Rates

Credit Cards

 Rates Effective as of 9/1/2018

Visa® Credit Cards

Visa® Credit Cards APR* Amount
Visa® Gold 6.75% to 13.75% Up to $20,000
Visa® Platinum Rewards 7.75% to 14.75% Up to $20,000

* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index.  It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.  Credit limits up to $3,000 require a minimum 680 FICO credit score. Credit limits between $3,000 and $7,,500 require a minimum 700 FICO credit score.  Credit limits between $7,500 and $10,000 require a minimum 720 credit score. Credit  limits over $10,000 require a minimum 760 FICO credit score.  Call 1-800-975-3328 or email John.Holtzhauer@Unilever.com for qualifying details.

Mortgages

Rates Effective as of 9/20/2018

Home Equity Line of Credit**

Loan Type Term APR* Interest Rate Rate Formula
80% LTV 15 Yrs 4.00%** 4.00%** Based on Prime

1st Mortgage Fixed Rate Programs

Loan Type Term APR* Interest Rate
15 Year Fixed 15 Yrs 4.425% 4.378%
20 Year Fixed 20 Yrs 4.78 % 4.75%
30 Year Fixed 30 Yrs 4.772% 4.75%

1st Conforming Mortgage loans/Fixed Rate Programs
Loans between $453,100  and $679,650 ***

Loan Type Term APR* Interest Rate
20 YR Fixed 20 Yrs 5.036% 5.00  %
30 YR Fixed 30 Yrs 5.027% 5.00 %

2nd Mortgage Fixed Rate Programs

Loan Type Term APR* Interest Rate
5 YR Fixed 5  Yrs 5.701% 5.50%
10 YR Fixed 10 Yrs 5.861% 5.75%
15 YR Fixed 15 Yrs 6.079% 6.00%

*APR= Annual Percentage Rate. 

**Home Equity Line of Credit.  The HELOC interest rate is an adjustable rate currently based on the  Prime Rate, minus 1.00% (With a minimum interest rate of 4.00%). Your rate will be reviewed monthly. The maximum Annual Percentage Rate that can apply is 18.00%, or the maximum permitted by law, whichever is less. Introductory Rate HELOCs require a minimum FICO credit score of 740, and a combined loan-to-value (total amount owed on your home, divided by the appraised value) not to exceed 75%.  The maximum 2nd mortgage/home equity line of credit loan amount is $50,000.

***First Conforming Mortgage Loans Between $453,100 & $679,650 and High Cost Counties.  Loan amounts between $453,100 & $679,650 are available in “high-cost” Counties only.  To determine if your home is in a “high-cost” County, Click here.

All mortgage loans must meet Credit Union credit approval requirements including a loan-to-value maximum of 80% and must be owner-occupied or 2nd home/vacation home.  Actual rate and term will be based on your credit worthiness and your ability to repay.  UFCU reserves the right to withdraw this offer at any time.  Rates are subject to change without further notice. Certain costs and restrictions may apply.

Installment mortgage loans (1st and 2nd mortgage loans) require a minimum FICO credit score of 700. 

Call 1-800-975-3325 or email john.holtzhauer@unilever.com for qualifying details.

 

Vehicle / Personal Loans

Rates Effective as of 9/1/2018

Vehicle Rates**

Loan Type
New & Pre-owned
Term APR*
Car, Van, Truck 12 months 2.50%
Car, Van, Truck 24 months 2.75%
Car, Van, Truck 36 months 3.00%
Car, Van, Truck 48 months 3.25%
Car, Van, Truck 60 months 3.50%
New Only 72 months 3.75%

Personal Loans**

Loan Type Term APR* Amount
Personal     Up to 60 months 8.50% – 16.9% Up to $20,000**

Share Or CD Secured Loans**

Loan Type Term APR*
Regular Share Savings  Up to 36 months Current Dividend + 2.50%
Certificate of Deposit Up to 60 months CD Rate + 3.50%+

Stock Secured Loan**

Loan Type Term APR*
New York, NASDAQ Up to 60 months 8.00%

*APR= Annual Percentage Rate. The actual APR of the loan is based upon credit score and capability to repay loan.  Rates are subject to change without further notice.  Limited time offer.  Must be a UFCU member  to apply.
**Personal and Vehicle Loans
The posted interest rates are for current model year vehicles, and 3 previous model year vehicles (2018-2015).
The maximum repayment term for model years 2013 and older is 48 months.
Vehicle model years 2011 thru 2014-add 100 basis points to the posted vehicle interest rates.
Vehicle model years 2009 thru 2010-add 200 basis points to the posted vehicle interest rates.
Personal Loans and Vehicle Loans under $5,000 require a minimum 650 FICO Credit Score.
Personal Loans and Vehicle Loans over $5,000 require a minimum 760 FICO Credit Score.

 Call 1-800-975-3328 or email John.Holtzhauer@Unilever.com for qualifying details.

Student Refinance Loan

Rates Effective as of 9/17/2018

Student Refinance Loan Rates

Loan Type Term APR*
Student Refinance 96 months 3.50%
Student Refinance 84 months 3.25%
Student Refinance 72 months 2.99%
Student Refinance 60 months 2.75%
Student Refinance 48 months 2.50%
Student Refinance 36 months 2.25%
Student Refinance 24  months 1.99%

*APR= Annual Percentage Rate. The actual APR of the loan is based upon credit score and capability to repay loan.  Rates are subject to change without further notice.  We reserve the right to modify or discontinue.  The maximum amount to borrow is $50,000.  Loans under $10,000 require a 700 FICO credit score.  Loans over $10,000 require a 720 FICO credit score.  Loans over $25,000 require a 740 FICO credit score.  You must be a member of UFCU to apply.
Call 1-800-975-73328 or email John.Holtzhauer@Unilever.com for qualifying details.

Savings

Rates Effective as of 9/1/2018

Money Market

Account Type Rate APY
Tier I
($2,500 to $9,999)
0.20% 0.20%
Tier II
($10,000 to $49,999)
0.30% 0.30%
Tier III
($50,000 and over)
0.50% 0.50%

Certificate Of Deposit

Account Type $1,000 $10,000 $75,000+
  Rate APY Rate APY Rate APY
3 months 0.60% 0.60% 0.70% 0.70% 0.80% 0.80%
6 months 0.90% 0.90% 1.00% 1.00% 1.10% 1.10%
12 months 1.20% 1.21% 1.30% 1.31% 1.40% 1.41%
18 months 1.20% 1.21% 1.30% 1.31% 1.40% 1.41%
24 months 1.60% 1.61% 1.70% 1.71% 1.80% 1.81%
30 months 1.60% 1.61% 1.70% 1.71% 1.80% 1.81%
36 months 1.80% 1.81% 1.90% 1.91% 2.00% 2.01%
48 months 2.00% 2.02% 2.10% 2.12% 2.20% 2.22%

Regular Share Accounts

Account Type Rate APY
2nd Quarter Actual 0.20% 0.20%
3rd Quarter Estimate 0.20% 0.20%

Rates are subject to change without further notice.
Upon maturity, certificates are renewed automatically for the same term and at the current rate, unless you specify otherwise. Check our website for our most current rates or call 1-800-975-3328.
Certificates of Deposit are subject to an early withdrawal penalty.
Certain cost and restriction may apply.
Minimum deposit amounts:
Money Market Accounts = $2,500.
Regular Certificates of Deposit = $1,000.
Roth or Traditional IRA = $500.