RATES

SAVINGS RATES

Primary, Secondary, & Christmas Club Savings

Rates effective 11/01/2018

Balance	Rate	APY
$0 - $999	0.10%	0.10%
Dividend rate prior mo	0.10%	0.10%
$1,000+	0.15%	0.15%
Dividend rate prior mo	0.15%	0.15%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. The minimum balance required to open a Primary Savings account is $10.00.

Crimson Checking

Rates effective 11/01/2018

Balance	Rate	APY
$0 - $4,999	0.10%	0.10%
$5,000 - $9,999	0.10%	0.10%
$10,000 - $19,999	0.15%	0.15%
$20,000 - $49,999	0.30%	0.30%
$50,000 - $99,999	0.40%	0.40%
$100,000+	0.50%	0.50%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Crimson Checking is subject to a $7 monthly maintenance fee if the balance drops below $1,000 during the month or the combined share balances drop below $25,000.

Business Money Market Checking

Rates effective 11/01/2018

Balance	Rate	APY
$0 - $4,999	0.10%	0.10%
$5,000 - $9,999	0.10%	0.10%
$10,000 - $19,999	0.15%	0.15%
$20,000 - $49,999	0.15%	0.15%
$50,000 - $99,999	0.20%	0.20%
$100,000+	0.25%	0.25%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.

Money Market Accounts

Rates effective 11/01/2018

Balance	Rate	APY
Less than $4,999	0.10%	0.10%
$5,000 - $9,999	0.25%	0.25%
$10,000 - $19,999	0.30%	0.30%
$20,000 - $49,999	0.50%	0.50%
$50,000 - $99,999	0.60%	0.60%
$100,000 - $149,999	0.70%	0.70%
$150,000 - $499,999	0.75%	0.75%
$500,000+	0.80%	0.80%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. The minimum balance required to open a Money Market Account is $1,000.

High Yield Money Market Accounts

Rates effective 11/01/2018

Balance	Rate	APY
$25,000 - $49,999	0.55%	0.55%
$50,000 - $99,999	0.65%	0.65%
$100,000 - $249,999	0.75%	0.75%
$250,000 - $499,999	0.80%	0.80%
$500,000+	0.85%	0.85%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Must have a minimum of $25,000 to open a High Yield Money Market Account.

IRA Accounts

IRA Share Certificates

Rates effective 11/09/2018

Term	Rate	APY
6 months	1.49%	1.50%
12 months	2.47%	2.50%
18 months	2.62%	2.65%
24 months	2.72%	2.75%
30 months	2.81%	2.85%
36 months	3.11%	3.15%
48 months	3.20%	3.25%
60 months	3.45%	3.51%

*APY=Annual Percentage Yield. Rates are subject to change at any time and without notice. Fees may reduce earnings. The minimum opening balance for an IRA Certificate is $500. You may incur a penalty should you choose to withdraw your money before the completion of the term.

IRA Bump Share Certificates

Rates effective 11/09/2018

Term	Rate	APY
6 months	1.34%	1.35%
12 months	2.33%	2.36%
18 months	2.47%	2.50%
24 months	2.57%	2.60%
30 months	2.67%	2.70%
36 months	2.96%	3.00%
48 months	3.06%	3.10%
60 months	3.30%	3.35%

*APY=Annual Percentage Yield. Rates are subject to change at any time and without notice. Fees may reduce earnings. The minimum balance for a IRA Bump Share Certificate is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFCU will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. Bump option pertains to the prevailing UFCU term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.

IRA Accumulator Account

Rates effective 11/01/2018

Balance	Rate	APY
Less than $4,999	0.25%	0.25%
$5,000 - $9,999	0.35%	0.35%
$10,000 - $19,999	0.40%	0.40%
$20,000 - $49,999	0.45%	0.45%
$50,000 - $99,999	0.50%	0.50%
$100,000 - $149,999	0.55%	0.55%
$150,000 - $499,999	0.60%	0.60%
$500,000+	0.65%	0.65%

*APY=Annual Percentage Yield. Rates are subject to change at any time and without notice.Fees may reduce earnings.

