Enjoy vehicle loan rates as low as 3.99%APR* and 90 days no payments* during our Loanapalooza Vehicle Loan Sale going on right now!
*Discover all the groovy details for Loanapalooza and apply online today!
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| Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) | |||
| Effective Date: Sunday, April 5th, 2026 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2023 and Newer | Up to 60 Months | $21.77 | 3.990% APR* |
| 2023 and Newer | Up to 72 Months | $19.42 | 4.740% APR* |
| 2023 and Newer | Up to 84 Months | $18.04 | 5.740% APR* |
| 2021-2022 | Up to 60 Months | $21.77 | 3.990% APR* |
| 2021-2022 | Up to 72 Months | $19.42 | 4.740% APR |
| 2018-2020 | Up to 48 Months | $26.49 | 4.990% APR* |
| 2016-2017 | Up to 36 Months | $34.32 | 6.490% APR* |
| 2006-2015 | Up to 24 Months | $48.46 | 6.490% APR* |
| 2005 or older | Up to 24 Months | $49.59 | 8.490% APR* |
*APR=Annual Percentage Rate. Rate applies to Auto, Motorcycle, ATV, Snowmobile, and Personal Watercraft. Your credit score, loan term, loan-to-value, year of vehicle and account relationship determine your rate. Rate stated is for borrowers with excellent credit history and a 2023 or newer vehicle and includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000.00 borrowed are $21.77 per month at 3.99% APR for 60 months with optional payment 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. Loans subject to credit approval. Other rates and terms available, please contact us for details. UnitedOne Credit Union membership required. Other loan types not eligible for this offer. Offer effective April 1, 2026, and subject to change at any time without notice. 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: Sunday, April 5th, 2026 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 60 Months | $22.04 | 4.490% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 72 Months ($10,000 loan) | $19.70 | 5.240% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 120 Months ($10,000 loan) | $15.45 | 6.990% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 180 Months (minimum $30,000 loan) | $13.50 | 7.490% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 240 Months (minimum $50,000 loan) | $13.36 | 8.490% |
| 2021-2022 | Up to 60 Months | $22.04 | 4.490% |
| 2021-2022 | Up to 72 Months ($10,000 loan) | $19.70 | 5.240% |
| 2021-2022 | Up to 120 Months ($10,000 loan) | $15.45 | 6.990% |
| 2021-2022 | Up to 180 Months (minimum $30,000 loan) | $13.50 | 7.490% |
| 2006-2020 | Up to 60 Months | $22.86 | 5.990% |
| 2006-2020 | Up to 72 Months ($10,000 loan) | $20.55 | 6.740% |
| 2006-2020 | Up to 120 Months ($10,000 loan) | $15.93 | 7.740% |
| 2005 and Older | Up to 60 Months | $23.99 | 7.990% |
| *APR=Annual Percentage Rate. Rate applies to RVs and Boats. Your credit score, loan term, loan-to-value, year of RV/Boat and account relationship determine your rate. Rate stated is for borrowers with excellent credit history and a 2023 or newer RV/Boat and includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000.00 borrowed are $22.04 per month at 4.49% APR for 60 months with optional payment protection. First payment may be deferred for 90 days on select RV/Boat 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. Loans subject to credit approval. Other rates and terms available, please contact us for details. UnitedOne Credit Union membership required. Other loan types not eligible for this offer. Offer effective April 1, 2026, and subject to change at any time without notice. | |||
| Share/IRA Savings Rates | |||
| Effective Date: Sunday, April 5th, 2026 | |||
| Share Type | Minimum Balance to Earn APY* | Dividend Rate | APY |
| Primary Share | $100 | .030% | .030% |
| Saver's Sweepstakes®** | $100 | .100% | .100% |
| Mates Club (Ages 0-11) | $25 | .030% | .030% |
| eXtreme Fundz (ages 12-17) | $25 | .030% | .030% |
| High Yield Checking | Up to $7,500 | 4.889% | 5.000% |
| High Yield Checking | Greater than $7,500 | .100% | .100% |
| High Yield Checking | Qualifications not met | .030% | .030% |
| High Yield/Cash Back Savings (With High Yield Checking or Cash Back Checking) |
