Vehicle Loans
Auto Loans
| Age of Vehicle | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2017 | 36 Months | 4.45% APR | $29.73 |
| New - 2017 | 48 Months | 4.45% APR | $22.79 |
| New - 2017 | 60 Months | 4.45% APR | $18.63 |
| New - 2017 | 72 Months† | 4.45% APR | $15.86 |
| New - 2017 | 84 Months† | 5.49% APR | $14.37 |
| 2016 & Older | 36 Months | 6.49% APR | $30.65 |
| 2016 & Older | 48 Months | 6.99% APR | $23.95 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. Not all applicants will qualify for the lowest rate, all loans subject to credit approval. Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Boat Loans
| Age of Boat | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2017 | 36 Months | 4.45% APR | $29.73 |
| New - 2017 | 48 Months | 4.45% APR | $22.79 |
| New - 2017 | 60 Months | 4.45% APR | $18.63 |
| New - 2017 | 72 Months† | 4.45% APR | $15.86 |
| 2016 & Older | 36 Months† | 6.49% APR | $30.65 |
| 2016 & Older | 48 Months | 6.99% APR | $23.95 |
* ”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. Not all applicants will qualify for the lowest rate, all loans subject to credit approval. Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Motorcycle Loans
| Age of Motorcycle | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2017 | 36 Months | 4.45% APR | $29.73 |
| New - 2017 | 48 Months | 4.45% APR | $22.79 |
| New - 2017 | 60 Months | 4.45% APR | $18.63 |
| New - 2017 | 72 Months† | 4.45% APR | $15.86 |
| New - 2017 | 84 Months† | 5.49% APR | $14.37 |
| 2016 & Older | 36 Months | 6.49% APR | $30.65 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
ATV Loans
| Age of ATV | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2017 | 36 Months | 4.45% APR | $29.73 |
| New - 2017 | 48 Months | 4.45% APR | $22.79 |
| New - 2017 | 60 Months | 4.45% APR | $18.63 |
| New - 2017 | 72 Months† | 4.45% APR | $15.86 |
| 2016 & Older | 36 Months | 6.49% APR | $30.65 |
| 2016 & Older | 48 Months | 6.99% APR | $23.95 |
* ”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. Not all applicants will qualify for the lowest rate, all loans subject to credit approval. Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Recreational Vehicle Loans
| Maximum Term | Rates As Low As* | Payments per $1,000 |
|---|---|---|
| 120 Months1 | 7.99% APR | $12.13 |
| 60 Month Balloon2 | 6.99% APR | $8.99 |
*APR = Annual Percentage Rate. Annual percentage rates subject to change. Your credit score determines your actual rate. All loans must be fully secured.
1Vehicle value must be at least $20,000.
2Vehicle value must be at least $25,000. A $25,000 loan, amortized over 180 months, would yield 59 payments of $224.60 and a balloon payment of $19,575.13.
Personal Loans
U Choose Loans
| Term | Rates as low as* | Payments per $1,000 |
|---|---|---|
| 36 Months | 8.99% APR | $31.60 |
| 48 Months | 9.99% APR | $32.27 |
| 60 Months | 10.99% APR | $21.74 |
*APR is Annual Percentage Rate. APR subject to change. Rates, terms, and conditions vary based on your account history and credit qualifications. Advertised rate applies to personal loan product with a set term. It does not apply to open-ended lines of credit or credit plans. All loans are subject to approval. Minimum loan amounts may apply to longer terms.
Kwik Cash Line of Credit
| Term | Rates as low as* | Payments per $1,000 |
|---|---|---|
| 48 Month | 9.99%* | $25.37 |
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms. Annual percentage rate on Kwik Cash line of credit may change at any time. Kwik Cash line of credit has no annual fee.
Student Loans
Unison Credit Union partners with ISL Education Lending to offer you lower-cost student loans and refinance options.
Credit Cards
| Card Type | Current Rate | Balance Transfer* | Cash Advance* | Foreign Transaction | Late/Return Payment | Annual Fee |
|---|---|---|---|---|---|---|
| Visa® Platinum | 9.99% | None | 3% of amount $3 min / $10 max |
1% of amount | $10.00 | None |
| Visa® Platinum with Rewards | 12.99% | None | 3% of amount $3 min / $10 max |
1% of amount | $10.00 |
None
|
* Finance charge begins on date posted to your account
How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Military Lending Act Notice: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call 1.888.878.8806 and ask to speak with a Member Advisor for the MLA “verbal disclosure.”
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Mortgage Loans
Fixed and Adjustable Rate Mortgages
| New Home and Advantage Home Loans1 |
Rates
as Low
as*
|
APR as Low as*
|
Monthly
Payment
|
|---|---|---|---|
| 10 Year Fixed Rate Mortgage Loan | 5.75% | 5.836% | $1,866 |
| 15 Year Fixed Rate Mortgage Loan | 5.875% | 5.936% | $1,423 |
| 30 Year Fixed Rate Mortgage Loan | 6.50% | 6.538% | $1,075 |
| 3 Year ARM (Adjustable Rate Mortgage) Loan2 | 5.50% | 6.364% | $965 |
| 5 Year ARM (Adjustable Rate Mortgage) Loan2 |
5.75% | 6.308% | $992 |
|
7 Year ARM (Adjustable Rate Mortgage)
Loan2
|
6.00% | 6.334% | $1,019 |
*As low as rate ranges may change daily and represent only the best possible rates offered for various loan products to borrowers with a credit score of 720 or higher. Individual rates will vary based on your “Tri-merge” (mortgage) credit score(s), the specific loan purpose and product selected, loan amount, and downpayment. Call or see a Mortgage Loan Officer for more details. Published rates do not constitute a loan offer; all loans are subject to approval and the meeting of eligibility requirements. Unison Credit Union, NMLS ID 458614, is an Equal Housing Opportunity lender.
