Loan Rates
Interest Rates on Consumer Loans
Effective: May 1, 2013.
For a recorded message of current rates, please call (801) 481-8841.
Loan rates are based on credit history and account relationship with UCU. Annual Percentage Rate (APR) may change without notice.
Prime Rate as of January 1, 2013 is 3.25%
| Card | Variable APR* | Fixed APR* |
|---|---|---|
| Overdraft Line of Credit | n/a | 13.99% |
| Visa Crimson Card | 7.99% | 12.49% |
| Visa Crimson Rewards Card | 8.49% | 12.99% |
| Visa Platinum Card | 9.99% | 13.99% |
| Visa Student Rewards Card | 14.99% | n/a |
| Visa Secure Card | n/a | 12.99% |
| Visa Business Card | n/a | 14.75% |
| Visa Business Rewards Card | n/a | 16.75% |
| Term | Fixed APR* | |
|---|---|---|
| Auto/Van/Truck | 66 months | As low as 2.49% Relationship pricing is required to receive advertised rate. |
| Auto/Van/Truck | 75 months ($10,000 min.) | As low as 2.84% |
| Auto/Van/Truck | 84 months ($15,000 min.) | As low as 3.79% |
| Term | Fixed APR* | |
|---|---|---|
| New/Used RV Loans | Up to 144 months | As low as 4.49% |
| New/Used RV Loans | Up to 240 months with 10 year maturity date | As low as 4.49% |
| Term | Minimum APR* | Maximum APR* | |
|---|---|---|---|
| Signature Loan (For loans under $5,000 48 Month Term) | 60 months | 10.25% | 18.00% |
| Term | Fixed APR* | |
|---|---|---|
| Share - Secured | 60 Months | Rate of Deposit Plus 3.00% |
| Certificate - Secured | Maximum of Certificate | Certificate Rate Plus 3.00% |
Rates vary upon loan to value and credit. Owner occupied and single family residence only.
2.99% for the first Six months up to 100% LTV
| Minimum APR* | Maximum APR* | |
|---|---|---|
| 60% LTV | As low as 3.74% | 18.00% |
| 70% LTV | As low as 3.74% | 18.00% |
| 80% LTV | As low as 3.75% | 18.00% |
| 85% LTV | As low as 5.25% | 18.00% |
| 90% LTV | As low as 6.75% | 18.00% |
| 100% LTV | As low as 8.00% | 18.00% |
Home Equity - Second Mortgage
| 60% | 70% | 80% | 85% | 90% | |
|---|---|---|---|---|---|
| 5 | 4.25% | 4.49% | 4.74% | 5.24% | 5.74% |
| 7 | 4.50% | 4.75% | 4.99% | 5.49% | 5.99% |
| 10 | 5.50% | 5.75% | 5.99% | 6.49% | 6.99% |
No-Fee First Mortgage
| 60% | 70% | 80% | |
|---|---|---|---|
| 5 | 2.99% | 3.24% | 3.49% |
| 7 | 3.24% | 3.49% | 3.74% |
| 10 | 3.49% | 3.74% | 3.99% |
| Interest Rate | Origination Fee | APR* | |
|---|---|---|---|
| Longer Term Mortgages | 10, 15, 20, 30 Year | Yes ¹ | Up to 97% loan to value Loan to values over 80% may require mortgage insurance. |
¹ The cost varies and is based on factors such as your employment, equity in the home or down payment and credit score, etc. Costs include interest and closing costs such as title insurance, origination fee, appraisal, processing and recording fees, etc. Contact a loan specialist today
Second Home / Construction / Lot / Investment Property Loans
For competitive rates and terms call 801-481-8840
* APR = Annual Percentage Rate
** APY = Annual Percentage Yield
1 Account only available if opened prior to 2012
