Rates

A GREAT RATE IS A GREAT START.

Whether you’re borrowing or depositing, Unison Credit Union strives to make your life a little easier. So, we offer competitive options on vehicle loan rates, personal loan rates, mortgage rates, and more. And, our deposit rates can enhance your personal financing opportunities.

Loan Rates

Vehicle, Motorcycle, & Boat Loans

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Effective as of October 1, 2017

  • Age of Vehicle
  • Maximum Term
  • Rates As Low As
  • Payments per $1,000
  • New - 2012
  • 72 Months*
  • 2.74% APR
  • $15.08
  • New - 2012
  • 84 Months*
  • 4.24% APR
  • $13.79
  • New
  • 36 Months
  • 2.39% APR
  • $28.82
  • New
  • 48 Months
  • 2.39% APR
  • $21.87
  • New
  • 60 Months
  • 2.39% APR
  • $17.70
  • 2012 to 2017
  • 36 Months
  • 2.39% APR
  • $28.82
  • 2012 to 2017
  • 48 Months
  • 2.39% APR
  • $21.87
  • 2012 to 2017
  • 60 Months
  • 2.39% APR
  • $17.70
  • 2009 to 2011
  • 36 Months
  • 3.75% APR
  • $29.42
  • 2009 to 2011
  • 48 Months
  • 3.99% APR
  • $22.58
  • 2009 to 2011
  • 60 Months
  • 4.24% APR
  • $18.53
  • 2008 & Older
  • 36 Months
  • 4.75% APR
  • $29.87
  • 2008 & Older
  • 48 Months
  • 6.49% APR
  • $23.72

All loans are subject to approval.  Annual Percentage Rate is subject to change.  As low as 2.49% APR applies to vehicles 2012 model year or newer; $5,000 in new money required.  Your actual monthly payment amount and APR will be determined by your credit score, term and loan amount.  Other terms available; *72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.  Membership eligibility required.  Limited time offer.

Recreational Vehicle Loans

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Effective as of October 1, 2017

  • Maximum Term
  • Rates As Low As
  • Payments per $1,000
  • 120 Months1
  • 5.99% APR
  • $11.11
  • 60 Month Balloon2
    (180 month amortization)
  • 5.49% APR
  • $19.11

*APR is Annual Percentage Rate. Annual percentage rates subject to change. Your actual rate is determined by your credit score.

All loans must be fully secured. 1Vehicle value must be at least $15,000. 

2Vehicle value must be at least $20,000. A $20,000 loan, amortized over 180 months, would yield 59 payments of $147.84 and a balloon payment of $14,756.42.

Personal Loans

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Effective as of October 1, 2017

  • Term
  • Loan Type
  • Rates As Low As
  • Payments per $1,000
  • 60 Months
  • U Choose Loan
  • 6.99% APR
  • $19.80
  • 72 Months
  • U Choose Loan
  • 6.99% APR
  • $17.05
  • 84 Months
  • U Choose Loan
  • 6.99% APR
  • $15.10

* APR is Annual Percentage Rate.  APR is subject to change.  Rates, terms and conditions vary based on your account history and credit qualifications.  All loans are subject to approval.  Minimum loan amounts may apply to longer terms.  Membership eligibility applies.

Line of Credit

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Effective as of October 1, 2017

  • Term
  • Loan Type
  • Rates As Low As
  • Payments per $1000
  • 48 Months
  • Kwik Cash Line of Credit
  • 9.99%
  • $25.37

*APR is Annual Percentage Rate. Annual percentage rate on Kwik Cash line of credit may change at any time. Kwik Cash line of credit has no annual fee.

Fixed and Adjustable Rate Mortgages

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Home Equity Loans and Lines of Credit

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Construction and Land Loans

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Deposit Rates

Money Market Accounts

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Effective as of October 1, 2017

  • Minimum Deposit
  • Dividend Rate without Checking
  • APY without Checking
  • Dividend Rate with Checking
  • APY with Checking
  • $2,500
  • 0.25%
  • 0.25%
  • 0.25%
  • 0.25%
  • $10,000
  • 0.25%
  • 0.25%
  • 0.25%
  • 0.25%
  • $15,000
  • 0.30%
  • 0.30%
  • 0.40%
  • 0.40%
  • $25,000
  • 0.40%
  • 0.40%
  • 0.50%
  • 0.50%
  • $75,000
  • 0.50%
  • 0.50%
  • 0.60%
  • 0.60%

*APY is Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings.

Term Share Certificates

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Effective as of October 1, 2017

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY
  • $500
  • 90 Days
  • 0.12%
  • 0.12%
  • $500
  • 6 Months
  • 0.50%
  • 0.50%
  • $500
  • 12 Months
  • 0.70%
  • 0.70%
  • $500
  • 18 Months
  • 0.90%
  • 0.90%
  • $500
  • 24 Months
  • 1.00%
  • 1.00%
  • $500
  • 30 Months
  • 1.10%
  • 1.10%
  • $500
  • 36 Months
  • 1.15%
  • 1.16%
  • $500
  • 48 Months
  • 1.30%
  • 1.31%
  • $500
  • 60 Months
  • 1.50%
  • 1.51%

*APY is Annual Percentage Yield. Annual percentage yields subject to change. A penalty may be imposed for early withdrawal.

Individual Retirement Accounts (IRAs)

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Effective as of October 1, 2017

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY
  • $0
  • Variable
  • 0.30%
  • 0.30%
  • $500
  • 90 Days
  • 0.12%
  • 0.12%
  • $500
  • 6 Months
  • 0.50%
  • 0.50%
  • $500
  • 12 Months
  • 0.70%
  • 0.70%
  • $500
  • 18 Months
  • 0.90%
  • 0.90%
  • $500
  • 24 Months
  • 1.00%
  • 1.00%
  • $500
  • 36 Months
  • 1.15%
  • 1.16%
  • $500
  • 48 Months
  • 1.30%
  • 1.31%
  • $500
  • 60 Months
  • 1.50%
  • 1.51%

*APY is Annual Percentage Yield. 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.

Savings & Checking Accounts

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Effective as of October 1, 2017

  • Account Type
  • Dividend Rate
  • APY
  • Checking Plus
  • 0.05%
  • 0.05%
  • Share Savings
  • 0.10%
  • 0.10%
  • Sub Share Savings
  • 0.10%
  • 0.10%
  • Property Tax Savings
  • 0.10%
  • 0.10%
  • Moola Moola Kids' Club
  • 0.10%
  • 0.10%
  • Serious Savings
  • 0.10%
  • 0.10%
  • Health Savings
  • 2.00%
  • 2.02%
  • Christmas Savings
  • 0.10%
  • 0.10%
  • Vacation Savings
  • 0.10%
  • 0.10%
  • Prom Club
  • 0.10%
  • 0.10%
  • Business Checking
  • 0.05%
  • 0.05%
  • Business Share Savings
  • 0.10%
  • 0.10%
  • Business Sub Share Savings
  • 0.10%
  • 0.10%

*APY is Annual Percentage Yield. 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).

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