Rates

Premier Membership, Free Checking and Student Checking

Checking Type

Dividend Rate

APY

Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

Checking Type

Premier Checking

Dividend Rate

0.05%

APY

0.05%

Checking Type

Free Checking

Dividend Rate

0.00%

APY

0.00%

Checking Type

Student Checking

Dividend Rate

0.00%

APY

0.00%

Open a Checking Account Now

Savings Accounts

Savings Type

Dividend Rate

APY

Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.

2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

Savings Type

Regular Savings

Dividend Rate

.05%

APY

.05%

Savings Type

Advantage Savings

Dividend Rate

.05%

APY

.05%

Savings Type

Holiday Savings1

Dividend Rate

.30%

APY

.30%

Savings Type

Youth Penny Savings2

Dividend Rate

.05%

APY

.05%

Savings Type

IRA Regular Savings

Dividend Rate

.05%

APY

.05%

Savings Type

Legacy Savings

Dividend Rate

.00%

APY

.00%

Open a Savings Account Now

 

Money Market Advantage Account

Balance

Dividend Rate

APY

Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

Balance

 $1,000,000 and above

Dividend Rate

.25%

APY

.25%

Balance

$250,000 to $999,999

Dividend Rate

.25%

APY

.25%

Balance

$50,000 to $249,999

Dividend Rate

.20%

APY

.20%

Balance

$25,000 to $49,999

Dividend Rate

.15%

APY

.15%

Balance

$15,000 to $24,999

Dividend Rate

.10%

APY

.10%

Balance

$2,500 to $14,999

Dividend Rate

.10%

APY

.10%

Open a Money Market Now
Standard Term Certificate Accounts

Term

Balance

Dividend Rate

APY

Term

3-5 Months

Balance

$1,000 - $2,499

Dividend Rate

.20%

APY

.20%

Term

3-5 Months

Balance

$2,500 - $9,999

Dividend Rate

.25%

APY

.25%

Term

3-5 Months

Balance

Over $10,000

Dividend Rate

.30%

APY

.30%

Term

6-11 Months

Balance

$1,000 - $2,499

Dividend Rate

.35%

APY

.35%

Term

6-11 Months

Balance

$2,500 - $9,999

Dividend Rate

.40%

APY

.40%

Term

6-11 Months

Balance

Over $10,000

Dividend Rate

.40%

APY

.40%

Term

12-23 Months

Balance

$1,000 - $2,499

Dividend Rate

.65%

APY

.65%

Term

12-23 Months

Balance

$2,500 - $9,999

Dividend Rate

.70%

APY

.70%

Term

12-23 Months

Balance

Over $10,000

Dividend Rate

.90%

APY

.90%

Term

24-35 Months

Balance

$1,000 - $2,499

Dividend Rate

1.00%

APY

1.00%

Term

24-35 Months

Balance

$2,500 - $9,999

Dividend Rate

1.00%

APY

1.00%

Term

24-35 Months

Balance

Over $10,000

Dividend Rate

1.05%

APY

1.05%

Term

36-59 Months

Balance

$1,000 - $2,499

Dividend Rate

1.10%

APY

1.10%

Term

36-59 Months

Balance

$2,500 - $9,999

Dividend Rate

1.10%

APY

1.10%

Term

36-59 Months

Balance

Over $10,000

Dividend Rate

1.19%

APY

1.20%

Term

60-120 Months

Balance

$1,000 - $2,499

Dividend Rate

1.34%

APY

1.35%

Term

60-120 Months

Balance

$2,500 - $9,999

Dividend Rate

1.34%

APY

1.35%

Term

60-120 Months

Balance

Over $10,000

Dividend Rate

1.39%

APY

1.40%

Open a Standard Term Certificate Now
Option Rate Term Certificate Accounts

Term

Balance

Dividend Rate

APY

Term

13-Month

Balance

$10,000 - $24,999

Dividend Rate

.15%

APY

.15%

Term

13-Month

Balance

$25,000 - $49,999

Dividend Rate

.20%

APY

.20%

Term

13-Month

Balance

$50,000 - $99,999

Dividend Rate

.30%

APY

.30%

Term

24-Month

Balance

$10,000 - $24,999

Dividend Rate

.50%

APY

.50%

Term

24-Month

Balance

$25,000 - $49,999

Dividend Rate

.55%

APY

.55%

Term

24-Month

Balance

$50,000 - $99,999

Dividend Rate

.60%

APY

.60%

Term

36-Month

Balance

$10,000 - $24,999

Dividend Rate

.80%

APY

.80%

Term

36-Month

Balance

$25,000 - $49,999

Dividend Rate

.85%

APY

.85%

Term

36-Month

Balance

$50,000 - $99,999

Dividend Rate

.90%

APY

.90%

Open an Option Rate Term Certificate  Now
12-Month Add-On Term Certificate Account

Term

Dividend Rate

APY

Term

12 Months

Dividend Rate

.40%

APY

.40%

Open a 12-Month Add-On Term Certificate Now
IRA Term Certificate Accounts

Term

Dividend Rate

APY

Term

12 Months

Dividend Rate

.65%

APY

.65%

Term

18 Months

Dividend Rate

.70%

APY

.70%

Term

24 Months

Dividend Rate

1.05%

APY

1.05%

Term

60-120 Months

Dividend Rate

1.69%

APY

1.70%

Open an IRA Term Certificate Now

Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice until a specific certificate is opened. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms. Early withdrawal penalties apply. Deposits are generally not permitted, except for the Add-On certificate which allows deposits between $100.00 and $999.99. Certificates generally renew to a like term at the dividend rate in effect at renewal. Promotional certificates, when offered, may renew to standard certificates. Refer to the individual certificate disclosure for specific information.

