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 Loans

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Effective as of January 1, 2019

  • Age of Vehicle
  • Maximum Term
  • Rates As Low As
  • Payments per $1,000
  • New - 2014
  • 72 Months†
  • 3.99% APR
  • $15.65
  • New - 2014
  • 84 Months†
  • 4.99% APR
  • $14.13
  • New
  • 36 Months
  • 3.39% APR
  • $29.26
  • New
  • 48 Months
  • 3.59% APR
  • $22.40
  • New
  • 60 Months
  • 3.74% APR
  • $18.30
  • 2014 to 2018
  • 36 Months
  • 3.39% APR
  • $29.26
  • 2014 to 2018
  • 48 Months
  • 3.59% APR
  • $22.40
  • 2014 to 2018
  • 60 Months
  • 3.74% APR
  • $18.30
  • 2010 to 2013
  • 36 Months
  • 3.74% APR
  • $29.41
  • 2010 to 2013
  • 48 Months
  • 4.75% APR
  • $22.92
  • 2010 to 2013
  • 60 Months
  • 4.99% APR
  • $18.87
  • 2010 & Older
  • 36 Months
  • 5.75% APR
  • $30.31
  • 2010 & Older
  • 48 Months
  • 6.99% APR
  • $23.94

*As low as 3.39% APR rate is best available for 36 month loan product.  Approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. $5,000 in new money required. Rates subject to change without notice. Membership eligibility required. Other terms available; †72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.

Boat Loans

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Effective as of January 1, 2019

  • Age of Boat
  • Maximum Term
  • Rates As Low As
  • Payments per $1,000
  • New - 2014
  • 36 Months
  • 3.39% APR
  • $29.26
  • New - 2014
  • 48 Months
  • 3.59% APR
  • $22.40
  • New - 2014
  • 60 Months
  • 3.74% APR
  • $18.30
  • New - 2014
  • 72 Months
  • 3.99% APR
  • $15.65

*As low as 3.39% APR rate is best available for 36 month loan product.  Approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. $5,000 in new money required. Rates subject to change without notice. Membership eligibility required.

 

Motorcycle Loans

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Effective as of January 1, 2019

  • Age of Motorcycle
  • Maximum Term
  • Rates As Low As
  • Payments per $1,000
  • New - 2014
  • 72 Months†
  • 3.99% APR
  • $15.65
  • New - 2014
  • 84 Months†
  • 4.99% APR
  • $14.13
  • New
  • 36 Months
  • 3.39% APR
  • $29.26
  • New
  • 48 Months
  • 3.59% APR
  • $22.40
  • New
  • 60 Months
  • 3.74% APR
  • $18.30
  • 2014 to 2018
  • 36 Months
  • 3.39% APR
  • $29.26
  • 2014 to 2018
  • 48 Months
  • 3.59% APR
  • $22.40
  • 2014 to 2018
  • 60 Months
  • 3.74% APR
  • $18.30
  • 2011 to 2013
  • 36 Months
  • 3.74% APR
  • $29.41
  • 2011 to 2013
  • 48 Months
  • 4.75% APR
  • $22.92
  • 2011 to 2013
  • 60 Months
  • 4.99% APR
  • $18.87
  • 2010 & Older
  • 36 Months
  • 5.75% APR
  • $30.31
  • 2010 & Older
  • 48 Months
  • 6.99% APR
  • $23.94

*As low as 3.39% APR rate is best available for 36 month loan product.  Approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. $5,000 in new money required. Rates subject to change without notice. Membership eligibility required. Other terms available; †72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount. 

ATV Loans

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Effective as of January 1, 2019

  • Age of ATV
  • Maximum Term
  • Rates As Low As
  • Payments per $1,000
  • New - 2014
  • 36 Months
  • 3.39% APR
  • $29.26
  • New - 2014
  • 48 Months
  • 3.59% APR
  • $22.40
  • New - 2014
  • 60 Months
  • 3.74% APR
  • $18.30
  • New - 2014
  • 72 Months
  • 3.99% APR
  • $15.65

*As low as 3.39% APR rate is best available for 36 month loan product.  Approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. $5,000 in new money required. Rates subject to change without notice. Membership eligibility required.

