Effective: March 1, 2010.
For a recorded message of current rates, please call (801) 481-8841.
Loan rates are based on credit history and account relationship with UUFCU. Annual Percentage Rate (APR) may change without notice.
Prime Rate as of 12/16/08 is 3.25%

• Debit & Credit Cards
• Auto / Van / Truck Loans
• Personal Loans
• Home Loans
• RV Loans
  

Debit and Credit Card Rates
	Annual Fee	Fixed APR
Visa Access Plus Debit	$0.00	16.00%
Visa Classic Credit Card	$0.00	13.90%
Visa Platinum Credit Card	$0.00	10.99%

Auto / Van / Truck Loans
	Term	Fixed APR
New Auto	66 Mos.	As low as 4.99%
	72 Mos. ($15,000 min.)	As low as 5.24%
	84 Mos. ($25,000 min.)	As low as 6.74%
Used Auto (1 - 3 years)	66 Mos.	As low as 4.99%
Used Auto (4 - 5 years)	60 Mos.	As low as 4.99%
Used Auto (6 - 7 years)	48 Mos.	As low as 4.99%
Used Auto (8+ years)	36 Mos.	As low as 9.99%

Recreational Vehicle Loans
	Term	Fixed APR
New RV Loans	Up to 144 months	As low as 6.49%
Used RV Loans	Up to 144 months	As low as 6.99%
For more information, please call 801-481-8899

Signature Loans
	Term	Min. APR	Max. APR
Signature Loan (For loans under $5,000)	36 Mos.	10.25%	18.00%

Misc. Secured Loans
	Apr. Term	Fixed APR
Share - Secured (Term Deposit)	Fixed	Rate of Term Deposit Plus 3.00%

Home Equity Line of Credit
Rates vary upon loan to value and credit. Owner occupied and single family residence only.
	Min. APR	Max. APR
(Up to 50% LTV)	As low as 5.00%	18.00%
(Up to 80% LTV)	As low as 5.00%	18.00%
(Up to 85% LTV)	As low as 5.25%	18.00%

2nd Mortgage
We offer a fixed or variable interest rate. Owner occupied and single family residence only. Variable rates based on Prime rate index. Call 801-481-8840 for more information.
	Interest Rate	Origination Fee*	APR
Up to 20 Year Fixed	As low as 6.00%	$0	11.20%

Conventional Mortgage Loans
	Term	Fee	APR
No-Fee First Mortgage	5, 7 and 10 Year	0	As low as 6.00%
Longer Term Mortgages	10, 15, 20, 30 Year	Up to 95% loan to value Call 801-481-8840 for more information

Second Home / Construction / Lot / Investment  Property Loans
For competitive rates and terms call 801-481-8840

Government Guaranteed - Student Loans
Stafford	6.80%
Plus	8.50%
Rates good until 7/1/10