Rates

Savings Rates

Effective March 1, 2023

**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	0.07%	0.07%
Money Market – Tier 2	$50,000 & OVER	0.14%	0.14%
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%

Share Certificate/IRA Renewal Rates

Effective March 22, 2023

**APY = Annual Percentage Yield
Term	Minimum Balance	Rate	APY**
3 Month Cert.	$500.00	0.54%	0.54%
6 Month Cert.	$500.00	1.16%	1.17%
12 Month Cert.	$500.00	1.41%	1.42%
24 Month Cert.	$500.00	1.46%	1.47%
36 Month Cert.	$500.00	1.46%	1.47%

New Share Certificate/IRA Rates

Effective March 22, 2023

**APY = Annual Percentage Yield
Term	Minimum Balance	Rate	APY**
3 – 24 Month Cert.	$500.00	0.00%	0.00%
36 Month Cert.	$500.00	1.46%	1.47%

Share Secured Personal Loan Rates

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%

Unsecured Personal Loan Rates

Effective October 25, 2022

*APR = Annual Percentage Rate
Term		APR*
Closed End Personal Loan (Call for details)		10.25%
Bill Consolidation (Call for details)		12.00%
PayDay Assistance (PAL) 3 Month term. $20 application fee.		28.00%

Mastercard^® Rates

Effective January 1, 2023

*APR = Annual Percentage Rate
MasterCard^®	Credit Limit	APR*	Variable APR*
Premier	$1,000 to $15,000	N/A	11.00%
Regular	$1,000 to $15,000	15.96%	N/A
Share Secured	$250 to $2,500	18.00%	N/A

New & Used Auto, Motorcycle, and ATV Loan Rates

Effective February 20, 2023

*APR = Annual Percentage Rate
Product		As Low As APR*
New/Used Auto Models 2021 – 2022 Terms up to 5 years, Call for Details		3.50%
Used/Older Auto Models 2018 – 2020 Terms up to 5 years, Call for Details		3.75%
New Motorcycle/Personal Watercraft Models 2021 – 2022 Terms up to 5 years, Call for Details		10.50%
Used Motorcycle/Personal Watercraft Models 2018 – 2020 Terms up to 5 years, Call for Details		11.00%

Mortgage Rates

Effective March 3, 2023
Prime Rate as of February 7, 2023 is 7.75%

Product	Rate	APR*
Home Equity Line of Credit (HELOC)** “VARIABLE RATE”	9.250%	9.250%
30 Year Conforming Fixed First Mortgage	6.500%	6.578%
15 Year Conforming Fixed First Mortgage	5.875%	5.992%
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