Certificate Accounts

Regular Share Certificates

Rates effective 11/09/2018

Term	Rate	APY
6 months	1.49%	1.50%
12 months	2.47%	2.50%
18 months	2.62%	2.65%
24 months	2.72%	2.75%
30 months	2.81%	2.85%
36 months	3.11%	3.15%
48 months	3.20%	3.25%
60 months	3.45%	3.51%

*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a Regular Certificate is $500. You may incur a penalty should you choose to withdraw your money before the completion of the term. Not available for financial institutions or other institutional investors.

12-Month Access Share Certificates**

Rates effective 11/09/2018

Term	Rate	APY
12 months	2.23%	2.25%

*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a 12-Month Access Certificate is $500. The 12-Month Access Certificate balance must not fall below $100 in order to keep the Access Certificate account open. You will incur a penalty should you close your account before the completion of the term. Not available for financial institutions or other institutional investors. 12-Month Access Share Certificates available only on consumer accounts.

**U Save Share Certificates and Access available only on consumer accounts.

Regular Bump Share Certificates

Rates effective 11/09/2018

Term	Rate	APY
6 months	1.34%	1.35%
12 months	2.33%	2.36%
18 months	2.47%	2.50%
24 months	2.57%	2.60%
30 months	2.67%	2.70%
36 months	2.96%	3.00%
48 months	3.06%	3.10%
60 months	3.30%	3.35%

*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a Regular Bump Certificate Rates is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFCU will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. The One-time Bump Share Certificate is not automatically renewable. At maturity, the One-time Bump Certificate Account will renew to a Regular Certificate Account with the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day grace period after maturity. Bump option pertains to the prevailing UFCU term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.

U Save Share Certificates**

Rates effective 11/09/2018

Term	Rate	APY
3-5 months	1.19%	1.20%
6-11 months	1.44%	1.45%
12-17 months	2.42%	2.45%
18-23 months	2.57%	2.60%
24-29 months	2.67%	2.70%
30-35 months	2.76%	2.80%
36 months	3.06%	3.10%
48 months	3.15%	3.20%
60 months	3.40%	3.45%

*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a U Save Certificate is $10. You may incur a penalty should you choose to withdraw your money before the completion of the term.
**U Save Share Certificates and Access available only on consumer accounts.

LOAN RATES

Rates effective as of 11/01/2018.
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 October 1, 2018 is 5.00%

Visa Cards

Rates effective 11/01/2018

Card	*Variable APR As Low As**	*APR As Low As**
Overdraft Line of Credit	n/a	13.99%
Visa Crimson Card	9.99%	n/a
Visa Crimson Rewards Card	10.49%	n/a
Visa Student Rewards Card	16.99%	n/a
Visa Secure Card	n/a	12.99%
Visa Business Rewards Card	11.99%	n/a

*Cash Advance - 1.50% of each cash advance.
**Foreign Transaction - .80% of each foreign currency transaction in U.S. dollars, or 1.00% of each U.S. dollar transaction that occurs in a foreign country.

Auto Loans

Rates effective 11/01/2018

Term	Fixed APR*
66 months	As low as 3.89% with relationship pricing.
75 months ($10,000 min.)	As low as 4.14% with relationship pricing.
84 months ($15,000 min.)	As low as 4.89% with relationship pricing.

*APR=Annual Percentage Rate. Length of term and rate will determine the total interest you will pay over the life of the loan. For example, an 84 month auto loan at 4.64% for $15,000 would result in a monthly payment of approximately $209.52 and total interest charges of approximately $2,598.89. See current rates and terms.

Recreational Vehicle Loans

Rates effective 11/01/2018

Term	Fixed APR*
Up to 144 months	As low as 6.24%
Up to 180 months with 10 year maturity date	As low as 6.49%
Up to 240 months with 10 year maturity date	As low as 6.74%

*APR=Annual Percentage Rate. Length of term and rate will determine the total interest you will pay over the life of the loan. For example, a 144 month RV loan at 5.99% for $20,000 would result in a monthly payment of approximately $195.13 and total interest charges of approximately $8,096.66. Anything above 144 months has a 10 year maturity.

