for your Vehicle History Report.*
* Available with an auto loan application.
Explore our competitive rates on auto loans and home loans, tailored to help you achieve your financial goals with ease!
| Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) | |||
| Effective Date: Tuesday, May 20th, 2025 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2024 and Newer | Up to 60 Months | $21.90 | 4.990% APR* |
| 2024 and Newer | Up to 72 Months | $19.20 | 4.990% APR* |
| 2024 and Newer | Up to 84 Months | $17.83 | 5.990% APR* |
| 2022-2023 | Up to 60 Months | $21.90 | 4.990% APR* |
| 2017-2021 | Up to 48 Months | $26.49 | 5.990% APR* |
| 2015-2016 | Up to 36 Months | $34.09 | 7.490% APR* |
| 2005-2014 | Up to 24 Months | $47.93 | 7.490% APR* |
| 2004 or older | Up to 24 Months | $48.88 | 9.490% APR* |
*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, loan-to-value ratio, year of vehicle, and account relationship with UnitedOne Credit Union. Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $5,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000 borrowed include optional debt protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded. Additional rates and terms available, please contact loans@UnitedOne.org for details. Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required. CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. CARFAX Vehicle History Reports™ may be accessed with an active auto loan preapproval through UnitedOne Credit Union. The CARFAX Vehicle History Report is intended for personal use only and may not be used for commercial purposes. UnitedOne Credit Union is in no way responsible for the accuracy of the CARFAX Vehicle History Reports™. CARFAX reserves the right to take appropriate action for the misuse of this offer. CARFAX is a registered trademark of CARFAX, Inc. CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. Credit and collateral subject to approval. | |||
| Secured Loans RVs and Boats - Extended Terms Available! | |||
| Effective Date: Tuesday, May 20th, 2025 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2024 and newer - 20 ft. minimum for extended terms | Up to 60 Months | $21.90 | 4.990% |
| 2024 and newer - 20 ft. minimum for extended terms | Up to 72 Months ($10,000 loan) | $19.20 | 4.990% |
| 2024 and newer - 20 ft. minimum for extended terms | Up to 120 Months ($10,000 loan) | $15.42 | 7.490% |
| 2024 and newer - 20 ft. minimum for extended terms | Up to 180 Months (minimum $30,000 loan) | $13.54 | 7.990% |
| 2024 and newer - 20 ft. minimum for extended terms | Up to 240 Months (minimum $50,000 loan) | $13.42 | 8.990% |
| 2022-2023 | Up to 60 Months | $21.90 | 4.990% |
| 2022-2023 | Up to 72 Months ($10,000 loan) | $19.20 | 4.990% |
| 2022-2023 | Up to 120 Months ($10,000 loan) | $15.42 | 7.490% |
| 2022-2023 | Up to 180 Months (minimum $30,000 loan) | $13.54 | 7.990% |
| 2005-2021 | Up to 60 Months | $22.66 | 6.490% |
| 2005-2021 | Up to 72 Months ($10,000 loan) | $19.98 | 6.490% |
| 2005-2021 | Up to 120 Months ($10,000 loan) | $15.73 | 7.990% |
| 2004 and Older | Up to 60 Months | $23.70 | 8.490% |
| *APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, loan-to-value ratio, year of vehicle, and account relationship with UnitedOne Credit Union. Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $5,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000 borrowed include optional debt protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded. Additional rates and terms available, please contact loans@UnitedOne.org for details. Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required. | |||
| Mortgage Loans* | ||||
| Program Name | Rates As Low As | Points | APR As Low As | Payment |
| 30 Year Fixed (360 months) | 6.625% | 0.00% | 6.703% | $1,280.62 |
| 20 Year Fixed (240 months) | 6.125% | 0.00% | 6.225% | $1,447.32 |
| 15 Year Fixed (180 months) | 5.875% | 0.00% | 6.000% | $1,674.24 |
| 10 Year Fixed (120 months) | 5.500% | 0.00% | 5.676% | $2,170.53 |
| *Interest rates and APRs (Annual Percentage Rate) are effective as of 05/16/2025 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 refinance transaction with a loan amount of $200,000, 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) | 5.625% | 0.00% | 5.963% | $272.87 |
| +The interest rate and Annual Percentage Rate (APR) are effective as of 05/16/2025 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 5.625% and a monthly principal and interest payment of $272.87, 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, May 20th, 2025 | ||
| Term | Monthly Payment per $1,000 | APR* As Low As |
| Up to 72 Months | $19.72 | 6.000% |
| *APR = Annual Percentage Rates. Monthly payments per $1,000 borrowed include optional debt protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded. Please contact loans@UnitedOne.org for additional rates. Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required. | ||
| IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses) | ||
| Effective Date: Tuesday, May 20th, 2025 | ||
| Term | Monthly Payment per $1,000 | APR* As Low As |
| Up to 24 months | $49.12 | 9.990% |
| Up to 48 Months | $28.77 | 10.490% |
| Up to 72 Months | $23.29 | 12.490% |
| *APR = Annual Percentage Rates. Rates are determined by your personal credit history, loan term, and account relationship with UnitedOne Credit Union. Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000 borrowed include optional debt protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded. Additional rates and terms available, please contact?loans@UnitedOne.org?for details. Loans subject to credit approval and not all applicants will qualify for the lowest rate. ?Membership Eligibility Required. | ||
| Kwik Cash Line of Credit (Overdraft protection, credit card payoffs, miscellaneous expenses) | |
| Effective Date: Tuesday, May 20th, 2025 | |
| 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 Rates. Rates are determined by your personal credit history. Please contact?loans@UnitedOne.org?for additional rates. Loans subject to credit approval and not all applicants will qualify for the lowest rate. ?Membership Eligibility Required. | |
Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.
This link leaves the United One website.