RATES

With low, competitive interest rates, University Federal Credit Union has the right loan to meet your needs. In general, credit unions like University Federal Credit Union can offer lower rates on loans because they are responsible to depositors, not shareholders and investors.

Below are the latest University Federal Credit Union rates:

SAVINGS RATES

Primary, Secondary, & Christmas Club Savings

Rates effective 10/01/2021

Balance	Dividend Rate	APY*
$0 - $999	0.05%	0.05%
Dividend rate prior mo	0.05%	0.05%
$1,000+	0.10%	0.10%
Dividend rate prior mo	0.10%	0.10%

*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 10/01/2021

Balance	Dividend Rate	APY*
$0 - $4,999	0.05%	0.05%
$5,000 - $9,999	0.10%	0.10%
$10,000 - $19,999	0.10%	0.10%
$20,000 - $49,999	0.10%	0.10%
$50,000 - $99,999	0.15%	0.15%
$100,000+	0.15%	0.15%

*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 10/01/2021

Balance	Dividend Rate	APY*
$0 - $4,999	0.05%	0.05%
$5,000 - $9,999	0.05%	0.05%
$10,000 - $19,999	0.10%	0.10%
$20,000 - $49,999	0.15%	0.15%
$50,000 - $99,999	0.15%	0.15%
$100,000+	0.20%	0.20%

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

Money Market Accounts

Rates effective 10/01/2021

Balance	Dividend Rate	APY*
$0 - $4,999	0.05%	0.05%
$5,000 - $9,999	0.10%	0.10%
$10,000 - $19,999	0.10%	0.10%
$20,000 - $49,999	0.10%	0.10%
$50,000 - $99,999	0.15%	0.15%
$100,000 - $149,999	0.15%	0.15%
$150,000 - $499,999	0.20%	0.20%
$500,000+	0.20%	0.20%

*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 10/01/2021

Balance	Dividend Rate	APY*
$0 - $4,999.99	0.05%	0.05%
$5,000 - $9,999.99	0.10%	0.10%
$10,000 - $19,999.99	0.10%	0.10%
$20,000 - 24,999.99	0.10%	0.10%
$25,000 - $49,999	0.15%	0.15%
$50,000 - $99,999	0.20%	0.20%
$100,000 - $249,999	0.20%	0.20%
$250,000 - $499,999	0.25%	0.25%
$500,000+	0.25%	0.25%

*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.

Prime Money Market Accounts

Rates effective 10/01/2021

Balance	Dividend Rate	APY*
$0 - $4,999	0.05%	0.05%
$5,000 - $9,999	0.10%	0.10%
$10,000 - $19,999	0.10%	0.10%
$20,000 +	0.30%	0.30%

_{*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Must have a minimum of $20,000 to open a Prime Money Market Account. $0 minimum balance. Fixed floor rate of 0.30%.}

IRA Accounts

IRA Share Certificates

Rates effective 10/01/2021

Term	Dividend Rate	APY*
6 months	0.25%	0.25%
12 months	0.30%	0.30%
18 months	0.35%	0.35%
24 months	0.40%	0.40%
30 months	0.45%	0.45%
36 months	0.50%	0.50%
48 months	0.60%	0.60%
60 months	0.70%	0.70%

*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 10/01/2021

Term	Dividend Rate	APY*
6 months	0.15%	0.15%
12 months	0.20%	0.20%
18 months	0.25%	0.25%
24 months	0.30%	0.30%
30 months	0.35%	0.35%
36 months	0.40%	0.40%
48 months	0.50%	0.50%
60 months	0.60%	0.60%

*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 10/01/2021

Balance	Dividend Rate	APY*
$0 - $4,999	0.05%	0.05%
$5,000 - $9,999	0.05%	0.05%
$10,000 - $19,999	0.10%	0.10%
$20,000 - $49,999	0.10%	0.10%
$50,000 - $99,999	0.10%	0.10%
$100,000 - $149,999	0.15%	0.15%
$150,000 - $499,999	0.15%	0.15%
$500,000+	0.20%	0.20%

*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 10/01/2021

Term	Dividend Rate	APY*
6 months	0.25%	0.25%
12 months	0.30%	0.30%
18 months	0.35%	0.35%
24 months	0.40%	0.40%
30 months	0.45%	0.45%
36 months	0.50%	0.50%
48 months	0.60%	0.60%
60 months	0.70%	0.70%

*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.

Other Share Certificates**

Rates effective 10/01/2021

Term	Dividend Rate	APY*
12 month Access	0.15%	0.15%

*APR=Annual Percentage Rate
**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 is available only on Consumer Accounts. Members are granted one penalty-free withdrawal during each calendar quarter.