Signature Loans

Rates effective 11/01/2018

Amount	Term	Fixed APR*
Under $5,000	48 months	As low as 9.50%
$5,000+	60 months	As low as 9.50%

*Loans subject to credit approval. See current rates and terms. No down payment or collateral is required. The monthly obligation will be determined by the total loan amount and the term and interest rate of the loan. For example, the minimum payment for a loan with a 9.50% APR and 60-month term is approximately $21.09 per $1,000 borrowed.

Miscellaneous Secured Loans

Rates effective 11/01/2018

Type	Term	Fixed APR*
Shared Secured	60 months	Rate of savings + 3.00%
Certificate Secured	Maximum of Certificate	Certificate rate + 3.00%

*Loans subject to credit approval. See current rates and terms.No down payment or collateral (except for shares or certificate) is required. The monthly obligation will be determined by the total loan amount and the term and interest rate of the loan. For example, the minimum payment for a loan with a 4.96% APR and 60-month term is approximately $19.04 per $1,000 borrowed.

Home Equity Line of Credit

Rates effective 11/01/2018

Loan to Value	Minimum APR*	Maximum APR*
60% LTV	As low as 4.75%	18.00%
70% LTV	As low as 5.25%	18.00%
80% LTV	As low as 5.75%	18.00%
85% LTV	As low as 7.25%	18.00%
90% LTV	As low as 8.75%	18.00%
100% LTV	As low as 10.00%	18.00%

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

Home Equity - Second Mortgage

Rates effective 11/01/2018

Term	80% LTV	90% LTV	100% LTV
5 Years	4.49%	5.49%	6.74%
7 Years	4.74%	5.74%	6.99%
10 Years	5.74%	6.74%	7.99%

*Rates as low as. Loans subject to credit approval. See current rates and terms. Home equity financing will require a minimum of a 10% down payment. For example a $100,000 loan approved at 90% of value would require a down payment of $10,000. The minimum payment for a $90,000 loan with a 6.74% APR and 10-year term is $1,032.96. The minimum payment for a $90,000 loan with a 5.49% APR and a 5-year term is $1,718.69. These payment examples does not include taxes and insurance. Your actual payment may be higher. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples.

No-Fee First Mortgage

Rates effective 11/01/2018

Term	60% LTV	70% LTV	80% LTV
5 years	3.99%	3.99%	4.24%
7 years	4.24%	4.24%	4.49%
10 years	4.49%	4.49%	4.74%
12 years	4.74%	4.74%	4.99%

*Loans subject to credit approval. See current rates and terms. No-Fee First Home Mortgage financing will require a minimum of a 20% down payment. For example a $100,000 loan approved at 80% of value would require a down payment of $20,000. The minimum payment for a $80,000 loan with a 4.99% APR and 12-year term is $848.53. The minimum payment for a $80,000 loan with a 4.24% APR and 5-year term is $1,482.16. These payment examples does not include taxes and insurance. Your actual payment may be higher. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples. Closing costs waived include origination, processing, underwriting, tax service, appraisal, credit report, and title fees.

Conventional Mortgage Loans

Rates effective 11/01/2018

Terms	Origination Fee	APR
10, 15, 20, 30 Year	Yes¹	Up to 95% LTV Loan to values over 80% require mortgage insurance

*Loans subject to credit approval. See current rates and terms. Mortgage financing will require a minimum of a 5% down payment. For example a $100,000 loan approved at 95% of value would require a down payment of $5,000. The minimum payment for a $95,000 loan with a 3.875% APR and 30-year term is $446.73. This payment example does not include taxes and insurance. Your actual payment may be higher. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples.

¹ Costs include closing costs such as title insurance, appraisal, processing, underwriting and recording fees, etc. Costs do not include interest. Contact a loan specialist today.

