Current UECU Loan Rates

Rates effective 8/1/2020. All terms are approximate. APR=Annual Percentage Rate.

Auto Loans*

2017 and Newer Models (new or used)

 

Loan Term APR as low as Daily Periodic Rate
up to 36 Months 2.24% 0.006137%
37 to 60 Months 2.74% 0.007507%
61 to 72 Months 3.24% 0.008877%
73 to 84 Months
(term is only for 2019 and newer)
3.74% 0.010247%

 

2013 to 2016 Models

 

Loan Term APR as low as Daily Periodic Rate
up to 36 Months 2.49% 0.006822%
37 to 60 Months 2.99% 0.008192%

 

2012 and Older Models

 

Loan Term APR as low as Daily Periodic Rate
up to 36 Months 5.99% 0.016411%
37 to 60 Months 6.99% 0.019151%

Motorcycle Loans*

Up to 100% of retail value or selling price, whichever is lower.

2019 and Newer Models (new or used)

 

Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 4.74% 0.012986%
61 to 72 months 4.99% 0.013671%
2017 to 2018 Models

 

Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 5.24% 0.014356%
2013 to 2016 Models

 

Loan Term APR As Low As Daily Periodic Rate
Up to 48 months 6.24% 0.017096%

Boat Loans*

Up to 100% of retail value or selling price, whichever is lower.

2019 and Newer Models (new or used)

 

Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 5.49% 0.015041%
61 to 84 months 5.99% 0.016411%
2017 to 2018 Models

 

Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 6.24% 0.017096%
61 to 72 months 6.49% 0.017781%
2013 to 2016 Models

 

Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 6.99% 0.019151%

Recreational Vehicle Loans*

Up to 100% of retail value or selling price, whichever is lower.

2017 and Newer Models (new or used)

 

Loan Term APR As Low As Daily Periodic Rate
Up to 60 months 6.24% 0.017096%
61 to 72 months 6.49% 0.017781%
2019 and Newer Models (new or used)

 

Loan Term APR As Low As Daily Periodic Rate
73 to 84 months 6.74% 0.018466%
2013 to 2016 Models

 

Loan Term APR As Low As Daily Periodic Rate
Up to 48 months 6.99% 0.019151%
49 to 60 months 7.24% 0.019836%

Home Equity Fixed Rate Term Loans *1 

Up to 90% LTV
Loan Term APR As Low As
 
Up to 60 months2 3.49%
61 to 120 months 3.99%
121 to 180 months 4.49%
181 to 240 months 4.99%
91% to 100% LTV (1st or 2nd lien)
Loan Term APR As Low As
 
Up to 60 months3 5.49%
61 to 120 months 5.99%
121 to 180 months 6.49%
181 to 240 months 6.99%

1. Add 0.25% APR for voluntary escrow on first lien HE term loan
2. Monthly payments for each $1,000 borrowed at 3.49% APR for 60 months would be $18.19.
3. Monthly payments for each $1,000 borrowed at 5.49% APR for 60 months would be $19.10.

 

Flex HELOC (Home Equity Line of Credit) & Flex HELOC Visa® Card 

 

 

Flex HELOC (Home Equity Line of Credit) & Flex HELOC Visa® Card

 

 

Loan Annual Percentage Rate Daily Periodic Rate
Introductory Rate 2.49%4 0.006822%

Regular rate as low as Prime Rate (variable rate) minus .50%

No annual fee, no application fees or closing costs5

 Home Equity Loans and Lines of Credit

Home Equity products are not available in all states. Real estate must be first or second lien, 1-4 family owner-occupied residential property. Homeowners insurance is required. Flood insurance required for properties designated in flood zones. 100% maximum loan to value (LTV). LTV calculation is dependent upon the appraised value of your home. 4. The Introductory Rate is a fixed rate for the first 12 months from the date of the loan. After 12 months, existing and new balances will be subject to the variable regular rate which is the Wall Street Journal Prime Rate (“index”) plus the “margin” above or below the index rate as disclosed in your loan agreement. Regular rates will vary and may adjust quarterly without notice. Maximum lifetime interest rate will not exceed 18% APR. 5. You may be eligible for a no-cost loan; however, some fees may apply including an appraisal fee or fees imposed by third parties. Some states charge an additional recording tax after loan origination for which you are responsible. If your home is located in SC, an attorney must assist with your real estate closing and may charge fees. An early closing reimbursement fee of up to $400 will be assessed if your Home Equity Line of Credit (“HELOC”) is closed within the first 12 months after opening; up to $200 if closed during months 13 to 36. Existing UECU HELOC accounts are not eligible to receive the introductory rate, and are subject to modification or conversion fees. Offer subject to change and can be canceled or withdrawn at any time without notice.

Mortgages

Mortgages

Save as much as $1,000 or more on closing costs6

6. In the savings example shown for an average loan of $200,000, waiving the origination fee amounts to a savings of $1,000. This is a limited time offer and subject to change without notice.The mortgage origination fee will be waived for members who complete a mortgage application and loan closing.

100% Share Secured Loan*

100% Share Secured Loans*
Loan Term APR As Low As Daily Periodic Rate
Up to 36 Months 2.74% 0.007507%
36 Month Maximum for loans under $5,000    
37 to 60 Months 2.99% 0.008192%

CD Secured Loan

CD Secured Loans

2% above CD rate, with matching term.

Credit Cards

Credit Cards

 

Card Type Annual Percentage Rate Daily Periodic Rate
Visa® Power Card™ 8.99% to 17.99%7 .02463% to .04929
Share Secured Visa Power Card™ 3.25%8
(Variable)
.008904%

7. Rate is based on an evaluation of credit-worthiness criteria. Actual rate may differ. 8. Share Secured Power Card rate is based on Wall Street Journal Prime Rate ("index") plus 0.00% ("margin") and may vary and adjust accordingly. Share Secured Power Card is 100% share secured. Share Secured rate is quoted as of 8/1/2020.

 

Personal / Signature Loan*

Personal / Signature Loan*
Loan Term APR As Low As Daily Periodic Rate
Up to 36 months 6.74% 0.018466%
37 to 60 months 7.74% 0.021205%

Personal Line of Credit

Personal Line of Credit
Loan Annual Percentage Rate Daily Periodic Rate
Personal Line of Credit 5.70%9 .015616%
9. Annual percentage rate (“APR”) is based on the Wall Street Journal Prime Rate ("index") plus 2.45% (“margin”), and is subject to change quarterly on the first day of January, April, July, and October based on the index value 30 days preceding any change. APR will not exceed 18%. Rate shown as of 7/1/2020.

Student Loans

Student Loans
Private Student Loans For current rates, click here.
Student Loan Refinance Program For current rates, click here.

*Our lowest rates are based on opening and maintaining any active UECU checking account (at least one transaction per month) and an evaluation of applicant’s credit. Actual rate may differ based on credit-worthiness criteria.

Product offers, rates, terms, and other information provided herein are subject to change without notice.

Federally Insured by NCUA

Utilities Employees Credit Union is an Equal Opportunity Lender.

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All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.