Effective May 14, 2012
| Loan Type | Annual Percentage Rate | Annual Fee |
| Home Equity Line of Credit Special |
2.99%* |
$0 |
| Home Equity Line of Credit | Variable at WSJ Prime + 1.0 Floor Rate of 4.00% |
$0 |
| Loan Type | Credit Score Requirement | Term | Preauthorized Payment APR | Coupon APR | Monthly Payment example per $1,000 borrowed** |
| Home Equity Term Loan Rates |
|||||
| Home Equity | Up to 36 Months | 4.47% | 4.47% | $29.73 | |
| Home Equity*** | 675+ | Up to 36 Months | 4.25% | 4.25% | $29.64 |
| Home Equity | Up to 60 Months | 4.50% | 4.50% | $18.64 | |
| Home Equity**** | 675+ | Up to 60 Months | 4.49% | 4.49% | $18.64 |
| Home Equity | Up to 84 Months | 4.94% | 4.94% | $14.11 | |
| Home Equity**** | 675+ | Up to 84 Months | 4.49% | 4.49% | $13.90 |
| Home Equity | Up to 120 Months | 5.52% | 5.52% | $10.86 | |
| Home Equity**** | 675+ | Up to 120 Months | 4.49% | 4.49% | $10.36 |
| Home Equity | Up to 180 Months | 4.64% | 4.64% | $7.72 | |
| Home Equity | Up to 240 Months | 4.64% | 4.64% | $6.40 | |
| Auto Loan Rates | |||||
| New Auto (2011-2012) Never Titled |
Up to 48 Months | 7.25% | 7.75% | $24.06 | |
| New Auto (2011-2012) Never Titled |
Up to 60 Months | 7.50% | 8.00% | $20.04 | |
| Used Auto (2010-2012) |
Up to 48 Months | 8.25% | 8.75% | $24.53 | |
| Used Auto (2008-2009) |
Up to 48 Months | 9.00% | 9.50% | $24.89 | |
| Personal Loan Rates | |||||
| Personal Loan (unsecured) | Up to 36 Months | 14.00% | 14.50% | $34.18 | |
*The introductory Annual Percentage Rate (APR) of 2.99% is fixed for the first 12 months. At the end of the 12 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 plus 1.00%. Currently rate would be 4.25% as of 3/26/2012. Minimum Annual Percentage Rate (APR) is 4.00%, Maximum APR is 18%. Minimum line of credit is $15,000. Maximum loan to value of 80%. The Real Estate must be a 1 to 4 family residence, and owner occupied. 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 24 months of opening. Rates valid as of 3/26/2012.
**Repayment example calculated using the maximum term for the lowest corresponding APR and EFT payment. Rates are subject to change without notice.
***Minimum $10,000 loan and maximum 80% loan to value (LTV). Minimum $10,000 of new money loaned. Minimum credit score of 675. Maximum term 36 months. 4.25% Annual Percentage Rate (APR) requires automatic payment from a UCB deposit account. Payment example: 36 monthly payments of $29.64 per $1000 borrowed. Other rates and terms available. $250 processing fee waived. Homeowner’s and Flood Insurance (if applicable) required. Subject to credit approval. Published rates subject to change.
****Minimum $10,000 loan and maximum 80% loan to value (LTV). Minimum credit score of 675. Minimum $10,000 of new money loaned. Term from 37 months to maximum of 120 months. 4.49% Annual Percentage Rate (APR) requires automatic payment from a UCB deposit account. Payment example: 84 monthly payments of $13.90 per $1000 borrowed. Other rates and terms available. $250 processing fee waived. Homeowner’s and Flood Insurance (if applicable) required. Subject to credit approval. Published rates subject to change.
The real estate must be a 1 to 4 family residence, and owner occupied. 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. Rates valid as of 3/26/2012. Minimum loan/new money amount $10,000.00. Requires EFT payment from a UCB Account.
