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 Loans

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Effective as of August 9, 2019

  • Age of Vehicle
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2014
  • 72 Months†
  • 3.49% APR
  • $15.42
  • New - 2014
  • 84 Months†
  • 4.99% APR
  • $14.14
  • New
  • 36 Months
  • 3.19% APR
  • $29.17
  • New
  • 48 Months
  • 3.19% APR
  • $22.23
  • New
  • 60 Months
  • 3.19% APR
  • $18.06
  • 2014 to 2019
  • 36 Months
  • 3.19% APR
  • $29.17
  • 2014 to 2019
  • 48 Months
  • 3.19% APR
  • $22.23
  • 2014 to 2019
  • 60 Months
  • 3.19% APR
  • $18.06
  • 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” 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. 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 August 9, 2019

  • Age of Boat
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2014
  • 36 Months
  • 3.19% APR
  • $29.17
  • New - 2014
  • 48 Months
  • 3.19% APR
  • $22.23
  • New - 2014
  • 60 Months
  • 3.19% APR
  • $18.06
  • New - 2014
  • 72 Months†
  • 3.49% APR
  • $15.42

*”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. †72M term requires a $20,000 minimum loan amount. 

 

Motorcycle Loans

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Effective as of August 9, 2019

  • Age of Motorcycle
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2014
  • 72 Months†
  • 3.49% APR
  • $15.42
  • New - 2014
  • 84 Months†
  • 4.99% APR
  • $14.14
  • New
  • 36 Months
  • 3.19% APR
  • $29.17
  • New
  • 48 Months
  • 3.19% APR
  • $22.23
  • New
  • 60 Months
  • 3.19% APR
  • $18.06
  • 2014 to 2019
  • 36 Months
  • 3.19% APR
  • $29.17
  • 2014 to 2019
  • 48 Months
  • 3.19% APR
  • $22.23
  • 2014 to 2019
  • 60 Months
  • 3.19% APR
  • $18.06
  • 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” 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. 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 August 9, 2019

  • Age of ATV
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2014
  • 36 Months
  • 3.19% APR
  • $29.17
  • New - 2014
  • 48 Months
  • 3.19% APR
  • $22.23
  • New - 2014
  • 60 Months
  • 3.19% APR
  • $18.06
  • New - 2014
  • 72 Months†
  • 3.49% APR
  • $15.42

*”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. †72M term requires a $20,000 minimum loan amount. 

Recreational Vehicle Loans

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Effective as of August 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 August 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 August 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 August 9, 2019

  • Minimum Deposit
  • Dividend Rate without Checking
  • APY without Checking
  • Dividend Rate with Checking
  • APY with Checking
  • $2,500
  • 0.25%
  • 0.25%
  • 0.35%
  • 0.35%
  • $15,000
  • 0.49%
  • 0.49%
  • 0.59%
  • 0.59%
  • $75,000
  • 0.79%
  • 0.79%
  • 0.89%
  • 0.89%
  • $250,000
  • 1.09%
  • 1.10%
  • 1.19%
  • 1.20%

*APY is Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. Money Market Accounts falling below $2,500 receive the 0.10% regular savings dividend rate / APY.

Term Share Certificates

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Effective as of August 9, 2019

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY*
  • $500
  • 90 Days
  • 0.60%
  • 0.60%
  • $500
  • 6 Months
  • 0.85%
  • 0.85%
  • $500
  • 12 Months
  • 1.59%
  • 1.60%
  • $500
  • 18 Months
  • 1.69%
  • 1.70%
  • $500
  • 24 Months
  • 1.99%
  • 2.01%
  • $500
  • 30 Months
  • 1.99%
  • 2.01%
  • $500
  • 36 Months
  • 2.09%
  • 2.11%
  • $500
  • 48 Months
  • 2.25%
  • 2.27%
  • $500
  • 60 Months
  • 2.45%
  • 2.47%

*APY = Annual Percentage Yield. Dividend rates and APY are accurate as of 08-09-19 and subject to change. Early withdrawal penalties apply to the 6-, 12-, 18-, 24-, 30-, 36-, 48-, 60-month and 90-day term share certificates and may reduce earnings. Membership eligibility required. Federally insured by NCUA. 

Individual Retirement Accounts (IRAs)

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Effective as of August 9, 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
  • 1.59%
  • 1.60%
  • $500
  • 18 Months
  • 1.69%
  • 1.70%
  • $500
  • 24 Months
  • 1.99%
  • 2.01%
  • $500
  • 36 Months
  • 2.09%
  • 2.11%
  • $500
  • 48 Months
  • 2.25%
  • 2.27%
  • $500
  • 60 Months
  • 2.45%
  • 2.47%

*APY = Annual Percentage Yield. Dividend rates and APY are accurate as of 08-09-19 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-, 18-, 24-, 36-, 48- and 60-month and 90-day IRA term share certificates and may reduce earnings. Membership eligibility required. Federally insured by NCUA.  

Savings & Checking Accounts

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Effective as of August 1, 2019

  • Account Type
  • Minimum Deposit
  • Dividend Rate
  • APY
  • Checking Plus
  • $500
  • 0.05%
  • 0.05%
  • Share Savings
  • $5
  • 0.10%
  • 0.10%
  • Sub Share Savings
  • $0
  • 0.10%
  • 0.10%
  • Property Tax Savings
  • $0
  • 0.10%
  • 0.10%
  • Moola Moola Kids' Club
  • $5
  • 0.10%
  • 0.10%
  • Serious Savings
  • $5
  • 0.10%
  • 0.10%
  • Health Savings
  • $0
  • 2.00%
  • 2.02%
  • Christmas Savings
  • $0
  • 0.10%
  • 0.10%
  • Vacation Savings
  • $0
  • 0.10%
  • 0.10%
  • Prom Club
  • $0
  • 0.10%
  • 0.10%
  • Business Checking
  • $2500
  • 0.05%
  • 0.05%
  • Business Share Savings
  • $5
  • 0.10%
  • 0.10%
  • Business Sub Share Savings
  • $0
  • 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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