Mortgages

We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.

Please visit our Mortgages Center for today’s rates and to apply for a loan

Home Equity Line of Credit

Max. Combined Loan-To-Value

Minimum Line

Maximum Line

Prime Rate

Margin

Variable APR without AutoPay

Variable APR with Autopay*

Must meet membership and account criteria. All loans subject to credit approval. Rate terms and conditions subject to change. Some costs and restrictions apply.

APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. The rate is variable and may adjust monthly but at no time can the interest rate be below our floor rate of 3.99% and cannot exceed the max rate of 15.00% APR. A $10,000 initial advance may be required. You may be required to reimburse us for closing costs if your line is closed in the first three years. *Autopay from a USECU Checking account is required to receive the lowest rate, otherwise add 0.50%.

Max. Combined Loan-To-Value

Up to 70%

Minimum Line

$10,000

Maximum Line

$250,000

Prime Rate

3.25%

Margin

0.50%

Variable APR without AutoPay

4.49%

Variable APR with Autopay*

3.99%

Apply for a Home Equity Line of Credit Now
Mastercard Credit Cards

Credit Card

Annual Fee

APR As Low As

See full rates and terms

Credit Card

Platinum Secured

Annual Fee

None

APR As Low As

4.99%

Credit Card

Platinum Plus

Annual Fee

None

APR As Low As

9.90%

Credit Card

Platinum

Annual Fee

None

APR As Low As

12.90%

Credit Card

Platinum Gold

Annual Fee

None

APR As Low As

14.90%

Credit Card

Platinum Credit Builder

Annual Fee

$5

APR As Low As

17.90%

Credit Card

Platinum Classic

Annual Fee

$25

APR As Low As

18.90%

Credit Card

Platinum Membership

Annual Fee

$35

APR As Low As

19.90%

Apply for a Credit Card Now

Rate terms and conditions subject to change.

Autos (Model Year 2014 and Newer)

Term

APR as low as

Maximum Loan Amount

Term

Up to 24 months

APR as low as

2.49%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 36 months

APR as low as

2.59%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 48 months

APR as low as

3.09%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 60 months

APR as low as

3.19%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 72 months

APR as low as

3.39%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 84 months

APR as low as

4.39%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Apply for an Auto Loan Now
Autos (Model Years 2010-2013)

Term

APR as low as

Maximum Loan Amount

Term

Up to 24 months

APR as low as

3.49%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 36 months

APR as low as

3.59%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 48 months

APR as low as

4.09%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 60 months

APR as low as

4.19%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 72 months

APR as low as

4.39%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Term

Up to 84 months

APR as low as

5.39%

Maximum Loan Amount

Up to 130% of Vehicle's Base Invoice or Retail Kelly Bluebook

Apply for an Auto Loan Now
RV and Boat Loan Rates

Loan Type

APR as low as

Loan Term

Loan Type

New RV

APR as low as

5.99% to 9.99%

Loan Term

Up to 180 months

Loan Type

Used RV

APR as low as

6.99% to 10.99%

Loan Term

Up to 180 months

Loan Type

New Boat

APR as low as

5.99% to 9.99%

Loan Term

Up to 180 months

Loan Type

Used Boat

APR as low as

6.99% to 10.99%

Loan Term

Up to 180 months

Apply for an Auto Loan Now

All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Some restrictions apply. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Additional discounts may be applicable, please ask USECU representative for more details. Financing may include dealer service contracts, such as Guaranteed Auto Protection and Mechanical Breakdown Insurance. USECU also offers similar service contracts at very reasonable rates. Please call our Member Service Center at 866.873.4968.

Interest rates and monthly payment information are only estimates. Actual rates and monthly payment amounts are based on your personal credit history and will be provided upon receipt of a completed loan application approved by USE Credit Union. Payment Examples: 2.49% APR is based on approximately 24 monthly payments of $42.80 per $1,000 borrowed. 2.59% APR is based on approximately 36 monthly payments of $28.94 per $1,000 borrowed. 3.09% APR is based on approximately 48 monthly payments of $22.21 per $1,000 borrowed. 3.19% APR is based on approximately 60 monthly payments of $18.08 per $1,000 borrowed. 3.39% APR is based on approximately 72 monthly payments of $15.39 per $1,000 borrowed. Check out our calculators to calculate a payment example for your specific loan needs.

Personal Loans

Loan Type

Maximum Loan Amount

Loan Term

APR as low as*

Must meet membership and account criteria. All loans subject to credit approval. Rate terms and conditions subject to change. Some restrictions apply.

APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. $30,000 is the max combined total unsecured loan limit/balances per member. 36 monthly payments of $31.20 for every $1,000 borrowed at 7.49%.

Loan Type

Signature Loan

Maximum Loan Amount

Up to $30,000

Loan Term

Up to 96 months

APR as low as*

7.49%

Loan Type

Share Secured

Maximum Loan Amount

Up to 100% of a USECU Savings account

Loan Term

Up to 120 months

APR as low as*

Regular Savings Rate plus 3.00%

Apply for a Personal Loan Now