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Rates

 

Rates Updated: 01/22/2024

SAVINGS

Savings TypeMinimum balance to earn stated APYRateAPY
Share Savings (S1)$1000.10%0.10%
Requires $5.00 to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.
Secondary Savings (S2)$1000.10%0.10%
No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.
Share Secured MasterCard (S3)$1000.10%0.10%
Funds secured for MasterCard. Fees could reduce earnings on account.
Christmas Club (S4)$1000.10%0.10%
No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.
Share Draft (S5)$5000.05%0.05%
$500 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.
IRA Share Savings (S9, S10, S11, S12)$1000.15%0.15%
$100 minimum balance to earn dividends. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.

CERTIFICATES & IRA CDs

Certificate TypeMinimum balance
to earn stated APY
RateAPY
3-Month Certificate$500.001.00%1.00%
6-Month Certificate$1,000.002.00%2.00%
12-Month Certificate$1,000.003.00%3.00%
24-Month Certificate$1,000.004.00%4.00%
36-Month Certificate$1,000.003.50%3.50%
SPECIAL 21-Month Certificate$1,000.004.50%4.50%
Youth Certificate- Add On$50.00-$200.000.50%0.50%
$200.01-$400.000.75%0.75%
$400.01-plus1.00%1.00%

APY = Annual Percentage Yield. Rates are subject to change without notice. Penalty for Early Withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. A member may elect interest to be added back to the certificate, deposited to an account or check to be mailed. For more information about certificates call 319-273-2479.

NEW & USED AUTO LOAN

Calculate how much you’ll save if you refinance your auto loan with UNITE!

2021
or Newer
100% of NADA Retail
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 60 Months6.79%*6.54%*
61-72 Months6.89%*6.64%*
84 Months6.99%*6.74%*

Payment Examples:

*For $20,000 vehicle 100% RTL amortized for 60 months and a 6.79% APR, the monthly payment will be $394.03.
*For $25,000 vehicle 100% RTL amortized for 72 months and a 6.89% APR, the monthly payment will be $424.89.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications.

2020100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 60 Months7.14%*6.89%*
72 Months7.24%*6.99%*
84 Months7.34%*7.09%*

Payment Example: *For $15,000 vehicle 100% RTL amortized for 60 months and a 7.14% APR, the monthly payment will be $298.00.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications.

2019100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 60 Months7.19%*6.94%*
72 Months7.29%*7.05%*
84 Months7.39%*7.14%*

Payment Example: *For $15,000 vehicle 100% RTL amortized for 60 months and a 7.19% APR, the monthly payment will be $298.36.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications. 

2018100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 60 Months7.64%*7.39%*
72 Months7.84%*7.59%*

Payment Example: *For $10,000 vehicle 100% RTL amortized for 60 months and a 7.64% APR, the monthly payment will be $201.04.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications.

2017100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 60 Months7.84%*7.59%*
72 Months8.14%*7.89%*

Payment Example: *For $10,000 vehicle 100% RTL amortized for 60 months and a 7.84% APR, the monthly payment will be $202.00.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications. 

[table “9” not found /]

2016100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 48 Months7.99%*7.74%*
60 Months8.19%*7.94%*

Payment Example: *For $8,000 vehicle 100% RTL amortized for 48 months and a 7.99% APR, the monthly payment will be $195.26.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications. 

2015100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 48 Months7.24%*6.99%*

Payment Example: *For $8,000 vehicle 100% RTL amortized for 48 months and a 7.24% APR, the monthly payment will be $192.47.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. 

2014100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 48 Months7.34%*7.09%*

Payment Example: *For $8,000 vehicle 100% RTL amortized for 48 months and a 7.34% APR, the monthly payment will be $192.84.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments. Member will lose discount if cancel or terminate any qualifications. 

TITLED VEHICLES/CLASSIC AUTOMOBILES

2013 and older100% of NADA Retail (RTL)
(As low as APR*)
Relationship Rate
(As low as APR*)
Up to 48 Months10.50%*10.25%*

If vehicle is 10+ years old, full insurance coverage is required. If vehicle is purchased through private sale, credit union must complete visual inspection.

Payment Example: *For $5,000 vehicle 100% RTL amortized for 48 months and a 10.50% APR, the monthly payment will be $128.01.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications. 

NEW AND USED MOTORCYCLES

ADD 1.00% ABOVE AUTO RATE BY YEAR

If motorcycle is purchased through private sale, visual inspection is required.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.

NEW & USED MOTOR HOMES, BOATS AND TRAVEL TRAILERS

90% of NADA Retail (RTL)
As low as APR*
Relationship Rate
(As low as APR*)
Up to $10,000
60 Months
6.24%*5.99%*
$10,001-$15,000
Up to 72 Months
6.49%*6.24%*
$15,001- $25,000
Up to 96 Months
6.74%*6.49%*
$25,001 -$50,000
Up to 120 Months
7.24%*6.99%*
$50,000 and Up
180 Months
7.74%*7.49%*

Payment Examples:

*For $5,000 boat 90% RTL amortized for 60 months and a 6.24% APR, the monthly payment will be $97.23.

