Effective February 6, 2012
| Loan Type | Annual Percentage Rate | Annual Fee |
| Home Equity Line of Credit | Variable at WSJ Prime + 1.0 Floor Rate of 4.50%* |
$0 |
| Loan Type | Credit Score Requirement | Term | Preauthorized Payment APR | Coupon APR | Monthly Payment example per $1,000 borrowed** |
| Home Equity Loan Rates |
|||||
| Home Equity | Up to 36 Months | 4.62% | 4.61% | $29.80 | |
| Home Equity*** | 675+ | Up to 36 Months | 4.25% | 4.25% | $29.64 |
| Home Equity | Up to 60 Months | 4.57% | 4.62% | $18.70 | |
| Home Equity**** | 675+ | Up to 60 Months | 4.49% | 4.49% | $18.64 |
| Home Equity | Up to 84 Months | 5.04% | 5.13% | $14.20 | |
| Home Equity***** | 675+ | Up to 84 Months | 4.75% | 4.75% | $14.02 |
| Home Equity | Up to 120 Months | 5.58% | 5.66% | $10.93 | |
| Home Equity***** | 675+ | Up to 120 Months | 4.75% | 4.75% | $10.48 |
| Home Equity | Up to 180 Months | 4.75% | 4.85% | $7.83 | |
| Home Equity | Up to 240 Months | 4.75% | 4.85% | $6.52 | |
| 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 | |
*Current rate would be 4.50% as of 12/20/11. Minimum Annual Percentage Rate (APR) is 4.50%, maximum APR is 18%. Minimum Line of Credit is $8,000.00. Maximum loan-to-value of 80%. $175.00 processing fee applies.
**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 $10,000 of new money loaned. Minimum credit score of 675. Maximum term 60 months. 4.49% Annual Percentage Rate (APR) requires automatic payment from a UCB deposit account. Payment example: 60 monthly payments of $18.64 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 84 monthsto maximum of 120 months. 4.75% Annual Percentage Rate (APR) requires automatic payment from a UCB deposit account. Payment example: 84 monthly payments of $14.02 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 6/9/11. Minimum loan/new money amount $10,000.00. Requires EFT payment from a UCB Account.
