Loan Rates
Fixed Loan Rates
|
Secured Loans:
|
APRs as low as |
| New Vehicle | 4.25% |
| Used Vehicle (2021 or newer) | 5.25% |
| Used Vehicle (2020 or older) | 7.25% |
|
New Recreational Vehicle
|
7.50% |
| Used Recreational Vehicle | 8.50% |
| Motorcycle | 8.50% |
| Commodities/Precious Metals | 8.00% |
|
Personal Loans:
|
APRs as low as |
| Signature | 10.90% |
|
Line-of-Credit
|
12.99% |
|
Preferred VISA
|
14.50% |
|
Standard VISA
|
16.50% |
| Immigration | 10.00% |
|
Variable Rate Loans
|
APRs |
| Share Secured | 4% above share rate** |
| CD Secured | 4% above CD rate** |
|
Terms for Vehicle Loans
|
Maximum Term |
| $500 – $4,999 | 36 months |
| $5,000 – $9,999 | 48 months |
| $10,000 – $19,999 | 60 months |
| $20,000 – $29,999 | 72 months |
| $30,000 & up | 84 months |
UYFCU offers a range of rates based on a variety of factors, including credit qualifications, collateral, and term. All loans are subject to approval. Rates and terms are subject to change without notice. 100% financing is available on new vehicles and includes tax and license. 100% financing of cash price or retail Blue Book value, whichever is less, for used vehicles. 85% financing is available for new or used RV and motorcycles.
*APR= Annual Percentage Rate
**Minimum APR is 5.00%
