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United Educators Credit Union Rate Board

     
Loan Rates Checking & Savings Rates CD & IRA Rates
 

Loan Annual Percentage Rates

 

 

Vehicle & Personal Loans

Term

APR

 

 

New and Used Autos ¹, ²

Up to 72 Months

as low as 2.49%

 

 

New or Used Recreational Vehicles, Motorcycles, Watercraft ¹, ²

Up to 72 Months

as low as 2.49%

 

 

Recreational Vehicles, Watercraft 2009 and newer ¹, ²

7 to 15 years

as low as 4.50%

 

 

Unsecured Signature Loan ¹, ³

24 to 60 months

as low as 6.99%

 
  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 100,000 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.
 
 

 

Home Equity Loans

Term

APR

 

 

Home Equity Line of Credit (variable APR) ¹

15 year

as low as 3.50%

 

 

Home Equity Loan/Second Mortgage (80% LTV) ¹, ²

5 yr balloon (15 yr amortization)

as low as 3.95%

 

 

Home Equity Loan/Second Mortgage (90% LTV) ¹, ²

5 yr balloon (15 yr amortization)

as low as 4.95%

 
  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 (Line of Credit only). 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 3.95% APR over 15 years the payment is $7.38 per month. This loan has a five year balloon and 15 year amortization, meaning the loan matures and the balance is due in five years, however the payment is based on a 15 year term.
 
 

 

Credit Card

 

APR

 

 

VISA Platinum Credit Card (Variable APR) ¹

9.74%

 
  ¹ Please click here for required credit card disclosures.
 
 
Loan rates last amended - 2/13/2014. All Rates subject to change without notice, some rates change more frequently than others. Other loan types are available, please call for additional information.

Apply Online! Third Party Website

 
 

Checking & Savings Annual Percentage Yields

 

 

Checking Account

Minimum Balance to Earn Interest

Annual Percentage Yield

 

 

Basic Checking Account²

$1,000.00 - $9,999.99

0.05%

 

 

 

$10,000.00 - $24,999.99

0.05%

 

 

 

$25,000.00 - $49,999.99

0.05%

 

 

 

$50,000.00 and over

0.05%

 

 

Kasasa® Reward Checking – click here for details

 

 

 

 

 

Savings Accounts

Minimum Balance to Earn Interest

Annual Percentage Yield

 

 

Youth Account¹

$5.00 - $2,499.99

0.05%

 

 

 

$2,500.00 - $9,999.99

0.06%

 

 

 

$10,000.00 and over

0.07%

 

 

Share/Organizational Savings Account ¹

$5.00 - $2,499.99

0.05%

 

 

 

$2,500.00 - $9,999.99

0.06%

 

 

 

$10,000.00 and over

0.07%

 

 

"You Name It" Savings Account ²

$5.00 - $2,499.99

0.06%

 

 

 

$2,500.00 - $9,999.99

0.07%

 

 

 

$10,000.00 and over

0.08%

 

 

 

 

Investment Savings Accounts

Minimum Balance to Earn Interest

Annual Percentage Yield

 

 

VIP Savings Account ²

$2,500.00 - $9,999.99

0.10%

 

 

 

$10,000.00 - $24,999.99

0.10%

 

 

 

$25,000.00 - $49,999.99

0.10%

 

 

 

$50,000.00 - $99,999.99

0.11%

 

 

 

$100,000.00 and over

0.13%

 

 

IRA/Health Savings Account ²

$25.00 - $2,499.99

0.10%

 

 

 

$2,500.00 - $9,999.99

0.11%

 

 

 

$10,000 and over

0.12%

 

  IRA Savings - are available for ROTH, Traditional and Coverdell IRA's  
 
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.
 
¹ Share 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 and Checking 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.
 
 

CD and IRA Annual Percentage Yields

 

 

FlexRate Certificate Term

Minimum Balance

Annual Percentage Yield¹

 

 

36 Month FlexRate Certificate²

$2,500.00

0.75%

 

 

48 Month FlexRate Certificate²

$2,500.00

1.00%

 

 

60 Month FlexRate Certificate²

$2,500.00

1.21%

 
 

 

CD and IRA Certificate Term

Minimum Balance

Annual Percentage Yield¹

 

 

6 Month

$500.00

0.25%

 

 

12 Month

$500.00

0.35%

 

 

18 Month

$500.00

0.40%

 

 

24 Month

$500.00

0.50%

 

 

30 Month

$500.00

0.60%

 

 

36 Month

$500.00

0.75%

 

 

48 Month

$500.00

1.00%

 

 

60 Month

$500.00

1.21%

 
  Youth Certificates require a $100.00 minimum balance to open. Other promotional terms or specials may be offered at any time.  
 
Certificates rates last amended - 12/2/2013. All Rates subject to change without notice, some rates change more frequently than others. Other certificates are available, please call for additional information.
 
¹Certificate 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, interest 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.