Effective March 24, 2022
| **APY = Annual Percentage Yield | |||
| Account Type | Minimum Balance to Earn Dividends | Rate | APY** |
| Savings & Special Savings | $1,000.00 & OVER | 0.00% | 0.00% |
| Checking | N/A | 0.00% | 0.00% |
| Money Market – Tier 1 | $2,500.00 – $49,999.99 | 0.00% | 0.00% |
| Money Market – Tier 2 | $50,000 & OVER | 0.00% | 0.00% |
| Christmas Club | N/A | 0.00% | 0.00% |
| Restricted Christmas Club | N/A | 0.10% | 0.10% |
| Vacation Club | N/A | 0.10% | 0.10% |
Effective August 10, 2022
| **APY = Annual Percentage Yield | |||
| Term | Minimum Balance | Rate | APY** |
| 3 Month Cert. | $1,000.00 | 0.15% | 0.15% |
| 6 Month Cert. | $1,000.00 | 0.26% | 0.26% |
| 12 Month Cert. | $1,000.00 | 0.36% | 0.36% |
| 24 Month Cert. | $1,000.00 | 0.46% | 0.46% |
| 36 Month Cert. | $1,000.00 | 0.46% | 0.46% |
Effective August 10, 2022
| **APY = Annual Percentage Yield | |||
| Term | Minimum Balance | Rate | APY** |
| 3 – 24 Month Cert. | $1,000.00 | 0.00% | 0.00% |
| 36 Month Cert. | $1,000.00 | 0.46% | 0.46% |
Effective March 4, 2022
| *APR = Annual Percentage Rate | |||
| Term | APR* | ||
| Share Secured Personal (Up to 95% of available funds) Call for details | 1.90% | ||
| Share Certificate Secured Personal (Up to 95% of available funds) Call for details | 1.90% | ||
Effective March 4, 2022
| *APR = Annual Percentage Rate | |||
| Term | APR* | ||
| Closed End Personal Loan Call for details | 10.00% | ||
| Bill Consolidation Call for details | 11.75% | ||
| PayDay Assistance (PAL) 3 Month term. $20 application fee. | 28.00% | ||
Effective March 30, 2022
| *APR = Annual Percentage Rate | |||
| MasterCard® | Credit Limit | APR* | Variable APR* |
| Premier | $1,000 to $15,000 | N/A | 7.25% |
| Regular | $1,000 to $15,000 | 15.96% | N/A |
| Share Secured | $250 to $2,500 | 18.00% | N/A |
Effective March 4, 2022
| *APR = Annual Percentage Rate | |||
| Product | As Low As APR* | ||
| New/Used Auto Models 2017 – 2021 Terms up to 7 years, Call for Details |
2.00% | ||
| Used/Older Auto Models 2014 – 2017 Terms up to 7 years, Call for Details |
3.00% | ||
| New/Used Motorcycle (2018, 2019) Terms up to 5 years, Call for Details |
10.00% | ||
| New ATV’s (All Terrain Vehicle) and Personal Watercraft (Current year only) Terms up to 5 years, Call for Details |
10.00% | ||
Effective August 1, 2022
Prime Rate as of 8/1/2022 is 5.50%
| Product | Rate | APR* |
| Home Equity Line of Credit (HELOC)** “VARIABLE RATE” |
7.00% | 7.000% |
| 30 Year Conforming Fixed First Mortgage | 4.625% | 4.681% |
| 15 Year Conforming Fixed First Mortgage | 4.000% | 4.088% |
| *APR = Annual Percentage Rate. Based on loan amount of $200,000. **1.50% over Prime Rate for standard HELOC, OR 3.00% over Prime Rate for Credit Refresher or Non-Owner Occupied, with rates not lower than 5.00% and 7.00% respectively. ***2.75% over Prime Rate. | ||
All rates subject to change without notice.
UFCW Credit Union uses RISK-BASED PRICING. This loan interest rate structure applies to all new and used vehicle and unsecured loans, as well as our Home Equity Line-of-Credit program. Risk-Based Pricing is a system of pricing loans so that the interest rate charged to a member is based on the credit risk they represent. We are able to offer low-rate pricing to our lower risk members, and at the same time allow our higher risk members to obtain credit at a higher rate. The loan rate pricing structure is determined by each members own credit score as defined on their credit report issued by Experian. The Risk Based model used by this credit union is “Vantage.” To receive a free copy of your credit report contact Experian at the address below.
Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
1.888.397.3742
www.experian.com/reportaccess