Loan Rates

Effective March 20, 2017

Home Equity Term Loan Rates - Specials

Loan TypeTerm1st
Lien
APR
Jr. Lien
APR
All Special Rates require an EFT payment from a Union account.
Home Equity Special $10,000 new money (1)Up to 180 months4.25%4.50%
Home Equity Special $50,000 new money (2)121 months to 180 months3.75%N/A
Home Equity Special $50,000 new money (3)Up to120 months3.50%N/A

Line of Credit Rates

Loan TypeAnnual Percentage RateAnnual Fee
Home Equity Line of Credit Special1.99% (4)$0
Home Equity Line of Credit (5)WSJ Prime 4.00% – Floor Rate of 3.00%.$0

Home Equity Term Loan Rates

Loan TypeTerm1st Lien APRJr. Lien APRJr. Lien Coupon Book APRMonthly Payment example per $1,000 borrowed 1st Lien APR(6)
Home Equity (7)Up to 36 Months4.85%6.35%6.85%$29.90
Home Equity (7)Up to 60 Months4.93%6.43%6.93%$18.84
Home Equity (7)Up to 84 Months5.14%6.68%7.18%$14.20
Home Equity (7)Up to 120 Months5.34%6.84%7.34%$10.77
Home Equity (7)Up to 180 Months5.06%5.81%6.31%$7.94
Home Equity (7)Up to 240 Months5.06%6.65%7.06%$6.63

Auto Loan Rates

Loan TypeTermElectronic
Funds
Transfer
APR
Coupon
Book
APR
Monthly
Payment
example
per $1,000
borrowed APR
New Auto (2013-2014)
Never Titled
Up to 48 Months7.25%7.75%$24.06
New Auto (2013-2014)
Never Titled
Up to 60 Months7.50%8.00%$20.04
Used Auto (2012-2014) Up to 48 Months8.25%8.75%$24.53
Used Auto (2010-2011)Up to 48 Months9.00%9.50%$24.89

Personal Loan Rates

Loan TypeTerm Electronic
Funds
Transfer
APR
Coupon
Book
APR
Monthly
Payment
example
per $1,000
borrowed APR
Personal Loan (unsecured)Up to 36 Months14.00%14.50%$34.18

Minimum Credit score for all consumer loans is 675.

(1)  Minimum $10,000 loan and maximum 80% loan to value (LTV). Minimum $10,000 of new money loaned. Minimum credit score of 675. 4.25% Annual Percentage Rate (APR) is for first lien position only. Terms range from 12 months to a maximum of 180 months. Requires automatic payment from a UCB account. Payment example: 4.25% APR for 180 monthly payments of $7.52 per $1000 borrowed. A $10,000 loan payment would be $75.20 per month. Other rates and terms available. Collateral must be a single-family owner-occupied residence. $250 processing fee waived (excluding appraisal fees if required). Homeowner’s and Flood Insurance (if applicable) required. Subject to credit approval. Offer not applicable for home purchase. Published rates subject to change.
(2) Minimum $50,000 loan and maximum 80% loan to value (LTV). Minimum $50,000 of new money loaned. Minimum credit score of 675. 3.75% Annual Percentage Rate (APR) is for first lien position only. Term of the loan is from 121 months to 180 months. Requires a UCB account with automatic monthly loan payment. Payment example: 3.75% APR for 180 monthly payments of $7.27 per $1000 borrowed. A $50,000 loan payment would be $363.50 per month. Other rates and terms available. Collateral must be a single-family owner-occupied residence. $250 processing fee waived (excluding appraisal fees if required). Homeowner’s and flood insurance (if applicable) required. Additional terms and conditions may apply. Subject to credit approval. Offer not applicable for home purchases. Published rates subject to change.
(3) Minimum $50,000 loan and maximum 80% loan to value (LTV). Minimum $50,000 of new money loaned. Minimum credit score of 675. 3.50% Annual Percentage Rate (APR) is for first lien position only. Terms range from 12 months to a maximum of 120 months. Requires a UCB account with automatic monthly loan payment. Payment example: 3.50% APR for 120 monthly payments of $9.89 per $1000 borrowed. A $50,000 loan payment would be $494.50 per month. Other rates and terms available. Collateral must be a single-family owner-occupied residence. $250 processing fee waived (excluding appraisal fees if required). Homeowner’s and flood insurance (if applicable) required. Additional terms and conditions may apply. Subject to credit approval. Offer not applicable for home purchases. Published rates subject to change.
(4) The introductory Annual Percentage Rate (APR) of 1.99% is fixed for the first 6 months. At the end of the 6 month introductory period, the rate will be variable and subject to change based on the monthly Prime Rate published in the Wall Street Journal on the first business day of the month. Currently rate would be 4.00% as of 3/15/2017. Minimum Annual Percentage Rate (APR) is 3.00%, Maximum APR is 18%. Minimum line of credit is $15,000. Maximum loan to value of 80%. Collateral must be a single-family owner-occupied residence. Property insurance is required. Flood insurance may be required. Full appraisal may be required to establish the property value, Appraisal Fee may apply, if applicable, customer will be notified in advance. Subject to credit approval. Requires a UCB checking account. Additional terms and conditions may apply. Early termination fee of $250 charged if account is closed within 36 months of opening.
(5) The rate will be variable and subject to change based on the monthly Prime Rate published in the Wall Street Journal on the first business day of the month. Currently rate would be 4.00% as of 3/15/2017. Minimum Annual Percentage Rate (APR) is 3.00%, Maximum APR is 18%. Minimum line of credit is $15,000. Maximum loan to value of 80%. Collateral must be a single-family owner-occupied residence. Property insurance is required. Flood insurance may be required. Full appraisal may be required to establish the property value, Appraisal Fee may apply, if applicable, customer will be notified in advance. Subject to credit approval. Additional terms and conditions may apply. Early termination fee of $250 charged if account is closed within 36 months of opening.
(6) Repayment example calculated using the maximum term for the lowest corresponding APR and EFT payment. Rates are subject to change without notice.
(7) Home Equity Term Loans: Minimum $8,000 loan and maximum 80% loan to value (LTV). Minimum credit score of 675. Terms range from 12 months to a maximum of  240 months. Requires automatic payment from a UCB account. Other rates and terms available. Collateral must be a single-family owner-occupied residence. $250 processing fee waived (excluding appraisal if required). Homeowner’s and Flood Insurance (if applicable) required. Additional terms and conditions may apply. Subject to credit approval. Published rates subject to change.