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Loan Annual Percentage Rates - Apply Now! |
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New & Used Vehicle/Motorcycle/RV/Camper ¹, ² |
24 to 84 months |
as low as 3.99% |
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New & Used Watercraft ¹, ² |
24 to 84 months |
as low as 3.99% |
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Boat/RV/Camper 2006 and newer ¹, ² |
7 to 15 years |
as low as 6.99% |
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Unsecured Signature Loan ¹, ³ |
24 to 84 months |
as low as 9.24% |
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¹ APR means annual percentage rate. The rate you receive may be different than the rate above and is based on the applicant's credit and repayment history, length of repayment period and down payment. Please ask us for the rate for which you qualify.
² Vehicle Rates shown are for collateral financed at NADA trade value, year 2006 or newer. Other rates are available for older vehicles. 84 month term available if financing $30,000 or more.
³ Unsecured Signature Loan PAYMENT EXAMPLE: For every $1,000 borrowed at 9.24% APR over 7 years, the monthly payment is $16.21. |
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Home Equity Line of Credit (variable APR) ¹ |
15 year |
as low as 3.49% |
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Second Mortgage (80% LTV) ¹, ² |
15 year |
as low as 5.74% |
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Second Mortgage (90% LTV) ¹, ² |
12 year |
as low as 6.74% |
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Home Improvement ¹, ³ |
10 year |
as low as 5.49% |
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¹ APR means annual percentage rate. The rate you receive may be different than the rate above and is based on the applicant's credit, repayment history and length of repayment. Closing cost range is usually $150-$600. Annual fee is $50. Maximum APR is 18%. Property must be located in Minnesota and property insurance is required.
² Second Mortgage PAYMENT EXAMPLE: For every $1,000 borrowed at 5.74% APR over 15 years, the monthly payment is $8.30.
³ Home Improvement PAYMENT EXAMPLE: For every $1,000 borrowed at 5.49% APR over 10 years, the monthly payment is $10.85. |
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VISA Platinum Credit Card (Variable APR) ¹ |
Effective 3/4/2010 |
9.74% |
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Simply Save Money - VISA Balance Transfer ² |
until July 31, 2011 |
4.99% |
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¹ Please click here for required credit card disclosures.
² APR means Annual Percentage Rate. The promotional rate is valid until July 31, 2011. After this day, any remaining balance will revert to the current variable APR. The balance transfer will show on your statement as a cash advance. Payments received will be applied first to fees, finance charge, promotional transferred balances and then any outstanding UECU credit card balance. Minimum amount of balance consolidation = $100. Please refer to the UECU VISA® Agreement & Truth in Lending disclosure for a complete description of how finance charges are calculated. This offer does not apply to balances owed or transferred from existing United Educators Credit Union debt(s). All loans are subject to credit approval. |
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| Loan rates last amended - 4/7/2010. All Rates subject to change without notice, some rates change more frequently than others. Other loan types are available, please call for additional information. |
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Checking Accounts |
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Account Name |
Minimum Balance to Earn Interest |
Annual Percentage Yield |
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Checking Account ¹, ³ |
$1,000.00 - $9,999.99 |
0.10% |
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$10,000.00 - $24,999.99 |
0.15% |
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$25,000.00 - $49,999.99 |
0.20% |
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$50,000.00 and over |
0.25% |
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Bonus Checking ¹, ³ |
$1,000.00 - $9,999.99 |
0.20% |
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$10,000.00 - $24,999.99 |
0.25% |
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$25,000.00 - $49,999.99 |
0.30% |
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$50,000.00 and over |
0.35% |
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Share Savings Accounts |
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Account Name |
Minimum Balance to Earn Interest |
Annual Percentage Yield |
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Share/Organizational Savings Account ¹ |
$25.00 - $2,499.99 |
0.10% |
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$2,500.00 - $4,999.99 |
0.15% |
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$5,000.00 - $9,999.99 |
0.20% |
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$10,000.00 and over |
0.25% |
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Investment Savings Accounts |
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Account Name |
Minimum Balance to Earn Interest |
Annual Percentage Yield |
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VIP Savings Account ² |
$2,500.00 - $9,999.99 |
0.30% |
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$10,000.00 - $19,999.99 |
0.40% |
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$20,000.00 - $49,999.99 |
0.52% |
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$50,000.00 - $99,999.99 |
0.65% |
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$100,000.00 and over |
0.85% |
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IRA/Health Savings Account ² |
$25.00 - $2,499.99 |
0.30% |
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$2,500.00 - $4,999.99 |
0.40% |
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$5,000.00 - $9,999.99 |
0.55% |
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$10,000.00 and over |
0.75% |
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IRA Savings - are available for ROTH, Traditional and Coverdell IRA's |
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Youth Savings Accounts |
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Account Name |
Minimum Balance to Earn Interest |
Annual Percentage Yield |
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Pee Wee Penguin/My Mula!/Student ¹ |
$5.00 - $2,499.99 |
0.10% |
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$2,500.00 - $4,999.99 |
0.15% |
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$5,000.00 - $9,999.99 |
0.20% |
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$10,000.00 and over |
0.25% |
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| Savings rates last amended - 6/2/2010. All Rates subject to change without notice, some rates change more frequently than others. For a complete disclosure of terms, current rates, or additional Savings account options, please call us at 800-229-2848. |
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¹ Share and Checking account rates are shown as Dividend Annual Percentage Yields. The Dividend Rate and Annual Percentage Yield may change at any time as determined by the credit union's Board of Directors. The Dividend Rates and Percentage Yields are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period. Dividends are paid from current income and available earnings after required transfers to reserve at the end of the dividend period.