Recreational Vehicle Loans

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Effective as of January 1, 2019

  • Maximum Term
  • Rates As Low As
  • Payments per $1,000
  • 120 Months1
  • 5.99% APR
  • $11.11
  • 60 Month Balloon2
  • 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 January 1, 2019

  • Term
  • Loan Type
  • Rates As Low As
  • Payments per $1,000
  • 36 Months
  • U Choose Loan
  • 7.99% APR
  • $31.33
  • 48 Months
  • U Choose Loan
  • 8.99% APR
  • $24.89

* 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 January 1, 2019

  • 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 January 1, 2019

  • Minimum Deposit
  • Dividend Rate without Checking
  • APY without Checking
  • Dividend Rate with Checking
  • APY with Checking
  • $2,500
  • 0.35%
  • 0.35%
  • 0.45%
  • 0.45%
  • $15,000
  • 0.65%
  • 0.65%
  • 0.75%
  • 0.75%
  • $75,000
  • 0.99%
  • 0.99%
  • 1.09%
  • 1.10%
  • $250,000
  • 1.19%
  • 1.20%
  • 1.29%
  • 1.30%

*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 January 10, 2019

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY*
  • $500
  • 90 Days
  • 0.60%
  • 0.60%
  • $500
  • 6 Months
  • 0.85%
  • 0.85%
  • $500
  • 12 Months
  • 1.99%
  • 2.00%
  • $5000
  • 15 Months with Checking†
  • 2.86%
  • 2.89%
  • $5000
  • 15 Months without Checking†
  • 2.46%
  • 2.48%
  • $500
  • 18 Months
  • 2.09%
  • 2.11%
  • $500
  • 24 Months
  • 2.29%
  • 2.31%
  • $500
  • 30 Months
  • 2.39%
  • 2.41%
  • $500
  • 36 Months
  • 2.49%
  • 2.51%
  • $500
  • 48 Months
  • 2.59%
  • 2.62%
  • $500
  • 60 Months
  • 2.79%
  • 2.82%

*APY = Annual Percentage Yield. Dividend rates and APY are accurate as of 01-10-19 and subject to change. Early withdrawal penalties apply to the 6-, 12-, 15†, 18-, 24-, 30-, 36-, 48-, 60-month and 90-day term share certificates and may reduce earnings. †Maximum deposit for non-consumer accounts is $250,000; active checking required for the 15M term at 2.86% dividend rate and 2.89% APY. Without checking, 15M term = 2.46% dividend rate and 2.48% APY. Membership eligibility required. Federally insured by NCUA. 

Individual Retirement Accounts (IRAs)

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Effective as of January 10, 2019

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY*
  • $0
  • Variable
  • 0.30%
  • 0.30%
  • $500
  • 90 Days
  • 0.60%
  • 0.60%
  • $500
  • 6 Months
  • 0.85%
  • 0.85%
  • $500
  • 12 Months
  • 1.99%
  • 2.00%
  • $5000
  • 15 Months with Checking†
  • 2.86%
  • 2.89%
  • $5000
  • 15 Months without Checking†
  • 2.46%
  • 2.48%
  • $500
  • 18 Months
  • 2.09%
  • 2.11%
  • $500
  • 24 Months
  • 2.29%
  • 2.31%
  • $500
  • 36 Months
  • 2.49%
  • 2.51%
  • $500
  • 48 Months
  • 2.59%
  • 2.62%
  • $500
  • 60 Months
  • 2.79%
  • 2.82%

*APY = Annual Percentage Yield. Dividend rates and APY are accurate as of 01-10-19 and subject to change; on the Variable IRA product, the rate may change after the account is opened. Early withdrawal penalties apply to the 6-, 12-, 15†, 18-, 24-, 36-, 48- and 60-month and 90-day IRA term share certificates and may reduce earnings. †Maximum deposit for non-consumer accounts is $250,000; active checking required for the 15M term at 2.86% dividend rate and 2.89% APY. Without checking, 15M term = 2.46% dividend rate and 2.48% APY. Membership eligibility required. Federally insured by NCUA.  

Savings & Checking Accounts

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Effective as of January 1, 2019

  • 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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