Savings
Business Savings
| Balance |
Rate |
APY |
| $100 and more |
0.010% |
0.01% |
Effective Date: October 1, 2021
(Calculated daily; paid monthly on balances of $100 or more)
Premium Business Savings
| Balance | Rate | APY |
| $100 and more | 0.250% | 0.25% |
Effective Date: June 24, 2015
(Calculated daily; paid monthly on balances of $100 or more)
Money Market
| Money Market Tier |
Rate |
APY Range |
APY Range
(with bonus dividend) |
| $0 to $10,000 |
0.010% |
0.01% |
0.01% |
| $0 to $10,000 w/ Bonus Dividend1 |
0.060% |
0.06% |
0.06% |
| $10,000 to $49,999.99 |
0.150% |
0.01-0.12% |
0.06–0.13% |
| $50,000 to $99,999.99 |
0.499% |
0.12-0.31% |
0.13-0.32% |
| $100,000 to $499,999.99 |
0.995% |
0.31-0.86% |
0.31-0.86% |
| $500,000 to $999,999.99 |
3.445% |
0.86-2.18% |
0.86-2.18% |
| $1,000,000 and Greater |
4.169% |
2.18-4.25% |
2.18-4.25% |
Effective Date: September 26, 2023 (terms subject to change)
1Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member’s checking account.
Our tiered-rate calculation method offers higher rates as your balance increases. The stated interest rate is only paid on the portion of the balance within the specified tier.
Fixed Rate Certificate
| Term |
Rate |
APY |
| 3 Month | 4.410% |
4.50% |
| 6 Month |
4.410% |
4.50% |
| 12 Month |
4.169% |
4.25% |
|---|
| 18 Month |
4.889% |
5.00% |
| 24 Month |
3.445% |
3.50% |
| 24 Month Step-Up |
3.300% |
3.35% |
| 36 Month |
3.203% |
3.25% |
| 48 Month |
3.445% |
3.50% |
| 60 Month |
3.203% |
3.25% |
Effective Date: October 6, 2023
Checking
Premium Business Checking
| Balance | Rate | APY |
| $100 and more | 0.050% | 0.05% |
Effective Date: June 24, 2015
(Calculated daily; paid monthly on balances of $100 or more)
Credit Card Rates
Great Rate VISA®
| Your Credit |
Excellent |
Good |
Average |
| Annual Percentage Rate (APR) |
13.90% |
14.90% |
15.90% |
| Your Credit |
Excellent |
Good |
Average |
| Annual Percentage Rate (APR) |
15.90% |
16.90% |
17.90% |
| Your Credit |
Excellent |
Good |
Average |
| Annual Percentage Rate (APR) |
15.90% |
16.90% |
17.90% |
Business Auto Loans
|
Annual Percentage Rate (APR) based on your credit |
Term
(Months) |
Excellent |
Good |
Average |
| 1 to 48 |
6.79% | 7.29% |
8.04% |
| 49 to 66 |
7.29% |
7.79% |
8.54% |
Term restrictions may apply.
A loan documentation fee of $175 will be assessed at closing.
Equipment Loans
|
Annual Percentage Rate (APR) based on your credit |
Term
(Months) |
Excellent |
Good |
Average |
| 12 to 36 |
10.00% |
10.50% |
11.00% |
| 37 to 60 |
10.50% |
11.00% |
11.50% |
Term restrictions may apply.
A loan documentation fee of $175 will be assessed at closing.
Line of Credit
| Annual Percentage Rate (APR) based on your credit |
| Excellent |
Good |
Average |
| 12.00% |
12.50% |
13.00% |
All rates are indexed to Wall Street Journal Prime Rate of the previous month. Your rate during the 2-year revolving period is set on the first day of each month. On the first day of the 25th month, when your 5-year term begins, your rate becomes fixed.
Your rate is fixed on the 25th month, when your 5-year term begins.
A loan documentation fee of $175 will be assessed at closing.
Working Capital Loan
|
Annual Percentage Rate (APR) based on your credit |
Term
(Months) |
Excellent |
Good |
Average |
| 12 to 36 |
11.50% |
12.00% |
12.50% |
| 37 to 60 |
12.00% |
12.50% |
13.00% |
Term restrictions may apply.
A loan documentation fee of $175 will be assessed at closing.
Fees
| Account Fees |
| Analysis fee |
First 50 are free
(per month, $0.10 for each additional item) |
Premium Business Checking
Monthly Service Fee |
$20.00 |
| Business Credit Card Fees (For Existing Accounts) |
| Late Fee |
$29.00 |
| Overlimit Fee |
$29.00 |
| Returned Payment (Paper Check or ACH) |
$20.00 |
| Express Order |
$15.00 |
| Statement Copy (Printed or PDF) |
$2.00 per statement |
| International Transaction Fee |
1% of transaction amount |
| Cash Advance Fee |
$5 or 1% of transaction amount, up to $100 |
Fees subject to change.
Fees could reduce earnings on account.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
* Please be aware that rates are subject to change without notice. Dividends are based on UFCU's earnings and cannot be guaranteed.