² Other Savings Account rates are shown as Interest Annual Percentage Yields. All savings rates are variable, this means the rate and annual percentage yield may change at any time as determined by the Board of Directors.
³ For checking accounts, the Dividend Rate and Annual Percentage Yield for your account will be determined by the average monthly balance in your combined savings and investments accounts, excluding the checking account (S3) balance. If the average monthly balance for the qualification period is $2,500.00 or greater, the Interest Rate and Annual Percentage Yield for the applicable balance range as listed above for Bonus Checking will apply. If the average monthly balance for the qualification period is less than $2,500.00, the Interest Rate and Annual Percentage Yield for the applicable balance range as listed above for Checking Account will apply. The qualification period begins on the first business day of the month and ends on the last business day of the month. |
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FlexRate Certificates Rates |
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Term |
Minimum Balance |
Annual Percentage Yield¹ |
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36 Month FlexRate Certificate² |
$2,500.00 |
1.86% |
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48 Month FlexRate Certificate² |
$2,500.00 |
2.37% |
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60 Month FlexRate Certificate² |
$2,500.00 |
2.73% |
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CD and IRA Certificate Rates |
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Term |
Minimum Balance |
Annual Percentage Yield¹ |
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3 Month |
$500.00 |
0.50% |
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6 Month |
$500.00 |
0.75% |
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12 Month |
$500.00 |
1.21% |
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18 Month |
$500.00 |
1.36% |
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24 Month |
$500.00 |
1.51% |
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30 Month |
$500.00 |
1.76% |
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36 Month |
$500.00 |
1.86% |
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48 Month |
$500.00 |
2.37% |
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60 Month |
$500.00 |
2.73% |
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IRA Certificates are only available in 12 month terms and longer. Youth Certificates require a $100.00 minimum balance to open and offer unlimited additional deposits. Other promotional terms or specials may be offered at any time. |
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| Certificates rates last amended - 6/2/2010. All Rates subject to change without notice, some rates change more frequently than others. Other certificates are available, please call for additional information. |
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¹ You may increase the published rate by .10% if you are a Zenith Club Member, and/or .10% if you open a certificate of $10,000 or more - for a total reward up to .20%! Term must be one year or longer. Certificate rates remain fixed for the term of the certificate. The compounding and crediting frequency of interest is stated in the disclosure of terms. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. For a complete disclosure of terms, if you have any questions or need current rate information on your accounts, please call (651) 264-0669 or 1-800-229-2848.
² FlexRate Information: You may request a rate change one time during the life of the CD. Your rate will be changed to the current rate offering for an equivalent term, and earnings will be calculated at your new rate from the effective date through the end of your term. The request must be in writing acknowledged by a designated UECU staff member. A replacement CD form will not be furnished. The rate change form will serve as an Addendum to the original Certificate. Additional Deposits: For 3-year Flex Rate Certificate accounts, you may make three additional deposits during the term of your account. For 4-year Flex Rate Certificate accounts, you may make four deposits during the term of your account. For 5-year Flex Rate Certificate accounts, you may make five deposits during the term of your account. See #1 above for disclosures and rate incentive information. This applies to all regular and Roth/IRA/Educational certificates. |
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