FHA, Jumbo, Second Home, Construction, Lot, Investment Property Loans, ARM Loans

For competitive rates and terms call (801) 481-8840

FEES

Share Savings Account Fees

Fee Description	Fee	Notes
Closing Fee (Only if account is closed within 180 days of opening)	$10
Account transfer fee	$10	Per Regulation D, Transfer after 6

Checking Account Fees

Fee Description	Fee
Overdrawn / Courtesy Pay Fee	$25/item
Stop Payment Fee	$15/request as of 6/1/14
Check Image Research	$2/check
Crimson Checking (fee waived when minimum balance is maintained throughout the month)	$7/month
Smart Checking (fee waived when minimum of 4 out of 11 criteria are met per month)	$5/month
Paper Statement Fee (for Smart and eChecking accounts)	$2/month

Other Share Savings & Checking Account Fees

Fee Description	Fee
Dormant Account Fee (Applies to accounts that are inactive for 12+ months and have an invalid address on file. Does not apply to minor accounts.)	$5/month

Miscellaneous Fees

Fee Description	Fee
Account Reconciliation/ Research	$20/hour
Cashier's Check	$1/check
Payment from other institution by phone	$10/transaction
Payment from other institution online	$5/transaction
Items sent for Collection	$15/item
Foreign Check Deposits	$15/item
Legal Process Fee (Garnishment / Tax Levies)	$15/occurrence
Money Order	$1.50/item
Returned ACH Fee	$25/item
Returned Deposit Fee	$10/item
Returned Mail Fee (Waived with balance greater than $1,000)	$2/month
Statement Copy Fee (Previous Quarter)	Free
Statement Copy Fee (Per Quarter Prior to Previous Quarter)	$2/copy
Temporary Checks	$1/sheet of 5
Wire Transfer Fee(Incoming)	$10/transfer as of 6/1/14
Wire Transfer Fee (Outgoing)	$15/transfer as of 6/1/14
International Wire Transfer Fee (Outgoing)	$35/transfer as of 6/1/14
Lost Plastic Card Replacement	$5/card
Visa Gift Cards	$2.95/card
Visa Travel Cards	$8.95/card ($2.95 Per additional card tied to the same limit)
Visa Travel Card Reload	$2.95/reload
Stop Payment (on a Cashier's Check)	$15/request as of 6/1/14
Skip Payment Fee	$19/per item as of 11/12/15

Electronic Funds Transaction (EFT) Fees

Fee Description	Fee
ATM Transaction Fee (At ATMs not participating in the CO-OP Network)	$2/transaction

Credit/Debit Card Foreign Transaction Fees

Fee Description	Fee
International Service Assessment (ISA) (Transactions initiated in a foreign currency)	1% per transaction
Currency Fee (Transactions occurring in foreign countries and initiated in U.S. dollars)	.80% per transaction

Basic Business Account Fees

Fee Description	Fee
Transactions (Includes deposits, drafts cleared, and checks received)	15¢ in excess of 200 (per month)
Cash Handling (Other fees and charges may apply based on volume)	.05%; after the first $10,000 per month

Business Money Market Account Fees

Fee Description	Fee
Maintenance Fee	$10/month
Transactions (Includes deposits, checks cleared, etc.)	10¢ per transaction
Cash Handling (Other fees and charges may apply based on volume)	.03%; after the first $10,000 per month

Other Business Account Fees

Fee Description	Fee
Returned Deposit Fee	$3/item
Printed Statement Option	$2/month

U MONEYMOBILE

ONLINE BANKING

RATES

SAVINGS RATES

Primary, Secondary, & Christmas Club Savings

Crimson Checking

Business Money Market Checking

Money Market Accounts

High Yield Money Market Accounts

IRA Accounts

IRA Share Certificates

IRA Bump Share Certificates

IRA Accumulator Account

Certificate Accounts

Regular Share Certificates

12-Month Access Share Certificates**

Regular Bump Share Certificates