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Loan Annual Percentage Rates |
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Vehicle & Personal Loans |
Term |
APR |
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New and Used Autos ¹, ² |
Up to 72 Months |
as low as 2.49%
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New or Used Recreational Vehicles, Motorcycles, Watercraft ¹, ² |
Up to 72 Months |
as low as 2.49%
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Recreational Vehicles, Watercraft 2008 and newer ¹, ² |
7 to 15 years |
as low as 4.50%
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Unsecured Signature Loan ¹, ³ |
24 to 60 months |
as low as 6.99%
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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, for vehicles 75,000 miles or less. Other rates are available for used vehicles with higher mileage. 84 month term available if financing $30,000 or more.
³ Unsecured Signature Loan PAYMENT EXAMPLE: For every $1,000 borrowed at 6.99% APR over 2 years, the monthly payment is $44.77. |
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Home Equity Loans |
Term |
APR |
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Home Equity Line of Credit (variable APR) ¹ |
15 year |
as low as 3.50%
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Second Mortgage (80% LTV) ¹, ² |
15 year |
as low as 5.75%
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Second Mortgage (90% LTV) ¹, ² |
12 year |
as low as 6.75%
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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 5.75% APR over 15 years, the monthly payment is $8.30. |
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VISA Platinum Credit Card (Variable APR) ¹ |
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9.74%
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¹ Please click here for required credit card disclosures.
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| Loan rates last amended - 7/1/2012. 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 & Savings Annual Percentage Yields |
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Checking Account |
Minimum Balance to Earn Interest |
APY |
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Checking Account ¹ |
$1,000.00 - $9,999.99 |
0.05% |
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$10,000.00 - $24,999.99 |
0.05% |
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$25,000.00 - $49,999.99 |
0.05% |
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$50,000.00 and over |
0.05% |
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Savings Accounts |
Minimum Balance to Earn Interest |
APY |
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Youth Account¹ |
$5.00 - $2,499.99 |
0.05% |
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$2,500.00 - $9,999.99 |
0.06% |
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$10,000.00 and over |
0.07% |
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Share/Organizational Savings Account ¹ |
$5.00 - $2,499.99 |
0.05% |
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$2,500.00 - $9,999.99 |
0.06% |
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$10,000.00 and over |
0.07% |
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"You Name It" Savings Account ² |
$5.00 - $2,499.99 |
0.06% |
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$2,500.00 - $9,999.99 |
0.07% |
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$10,000.00 and over |
0.08% |
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Investment Savings Accounts |
Minimum Balance to Earn Interest |
APY |
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VIP Savings Account ² |
$2,500.00 - $9,999.99 |
0.10% |
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$10,000.00 - $24,999.99 |
0.10% |
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$25,000.00 - $49,999.99 |
0.10% |
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$50,000.00 - $99,999.99 |
0.11% |
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$100,000.00 and over |
0.13% |
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IRA/Health Savings Account ² |
$25.00 - $2,499.99 |
0.10% |
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$2,500.00 - $9,999.99 |
0.11% |
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$10,000 and over |
0.12% |
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IRA Savings - are available for ROTH, Traditional and Coverdell IRA's |
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| Savings rates last amended - 4/1/2013. All Rates subject to change without notice, some rates change more frequently than others. Fees could reduce earnings on the account. For a complete disclosure of terms, current rates, or additional Savings account options, please call us at 651-264-0669 or 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. |
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CD and IRA Annual Percentage Yields |
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FlexRate Certificate Term |
Minimum Balance |
Annual Percentage Yield¹ |
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36 Month FlexRate Certificate² |
$2,500.00 |
0.80% |
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48 Month FlexRate Certificate² |
$2,500.00 |
1.10% |
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60 Month FlexRate Certificate² |
$2,500.00 |
1.31% |
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CD and IRA Certificate Term |
Minimum Balance |
Annual Percentage Yield¹ |
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3 Month |
$500.00 |
0.20% |
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6 Month |
$500.00 |
0.25% |
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12 Month |
$500.00 |
0.40% |
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18 Month |
$500.00 |
0.50% |
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24 Month |
$500.00 |
0.60% |
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30 Month |
$500.00 |
0.70% |
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36 Month |
$500.00 |
0.80% |
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48 Month |
$500.00 |
1.10% |
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60 Month |
$500.00 |
1.31% |
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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. Other promotional terms or specials may be offered at any time. |
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| Certificates rates last amended - 2/12/2013. 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! 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. See #1 above for disclosures and rate incentive information. This applies to all regular and Roth/IRA/Educational certificates. |
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