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Savings Rates

Rates effective as of 10/1/2019 and subject to change. Fees may reduce earnings.
APY = Annual Percentage Yield.
APR = Annual Percentage Rate.


High Yield Checking

Balance Interest Rate APY
0 - $10,000 1.98% 2.00%
$10,000+ 0.25% 2.00% to 0.41%
All balances if qualifications not met 0.05% 0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into Online Banking
  • Learn more
 

Checking & Savings

Account Min. Balance to Earn Interest APY
Basic Checking 1 $1,000 0.05%
Youth Savings1 $5 0.10%
Share/Organizational 1 $5 0.10%
"You Name It"2 $5 0.10%

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.


VIP Savings

Min. Balance to Earn Interest APY
$2,500.00 - $9,999.99 0.35%
$10,000.00 - $24,999.99 0.35%
$25,000.00 - $49,999.99 0.40%
$50,000.00 - $99,999.99 0.45%
$100,000.00 and over 0.65%

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.


IRA/Health Savings

Min. Balance to Earn Interest APY
$25.00 - $2,499.99 0.15%
$2,500.00 - $9,999.99 0.15%
$10,000 and over 0.15%

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.

Term Min. Balance APY
12 Month2 $500.00 1.51%
18 Month2 $500.00 1.76%
24 Month $500.00 1.76%
36 Month FlexRate 1 $500.00 2.02%
48 Month FlexRate 1,2 $500.00 2.27%
60 Month FlexRate 1,2 $500.00 2.52%

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, 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.

1 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 disclaimers above for disclosures and rate incentive information. This applies to all regular and Roth/IRA/Educational certificates.

2 Certificate terms are not available for Educational certificates.

 

 

Loan Rates

Rates Effective 10/1/2019

APR = Annual Percentage Rate. APR shown are "as low as"1.

calculate your payment


AUTO LOANS

Model Year Term APR as low as1,2
2013 and newer 36 months 2.94%
48 months 3.19%
60 months 3.44%
72 months 3.69%
84 months 4.19%

RECREATION VEHICLES, BOATS, and MOTORCYCLES

Model Year Term APR as low as1
2013 and newer 36 months 3.99% 
48 months 3.99%
60 months 4.24%
72 months 4.99%
120 months 6.49%
180 months 6.99%

PERSONAL LOANS

Loan Type Term APR as low as1
Unsecured Signature 1,3 Up to 60 months 7.74%

1 APR = 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 150,000 miles or less. Other rates are available for used vehicles with higher mileage and older model years. 84 month term available if financing $35,000 or more.
3 Unsecured Signature Loan PAYMENT EXAMPLE: For every $1,000 borrowed at 7.74% APR over 2 years, the monthly payment is $45.11.

HOME EQUITY LOANS

Loan Type Term APR as low as1
Line of Credit (variable)1 15 year 5.25%
Second Mortgage (80% LTV)2 5 yr balloon (15 yr amortization) 5.75%
Second Mortgage (90% LTV)2 5 yr balloon (15 yr amortization) 6.75%

1 APR = 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 5.75% APR over 15 years the payment is $8.31 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 Cards

Card Type APR as low as1
Mastercard® Platinum 10.24%
Mastercard® Platinum Rewards 12.24%