1 Additional conditions may apply; Home Advantage loans are sponsored by the Federal Home Loan Bank. In house loans also available at other rates. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
2 Adjustable-Rate Mortgages (ARMs) are variable rate loans with terms of 3/1, 5/1, or 7/1. After the initial 3, 5, or 7 year fixed period ends, that rate can change yearly. For example, the interest rate on a 3/1 ARM is fixed at the advertised rate for only 3 years, after which the rate can change yearly for the remainder of the loan. The changes are subject to the following caps: annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. The new interest rate will be determined by adding the rate of the 1-Year Treasury Bill (index) to a margin. The margin = 2.75% for non-Home Equity and Construction ARMs and is 3.50% for Home Equity ARMs. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
Home Equity Loans3
| Home Equity Loans3 |
Rates as
Low as*
|
APR as Low as* |
Monthly Payment
|
|---|---|---|---|
| Home Equity Line of Credit (HELOC)4 | 6.75% | 6.75% | $100 |
| 3 Year ARM (Adjustable Rate Mortgage) Home Equity Loan2 | 6.50% | 6.899% | $1,481 |
| 5 Year ARM (Adjustable Rate Mortgage) Home Equity Loan2 | 6.75% | 7.05% | $1,504 |
*As low as rate ranges may change daily and represent only the best possible rates offered for various loan products to borrowers with a credit score of 720 or higher. Individual rates will vary based on the length of the loan (“the term”), your “Tri-merge” (mortgage) credit score(s), the specific loan purpose and product selected, loan amount, and down payment. Call or see a Mortgage Loan Officer for more details. Published rates do not constitute a loan offer; all loans are subject to approval and the meeting of eligibility requirements. Unison Credit Union, NMLS ID 458614, is an Equal Housing Opportunity lender.
2 Adjustable-Rate Mortgages (ARMs) are variable rate loans with terms of 3/1, 5/1, or 7/1. After the initial 3, 5, or 7 year fixed period ends, that rate can change yearly. For example, the interest rate on a 3/1 ARM is fixed at the advertised rate for only 3 years, after which the rate can change yearly for the remainder of the loan. The changes are subject to the following caps: annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. The new interest rate will be determined by adding the rate of the 1-Year Treasury Bill (index) to a margin. The margin = 2.75% for non-Home Equity and Construction ARMs and is 3.50% for Home Equity ARMs. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
3 Home Equity loans. Must own your home and have sufficient equity available to qualify for this loan type in addition to other eligibility requirements, and the conditions listed elsewhere on this page. See a Mortgage Loan Officer for additional details.
4 Home Equity Line of Credit (HELOC) loans. HELOC rates are variable and may change monthly. The rates are based on the Prime rate as published in the Wall Street Journal (“the index”). Unison’s “margin” is currently zero, making the Prime rate equal to the HELOC rate. There is a 4.00% APR minimum rate (“floor rate”) and a maximum (“ceiling”) of 18.00% APR. See a Mortgage Loan Officer for additional HELOC details, terms and conditions. Minimum payment is the greater of $50 or 1% of the outstanding balance at the last advance during the draw period. After the draw period, the minimum payment is the greater of $50 or 1% of the outstanding balance at last draw plus unpaid finance charges that have accrued on the remaining balance. Minimum $5,000 credit, $1,000 draw, and 20% home equity. Closing costs up to $600-$800.
Construction Loans
|
Construction Loans5
|
Rates as
Low as*
|
APR as Low as* |
Monthly Payment
|
|---|---|---|---|
| 10 Year Fixed Rate Construction Loan | 5.75% | 5.836% | $1,866 |
| 15 Year Fixed Rate Construction Loan | 5.875% | 5.936% | $1,423 |
| 30 Year Fixed Rate Construction Loan | 6.50% | 6.538% | $1,075 |
| 3 Year ARM (Adjustable Rate Mortgage) Construction Loan2 | 5.50% |
6.364%
|
$965
|
|
5 Year ARM (Adjustable Rate Mortgage)
Construction Loan2
|
5.75% | 6.308% |
$992
|
|
7 Year ARM (Adjustable Rate Mortgage) Construction Loan2
|
6.00% |
6.334%
|
$1,019
|
*As low as rate ranges may change daily and represent only the best possible rates offered for various loan products to borrowers with a credit score of 720 or higher. Individual rates will vary based on your “Tri-merge” (mortgage) credit score(s), the specific loan purpose and product selected, loan amount, and downpayment. Call or see a Mortgage Loan Officer for more details. Published rates do not constitute a loan offer; all loans are subject to approval and the meeting of eligibility requirements. Unison Credit Union, NMLS ID 458614, is an Equal Housing Opportunity lender.
2 Adjustable-Rate Mortgages (ARMs) are variable rate loans with terms of 3/1, 5/1, or 7/1. After the initial 3, 5, or 7 year fixed period ends, that rate can change yearly. For example, the interest rate on a 3/1 ARM is fixed at the advertised rate for only 3 years, after which the rate can change yearly for the remainder of the loan. The changes are subject to the following caps: annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. The new interest rate will be determined by adding the rate of the 1-Year Treasury Bill (index) to a margin. The margin = 2.75% for non-Home Equity and Construction ARMs and is 3.50% for Home Equity ARMs. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
5 Qualifications, terms and conditions apply to Construction loans, in addition to the other requirements noted above. See a Mortgage Loan Officer for additional details. During construction period (max. 6 months), interest is billed monthly on disbursed amount. After, the loan will be amortized over 354 months into an ARM or Fixed product. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
