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Rates

 Savings Rates

Effective March 20, 2024

**APY = Annual Percentage Yield
Account Type Minimum Balance to Earn Dividends Rate APY**
Savings & Special Savings  $1,000.00 – $9,999.00  0.40% 0.40%
Savings & Special Savings $10,000.00 – $99,999.00 0.10% 0.10%
Savings & Special Savings $100,000.00 & OVER 0.10% 0.10%
Checking $1,000.00 and OVER    0.00%  0.00%
Money Market $2,500.00 – $49,999.99 0.33%  0.33%
Money Market  $50,000.00 – $99,999.00  0.61%  0.61%
Money Market $100,000.00 – $249,999.00 2.00% 2.02%
Money Market $250,000.00 & OVER 1.00% 1.01%
Christmas Club N/A  0.10%  0.10%
Restricted Christmas Club N/A 0.10% 0.10%
Vacation Club N/A 0.10% 0.10%

Share Certificate/IRA Rates

Effective March 20, 2024

**APY = Annual Percentage Yield
Term Minimum Balance Rate APY**
3 Month Cert. $500.00 2.00% 2.01%
6 Month Cert. $500.00 2.73% 2.77%
12 Month Cert. $500.00 2.75% 2.79%
24 Month Cert. $500.00 2.65% 2.69%
36 Month Cert. $500.00  2.84% 2.88%

Share Secured Personal Loan Rates

Effective March 4, 2022

*APR = Annual Percentage Rate
Term APR*
Share Secured Personal (Borrow up to 95% of available funds) Call for details 3.00% over Share Rate
Share Certificate Secured Personal (Borrow up to 95% of available funds) Call for details 3.00% over Certificate Rate

Unsecured Personal Loan Rates

Effective October 31, 2023

*APR = Annual Percentage Rate
Term APR*
Closed End Personal Loan (Call for details) 10.99%
Bill Consolidation (Call for details) 12.00%
PayDay Assistance (PAL) 3 Month term. $20 application fee. 28.00%

Mastercard® Rates

Effective January 1, 2024

*APR = Annual Percentage Rate
MasterCard® Credit Limit APR* Variable APR*
Premier $1,000 to $15,000 N/A 12.50%
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 October 31, 2023

*APR = Annual Percentage Rate  Note: Your Rate Will Depend on Creditworthiness  Call 866.855.9050 for Questions
Product                                           Term 48 mos/4 yrs 60 mos/5 yrs 72 mos/6 yrs 84 mos/7 yrs
New Auto Loans
2022 – 2024 Models
As Low As 4.99%*  As Low As 5.49%*   As Low As 5.74% *  As Low As 6.49%*  
Used Auto
2019 – 2021 Models
As Low As 4.99%*   As Low As 5.49%*  As Low As 5.74%*   As Low As 6.49%*  
New Motorcycle/ Watercraft/ATV
2022 – 2024 Models
As Low As 9.75%*  As Low As 9.75%*  N/A N/A
Used Motorcycle/ Watercraft/ATV
2022 – 2023 Models
As Low As 10.25%* As Low As 10.25%* N/A N/A

Mortgage Rates

Effective February 7, 2024
Prime Rate as of August 1, 2023 is 8.50%

Product Rate APR*
Home Equity Line of Credit (HELOC)**
“VARIABLE RATE”
10.00% 10.00%
30 Year Conforming Fixed First Mortgage 6.250% 6.324%
15 Year Conforming Fixed First Mortgage 5.750% 5.865%
*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

Contact Us

Click or call (562) 803-6401 to get in touch.