Rates

*APY = Annual Percentage Yield.

¹APY is accurate as of 11/1/2025 and subject to change or end at any time. Dividend rate is 2.960%. Minimum opening deposit is $5. Minimum balance required to earn APY is $2,500.00. The High Yield Savings Account is a tiered rate account. 0% APY for a balance less than $2,500.00 and 3.00% APY for balances $2,500.00 and more. The APY for each balance tier is variable and is subject to change after the account is opened. High Yield Savings Account is only available for new money deposited to UCU. New money is money not currently or previously held in a UCU account.

²To earn up to 5.00% APY, member must have a qualifying University Checking Account. Based on a combined rate of 4.88%. Credit card must be active, have at least one monthly transaction (excludes balance transfers and cash advances), and be enrolled in credit card eStatements to qualify for the extra 1.00% APY in dividends. Account does not earn dividends if there is a $0 balance in a HELOC at the end of the month. All accounts must be in good standing with no delinquency or bankruptcy pending. Multiple loans in the same category count for only 1.00% APY in dividends.

Qualifying University Checking Accounts will earn 1.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate. Qualifying University Checking Accounts are defined as having at least 25 transactions per month (includes transactions made with both debit and credit cards) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. Secondary University Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active University Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a University Checking Account. All accounts are subject to approval.

³To earn 2.50% APY, member must have a qualifying Smart Checking Account, opened August 1, 2024 and after. Based on a combined rate of 2.472%. All accounts must be in good standing with no delinquency or bankruptcy pending. Qualifying Smart Checking Accounts will earn 2.50% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate.

Qualifying Smart Checking Accounts are defined as being enrolled in eStatements and having a direct deposit to the Smart Checking Account of at least $1,000 aggregated monthly. If the requirements are not met, then no dividend is earned. Secondary Smart Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active Smart Checking Account. Fees could reduce the earnings on the account. APY is accurate as of the last dividend declaration date. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. No minimum balance is required. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a Smart Checking Account. All accounts are subject to approval. For other details regarding this account, you can reference your account disclosures, which detail all other terms and conditions.

⁴Available only on new money deposited to UCU. New money is money not currently or previously held in a UCU account. Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.

⁵Special Promotional certificate will renew as a 6-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.

⁶APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicles up to seven model years old and newer.

⁷Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member’s loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.

⁸Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. The maximum annual percentage rate for a UCU Credit Card is 23.99% APR. Rates current as of 10/30/2025, and are subject to change based on market conditions and borrower eligibility.

⁹Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised.

¹⁰This payment example is for a $500 loan at 9.13% APR, paid over a 24-month term. All other payment examples are estimates per $1000.

¹¹Rates are based on an evaluation of credit history and other factors specific to your personal line of credit and may be higher than the lowest rates advertised. Rate may change based on the index which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. The current index for this quarter as of 10/30/2025 is 7.00%.