Rates & Fees
Rates

Apply now »

Vehicle, Motorcycle and Boat Loan Rates

Effective as of February 1, 2012

Term
APR
Payments per $1,000
2008-2011
36 Months
4.99%
$29.97
48 Months
4.99%
$23.03
60 Months
4.99%
$18.87
72 Months
4.99%
$16.11
2003-2007
36 Months
5.49%
$30.20
48 Months
5.99%
$23.49
60 Months
5.99%
$19.34
2002 & Older
48 Months
7.99%
$24.41

For 72 mos. term, vehicle value must be at least $16,000. Annual percentage rates subject to change.



Apply now »

Personal Loans

Effective as of February 1, 2012

Loan Type
Term
APR
Payments per $1,000
Signature Loans
60 Months
10.99%
$21.74
Kwik Cash Line of Credit
48 Months
9.99%
$25.37

Annual percentage rates subject to change. Annual percentage rate on Kwik Cash line of credit may change at any time. Kwik Cash line of credit has no annual fee.



Home Loans

Effective as of February 1, 2012

Loan Type
Term
Rates*
APR
Loan to Value Ratio
Payments per $1,000
3-Year Adjustable Rate Home Loan-Indexed1
30 Years
3.750%
4.386%
80%
5-Year Adjustable Rate Home Loan-Indexed1
30 Years
4.15%
4.417%
80%
Fixed Rate Home Loan
15 Years
4.50%
4.500%
80%
$7.66
Home Equity
60 Months
5.40%
5.400%
80%
$19.07
Second Home Loan - 3 year balloon2
15 Years
5.25%
5.250%
80%
$8.05
Home Equity Line of Credit3
N/A
4.00%
4.00%
80%
N/A

1The APR, interest rate, principle, and interest payment are subject to increase and can change after the loan is closed due to market-driven changes to the index.

2Assumes a $100,000 mortgage with a 15-year amortization and 35 monthly payments of $803.88 followed by one payment of $86,552.45

3Minimum line amount is $5,000. Closing costs range from $130.00-$400.00. Rate may increase after consummation. Rate is tied to an index, the Prime Rate as published in the Wall Street Journal. Ask for current index value. Maximum rate is 18% and minimum rate is 4%. Property insurance is required. Minimum payment is 1% of the outstanding balance or $50.00, whichever is greater. Tax deductibility is subject to IRS guidelines.

*Rates subject to change at any time. Subject to credit approval. Membership required. APR will vary based on your final loan amount and finance charges.

90% loan to value financing available. Call for additional details. Not available on Home Equity Line of Credit products.



Term Share Certificates

Effective as of February 1, 2012

Minimum Deposit
Term
Dividend Rate
APY
$500
90 Days
0.40%
0.40%
$500
6 Months
0.700%
0.70%
$500
12 Months
1.00%
1.00%
$500
18 Months
1.145%
1.15%
$500
24 Months
1.290%
1.30%
$500
30 Months
1.29%
1.30%
$500
36 Months
1.590%
1.60%
$500
48 Months
1.790%
1.80%
$500
60 Months
2.080%
2.10%

Annual percentage yields subject to change. A penalty may be imposed for early withdrawal.



Individual Retirement Accounts (IRAs)

Effective as of February 1, 2012

Minimum Deposit
Term
Dividend Rate
APY
$0
Variable
0.40%
0.40%
$500
90 Days
0.40%
0.40%
$500
6 Months
0.700%
0.70%
$500
12 Months
1.00%
1.00%
$500
18 Months
1.145%
1.15%
$500
24 Months
1.29%
1.30%
$500
36 Months
1.590%
1.60%
$500
48 Months
1.790%
1.80%
$500
60 Months
2.080%
2.10%

Dividend rates and annual percentage yields are subject to change. Dividend rates and annual percentage yields on the Variable IRA share account may change at any time. A penalty may be imposed for early withdrawal of the 6-, 12-, 18-, 24-, 36-, 48- and 60-month and 90-day IRA term share certificates.



Money Market Accounts

Effective as of February 1, 2012

Minimum Deposit
Dividend Rate without Checking
APY
without Checking
Dividend Rate
with Checking
APY
with Checking
$2,500
0.35%
0.35%
0.35%
0.35%
$10,000
0.45%
0.45%
0.45%
0.45%
$15,000
0.50%
0.50%
0.60%
0.60%
$25,000
0.55%
0.55%
0.65%
0.65%
$75,000
0.60%
0.60%
0.70%
0.70%

Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings.



Savings and Checking Accounts

Effective as of February 1, 2012

Account Type
Dividend Rate
APY
Regular Savings
0.30%
0.30%
Christmas Club
0.30%
0.30%
Property Tax Account
0.30%
0.30%
Vacation Club
0.30%
0.30%
Prom Club
0.30%
0.30%
Health Savings
0.85%
0.85%
Moola Moola Kids' Club
0.30%
0.30%
Serious Savings
0.30%
0.30%
Checking Plus
0.15%
0.15%

Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Moola Moola Kids' Club or Serious Savings account is $5 (one share).

Privacy  |  Site Map

© 2009 Unison Credit Union. All rights reserved.

Equal Housing Opportunity and NCUA statements