Rates

Credit Cards

 Rates Effective as of 7/1/2020

Visa® Credit Cards

Visa® Credit Cards APR* Amount
Visa® Gold 7.75% to 13.75% Up to $20,000
Visa® Platinum Rewards 9.75% 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. You must be a member of UFCU to apply.  Call 1-800-975-3328 or email John.Holtzhauer@Unilever.com for qualifying details.

Mortgages

Rates Effective as of 6/10/2020
NMLS – Nationwide Mortgage Licensing System # 457994

Home Equity Line Of Credit**

Loan Type Term APR* Points interest Rate
HELOC 15 Yrs 4.00% 0 4.00%


1st Fixed-Rate Mortgages  (Loan Amounts up to $510,400.00)

Loan Type Term     APR*
Points Interest Rate
15 YR Fixed 15 Yrs     2.835%      0 2.75%
20 YR Fixed 20 Yrs     3.075%      0 3.00%
30 YR Fixed 30 Yrs     3.175%      0 3.125%

Fixed-Rate Mortgages: Conforming, High-Cost Area
(Loans Amount Between $510,400.00  and $765,600.00 ***
Based on county where property is located)

Loan Type  Term APR* Points
Interest Rate
20 YR Fixed 20 Yrs 3.056%       0 3.00  %
30 YR Fixed 30 Yrs 3.155%      0 3.125 %

Adjustable Mortgage Rate****

Loan type Term APR Points Interest Rate
5 Yr/30 Yr ARM 30 Yrs 3.981% 0 2.99%

*APR= Annual Percentage Rate. 

**Home Equity Line of CreditThe 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 review monthly and can change based on changes to the Prime Rate.  The maximum Annual Percentage Rate that can apply is 18.00% or the maximum permitted by law, whichever is less. 
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 70%.  Property insurance required. UFCU reserves the right to withdraw this offer at any time.

***First Mortgage Conforming Loans Between $510,400.00 & $765,600.00 (High Cost Counties)
Loan amounts between $510,400.00 & $765,600.00 are available in “high-cost” Counties only. 
To determine if your home is in a “high-cost” County, Click here.

****Adjustable Mortgage (interest rate fixed for the initial 5 year term of the loan, and then rate adjusts yearly. Payment is calculated based on a 30-year amortization). Under the 5YR/30YR ARM product. Maximum loan amount of $765,600.00.

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.  You must be a member of UFCU to apply.

Installment mortgage loans (1st 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 7/1/2020

Vehicle Rates**

Loan Type
New & Pre-owned
Term APR*
Car, Van, Truck 12 months 3.24%
Car, Van, Truck 24 months 3.50%
Car, Van, Truck 36 months 3.75%
Car, Van, Truck 48 months 3.875%
Car, Van, Truck 60 months 4.125%
New Only 72 months 4.375%

Personal Loans**

Loan Type Term APR* Amount
Personal     Up to 48 months 10.75% – 16.9% Up to $20,000**


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 (2020-2017).
The maximum repayment term for model years 2015 and older is 48 months.
Vehicle model years 2013 thru 2016-add 100 basis points to the posted vehicle interest rates.
Vehicle model years 2011 thru 2012-add 200 basis points to the posted vehicle interest rates.
Personal Loans and Vehicle Loans under $5,000 require a minimum 720 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.

Boats/RVs Loans

Rates Effective as of 5/27/2020

Recreational Vehicle Loans

Product APR* Rate Type Max Term
New Boat/RV 5.00% Fixed 84 Months
Used Boat/RV 5.375% Fixed 84 Months

*Annual percentage rate. Loans on approved credit. Actual APR based on credit worthiness.
Rate is subject to change at any time without notice. Loan term is a maximum of 84 months.
Minimum required FICO Score of 760.  Minimum down payment of 20%.  Maximum amount financed $100,000.
Full coverage physical damage insurance required.
Existing UFCU loans cannot be refinanced; applies to new loans only. Membership required. 


Student Refinance Loan

Rates Effective as of 7/1/2020

Student Refinance Loan Rates

Loan Type Term APR*
Student Refinance 96 months 3.75%
Student Refinance 84 months 3.50%
Student Refinance 72 months 3.25%
Student Refinance 60 months 2.99%
Student Refinance 48 months 2.75%
Student Refinance 36 months 2.625%
Student Refinance 24  months 2.50%

*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 minimum FICO credit score.
Loans between $10,001 and $20,000 require a 740 minimum FICO credit score.
Loans between $20,001 and $50,000 require a 760 minimum FICO 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 7/1/2020

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%
MONEY MARKET II
   
No minimum required
1.10% 1.11%

Share Certificates

Account Type $1,000 $10,000 $75,000+
  Rate APY Rate APY Rate APY
3 months 0.45% 0.45% 0.45% 0.45% 0.60% 0.60%
6 months 0.45% 0.45% 0.45% 0.45% 0.60% 0.60%
12 months 0.55% 0.55% 0.55% 0.55% 0.70% 0.70%
18 months 0.55% 0.55% 0.55% 0.55% 0.70% 0.70%
24 months 0.65% 0.65% 0.65% 0.65% 0.80% 0.80%
30 months 0.80% 0.80% 0.80% 0.80% 1.05% 1.05%
36 months 0.90% 0.90% 0.90% 0.90% 1.05% 1.05%
48 months 1.00% 1.00% 1.00% 1.00% 1.15% 1.16%
60 months 1.15% 1.16% 1.15% 1.16% 1.30% 1.31%

 

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, share certificates are renewed automatically for the same term and at the current rate, unless you specify otherwise.
Share Certificates are subject to an early withdrawal penalty.
You must be a member of UFCU to apply.
Certain cost and restriction may apply.
Minimum deposit amounts:
Money Market Accounts = $2,500.
Share Certificates = $1,000.
Roth or Traditional IRA = $500.

 

 

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