Regular Bump Share Certificates

Rates effective 10/01/2021

Term	Dividend Rate	APY*
6 months	0.15%	0.15%
12 months	0.20%	0.20%
18 months	0.25%	0.25%
24 months	0.30%	0.30%
30 months	0.35%	0.35%
36 months	0.40%	0.40%
48 months	0.50%	0.50%
60 months	0.60%	0.60%

*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 10/01/2021

Term	Dividend Rate	APY*
3-5 months	0.15%	0.15%
6-11 months	0.20%	0.20%
12-17 months	0.25%	0.25%
18-23 months	0.30%	0.30%
24-29 months	0.35%	0.35%
30-35 months	0.40%	0.40%
36 months	0.45%	0.45%
48 months	0.55%	0.55%
60 months	0.65%	0.65%

*APR=Annual Percentage Rate
**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 is only available on consumer accounts.

LOAN RATES

Rates effective as of 10/01/2021.
Loan rates are based on credit history and account relationship with UFCU. Annual Percentage Rate (APR) may change without notice.
Prime Rate as of September 01, 2021 is 3.25%

Visa Cards*

Rates effective 10/01/2021

Card	Variable APR As Low As	APR As Low As
Visa Crimson Card	7.99%	n/a
Visa Crimson Rewards Card	8.49%	n/a
Visa Student Rewards Card	14.99%	n/a
Visa Secure Card	n/a	12.99%
Visa Business Rewards Card	9.99%	n/a

*Cash Advance - 1.50% of each cash advance up to $50. 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 10/01/2021

Term	Fixed APR
66 months	As low as 2.49%
75 months ($10,000 min.)	As low as 2.49%
84 months ($15,000 min.)	As low as 3.14%

*Length of term and rate will determine the total interest you will pay over the life of the loan. For example, a 60 month auto loan at 2.49% for $10,000 would result in a monthly payment of approximately $177.45. See current rates and terms.

Recreational Vehicle Loans*

Rates effective 10/01/2021

Term	Fixed APR
Up to 84 months	As low as 4.64%
Up to 120 months	As low as 5.14%
Up to 144 months	As low as 5.39%
Up to 180 months with 10 year maturity date	As low as 5.64%

*Length of term and rate will determine the total interest you will pay over the life of the loan. For example, a 120 month RV loan at 5.14% for $20,000 would result in a monthly payment of approximately $212.63 and total interest charges of $5623.89.

Personal Loans*

Rates effective 10/01/2021

Amount	Term	Fixed APR
Under $2,000	24 months	As low as 9.24%
Under $2,000	36 months	As low as 9.49%
Under $5,000	48 months	As low as 9.74%
$5,000+	60 months	As low as 9.99%

*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 9.99% APR and 60-month term is approximately $21.25 per $1,000 borrowed.

Miscellaneous Secured Loans*

Rates effective 10/01/2021

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 10/01/2021

Loan to Value	Minimum Variable APR	Maximum Variable 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%
90% LTV	As low as 6.25%	18.00%
95% LTV	As low as 7.50%	18.00%

*Rates vary upon loan to value and credit. Variable rates may change after consummation. Owner occupied. Promotional introductory rate of 1.74% available through August 31, 2021. 1.99% for the first six months up to 95% LTV.

Home Equity - Second Mortgage*

Rates effective 10/01/2021

Term	80% LTV	90% LTV	95% 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%

*Loans subject to credit approval. See current rates and terms. Home equity 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 6.74% APR and 10-year term is $918.18. The minimum payment for a $80,000 loan with a 5.49% APR and a 5-year term is $1,527.72. 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 10/01/2021

Term	APR
Term	60% LTV	70% LTV	80% LTV
5 years	2.99%	2.99%	3.24%
7 years	3.74%	3.74%	3.99%
10 years	3.99%	3.99%	4.24%
12 years	4.24%	4.24%	4.49%

*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 4.49% APR and 12-year term is $719.62. The minimum payment for a $80,000 loan with a 2.99% APR and 5-year term is $1,437.15. 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 10/01/2021

Terms	Origination Fee	APR
10, 15, 20, 30 Year	Yes**	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.

** 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

Fee Description	Fee	Notes
Closing Fee (Only if account is closed within 180 days of opening)	$10

Checking Account Fees

Fee Description	Fee
Overdrawn / Overdraft Privilege 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/Inactive Account Fee (Applies to accounts that are inactive for 12+ months. 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	$25/per item as of 03/01/20

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)	1.00% per transaction
Currency Fee (Transactions occurring in foreign countries and initiated in U.S. dollars)	1.00% 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

RATES

SAVINGS RATES

IRA Share Certificates

IRA Bump Share Certificates

IRA Accumulator Account

Regular Share Certificates

Other Share Certificates**

Regular Bump Share Certificates

U Save Share Certificates**

LOAN RATES

Visa Cards*

Auto Loans*

Recreational Vehicle Loans*

Personal Loans*

Miscellaneous Secured Loans*

Home Equity Line of Credit*

Home Equity - Second Mortgage*

No-Fee First Mortgage*

Conventional Mortgage Loans*

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

FEES

Share Savings Account Fees

Checking Account Fees

Other Share Savings & Checking Account Fees

Miscellaneous Fees

Electronic Funds Transaction (EFT) Fees

Credit/Debit Card Foreign Transaction Fees

Basic Business Account Fees

Business Money Market Account Fees

Other Business Account Fees