*For a $14,000 travel trailer 90% RTL amortized for 72 months and a 6.49% APR the monthly payment will be $235.28.

*For a $23,000 travel trailer 90% RTL amortized for 96 months and a 6.74% APR the monthly payment will be $310.62.

*For a $50,000 boat 90% RTL amortized for 120 months and a 7.24% APR the monthly payment will be $586.77.

*For a $75,000 motor home 90% amortized for 180 month and a 7.74% APR the monthly payment will be $705.55.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications. 

 
 
 
 
 
 
 

 

 

 

CONSUMER LOAN

As low as APR*Relationship Rate
(As low as APR*)
Up to 36 Months8.70%*8.45%*
37 to 48 Months9.70%*9.45%*

Payment Examples:

*For $5,000 100% value amortized for 36 months and a 8.70% APR, the monthly payment will be $158.30.

*For $5,000 100% value amortized for 48 months and a 9.70% APR, the monthly payment will be $126.09.

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Automatic Payments.  Member will lose discount if cancel or terminate any qualifications. 

 

PERSONAL


As low as APR*Relationship Rate
(As low as APR*)
Up to 12 Months9.00%*8.75%*
13 to 24 Months10.00%*9.75%*
25 to 36 Months11.00%*10.75%*
37 to 48 Months11.50%**11.25%**
Up to 6012.00%**11.75%**

Payment Examples:

*For $2,000 amortized for 12 months and a 9.00% APR, the monthly payment will be $174.90.

*For $5,000 amortized for 36 months and a 11.00% APR, the monthly payment will be $163.69.

*For $6,000 amortized for 48 months and a 11.50% APR, the monthly payment will be $156.53.

*For $10,000 amortized for 60 month and a 12.00% APR, the monthly payment will be $222.43.

Maximum limit of $15,000.00

**Applicant must meet Credit Score Qualifications.**

Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, or Automatic Payments.  Member will lose discount if cancel or terminate any qualifications. 

SHARE/SHARE CERTIFICATE SECURED


As low as APR*
ShareUp to 60 Months2%* Above Current Rate
Share CertificateMaturity at Term2%* Above Current Rate

Fixed APR
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change.
Must be or become UNITE Credit Union member to obtain loan. All loans subject to approval and based on credit.

Does Not Qualify for Relationship Discount

HOME EQUITY LOAN


Advance AmountAs low as APR*
60-Month Fully Amortized
Minimum credit score required for financing
90% AVM or Appraised Value6.94%*
Relationship Discount6.69%*
120-Month Fully Amortized
Minimum credit score required for financing
90% AVM or Appraised Value7.14%*
Relationship Discount6.89%*
Add 2% to 5-year or 10-year fixed Home Equity for LTV over 90%
121-180 month Fully Amortized
Minimum credit score required for financing
90% AVM or Appraised Value8.55%
Relationship Discount8.30%
181-240 Fully Amortized
Minimum credit score required for financing
90% AVM or Appraised Value9.05%
Relationship Discount8.80%

Payment Example: For $30,000 with a 5-year fixed rate, amortized over a 5-year term at 6.94% APR, the monthly payment will be $593.17. All Loans subject to approval and based on credit.

Payment Example: For $60,000 with a 10-year fixed rate, amortized over a 10-year term at 7.14% APR, the monthly payment will be $700.96. All loans subject to approval and based on credit.

Payment Example: At 90% AVM a loan for $120,000 with a 20-year fixed rate, amortized over 20-year term at a 8.55% APR, the monthly payment will be $1,045.14. All loans subject to approval and based on credit.

All Property Taxes and Insurance will be paid by member

Fixed APR
AVM = Automated Valuation models*

APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNITE Credit Union member to obtain loan. All loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title and search, flood search, recording fee and property valuation when applicable.

HOME EQUITY LINE OF CREDIT


Advance AmountAs low as APR*
80% AVM or Appraised Value8.25%
Relationship Discount8.00%

Add 2% to Home Equity Line of Credit for LTV over 90%

Payment Example: For $30,000 with a 10-year fixed rate, amortized over a 15-year term at 8.25% APR, the monthly payment will be $291.03. All loans subject to approval and based on credit.

All Property Taxes and Insurance will be paid by member

Fixed APR

AVM = Automated Valuation Model
*APR = Annual Percentage Rate. Rate may vary based on credit score, type of loan and term, and is subject to change. Must be or become UNITE Credit Union member to obtain loan. All loans subject to approval and based on credit. Home Equity Loans are available on owner-occupied dwellings located within the credit union’s charter. Proof of homeowners’ insurance required. Member will pay title search, flood search, recording fee and property valuation when applicable.

FIRST MORTGAGE LOANS

Call (844) 443-4474 for current rates!

Our member-friendly mortgage options include great rates, low fees, and easy financing, all with home loan experts who can answer your questions and guide you toward the best option. Real estate closing costs/fees vary based on loan amount, location and type of loan, so please call us for more information or a quote, or visit our mortgage page for more details.

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