Rates effective as of 01/01/2017.
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 December 15, 2016 is 3.75%

Visa Cards

Rates effective 01/01/2017
Card Variable APR* As Low As Fixed APR* As Low As
Overdraft Line of Credit n/a 13.99%
Visa Crimson Card 8.49% n/a
Visa Crimson Rewards Card 8.99% n/a
Visa Student Rewards Card 15.49% n/a
Visa Secure Card n/a 12.99%
Visa Business Rewards Card 10.49% 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 01/01/2017
Term Fixed APR*
66 months As low as 2.74% with relationship pricing.
75 months
($10,000 min.)
As low as 2.99% with relationship pricing.
84 months
($15,000 min.)
As low as 3.74% 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 3.74% for $15,000 would result in a monthly payment of approximately $203.24 and total interest charges of approximately $2,072.32. See current rates and terms

Recreational Vehicle Loans

Rates effective 01/01/2017
Term Fixed APR*
Up to 144 months As low as 4.49%
Up to 240 months
with 10 year maturity date
As low as 4.49%
*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 4.49% for $20,000 would result in a monthly payment of approximately $179.90 and total interest charges of approximately $5,906.21. Anything above 144 months has a 10 year maturity.

Signature Loans

Rates effective 01/01/2017
Amount Term Fixed APR*
Under $5,000 48 months As low as 9.00%
$5,000+ 60 months As low as 9.00%
*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 9.00% APR and 60-month term is approximately $20.76 per $1,000 borrowed.

Miscellaneous Secured Loans

Rates effective 01/01/2017
Type Term Fixed APR*
Shared Secured 60 months Rate of savings + 2.00%
Certificate Secured Maximum of Certificate Certificate rate + 2.00%
*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 4.03% APR and 60-month term is approximately $18.43 per $1,000 borrowed.

Home Equity Line of Credit

Rates effective 01/01/2017
Minimum APR* Maximum APR*
60% LTV As low as 3.74% 18.00%
70% LTV As low as 3.75% 18.00%
80% LTV As low as 4.25% 18.00%
85% LTV As low as 5.75% 18.00%
90% LTV As low as 7.25% 18.00%
100% LTV As low as 8.50% 18.00%

Rates vary upon loan to value and credit. Owner occupied and single family residence only.

1.99% for the first six months up to 100% LTV

Home Equity - Second Mortgage

Rates effective 01/01/2017
Term 80% LTV 90% LTV
5 Years 3.74% 4.74%
7 Years 3.99% 4.99%
10 Years 4.99% 5.99%
*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 5.99% APR and 10-year term is $998.73.  The minimum payment for a $90,000 loan with a 4.74% APR and a 5-year term is $1687.71.  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 01/01/2017
Term 60% LTV 70% LTV 80% LTV
5 years 2.74% 2.74% 3.49%
7 years 2.99% 2.99% 3.74%
10 years 3.24% 3.24% 3.99%
12 years 3.49% 3.49% 3.99%
*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 3.99% APR and 12-year term is $700.03.  The minimum payment for a $80,000 loan with a 2.74% APR and 5-year term is $1428.27. 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 01/01/2017
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