Up to $25,000 | .499% | .500% |
| High Yield/Cash Back Savings (With High Yield Checking or Cash Back Checking) |
Greater than $25,000 | .100% | .100% |
| High Yield/Cash Back Savings (With High Yield Checkingor Cash Back Checking) |
Qualifications not met | .030% | .030% |
| Dream Account** | $.50 | .150% | .150% |
| Christmas Club** | $.50 | .150% | .150% |
| Money Market | Less than $5,000 | .030% | .030% |
| Money Market | $5,000 | .150% | .150% |
| Money Market | $15,000 | .250% | .250% |
| Money Market | $25,000 | .349% | .350% |
| AchieveOne Money Market** | Less than $25,000 | .000% | .000% |
| AchieveOne Money Market** | $25,000 | .598% | .600% |
| AchieveOne Money Market** | $50,000 | .797% | .800% |
| AchieveOne Money Market** | $75,000 | 1.687% | 1.700% |
| AchieveOne Money Market** | $100,000 | 1.736% | 1.750% |
| AchieveOne Money Market** | $200,000 | 2.227% | 2.250% |
| AchieveOne Money Market** | $500,000 | 2.472% | 2.500% |
| NEW! AchieveOne Money Market** | $1,000,000 | 2.716% | 2.750% |
| Open Savings IRA | $25 | .030% | .030% |
| *APY = annual percentage yield ** = Other fees may apply, please see fee schedule. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Federally insured by NCUA. Membership eligibility required. UnitedOne.org. | |||
| Share/IRA Certificate Rates | |||
| Effective Date: Sunday, April 5th, 2026 | |||
| Share Type | Minimum Balance to Earn APY* | Dividend Rate | APY |
| 3 Month** | $1,000 | 2.477% | 2.500% |
| 6 Month** | $1,000 | 2.722% | 2.750% |
| 9 Month | $1,000 | 3.796% | 3.850% |
| 1 Year | $1,000 | 2.722% | 2.750% |
| 1 Year Jumbo | $10,000 | 2.820% | 2.850% |
| 18 Month | $5,000 | 2.575% | 2.600% |
| 2 Year | $1,000 | 2.673% | 2.700% |
| 2 Year Jumbo | $10,000 | 2.771% | 2.800% |
| 3 Year | $5,000 | 2.477% | 2.500% |
| 4 Year | $1,000 | 2.094% | 2.110% |
| 4 Year Jumbo | $10,000 | 2.192% | 2.210% |
*APY = annual percentage yield.
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| Mortgage Loans* | ||||
| Program Name | Rates As Low As | Points | APR As Low As | Payment |
| 30 Year Fixed (360 months) | 6.375% | 0.00% | 6.452% | $1,247.74 |
| 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 04/03/2026 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) | 5.500% | 0.00% | 5.838% | $271.32 |
| +The interest rate and Annual Percentage Rate (APR) are effective as of 04/03/2026 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 5.500% and a monthly principal and interest payment of $271.32, 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. | ||||
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| Savings (Share) Secured Loans | ||
| Effective Date: Sunday, April 5th, 2026 | ||
| Term | Monthly Payment per $1,000 | APR* As Low As |
| Up to 72 Months | $19.15 | 4.250% |
| *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: Sunday, April 5th, 2026 | ||
| 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: Sunday, April 5th, 2026 | |
| 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. | |
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| Business Money Market | ||
| Minimum to Earn APY* | Dividend Rate | APY |
| Less than $5,000 | 0.030% | 0.030% |
| $5,000 | 0.150% | 0.150% |
| $15,000 | 0.250% | 0.250% |
| $25,000 | 0.349% | 0.350% |
| *There is no minimum balance requirement for the Business Money Market. Balances less than $5,000 receive the same rate as our Primary Share Account. There is no monthly service fee for the Business Money Market. | ||
| Business AchieveOne Money Market | ||
| Minimum to Earn APY* | Dividend Rate | APY |
| Less than $25,000 | 0.000% | 0.000% |
| $25,000 | 0.598% | 0.600% |
| $50,000 | 0.797% | 0.800% |
| $75,000 | 1.687% | 1.700% |
| $100,000 | 1.736% | 1.750% |
| $200,000 | 2.227% | 2.250% |
| $500,000 | 2.472% | 2.500% |
| $1,000,000 | 2.716% | 2.750% |
| *Minimum balance requirement of $25,000 to earn the stated APY. No dividends earned on balances less than $25,000. To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. | ||
Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.
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