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Loan Rates
Savings Rates

 

Loan Rates

U1 VIP Auto Rates
TermVIP RatesVIP APR*Dealer APR*
2024 - Newer
0-63 months 4.95% - 14.99% 5.01% - 15.06% 6.55% - 17.36%
64-75 months 5.49% - 11.24% 5.54% - 11.30% 6.74% - 14.91%
76-84 months 5.99% - 11.49% 6.04% - 11.54% 6.84% - 15.81%
2018 - 2023
0-63 months 5.24% - 15.24% 5.30% - 15.31% 6.85% - 17.36%
64-75 months 5.74% - 11.49% 5.80% - 11.55% 6.94% - 16.11%
76-84 months 6.24% - 11.74% 6.29% - 11.79% 7.04% - 16.91%
2014 - 2017
0-48 months 7.49% - 12.99% 7.57% - 13.08% 8.08% - 17.04%

Recreational Vehicles
Type
For specific Rates and Terms, please call 800-762-9555, option 0.

Signature
TypeTermRate
Fixed Rate Up to 60 Months 9.49%

Share Secured
TypeTermRates as low as
Fixed Up to 60 Months 5.00%

Visa Credit Card
TypeAPR (As Low As)
U1 Platinum 10.99%
U1 Platinum Variable 14.50%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. For U1 Platinum Variable, the APR may vary after the account is opened.

Mortgage
Type
FHA / VA / RD / Conventional - Check out the latest U1 Mortgage Rates for specific options.

Home Equity Line of Credit
TypeTermAPR (As Low As)
Up to 95% LTV 15 years 7.50%
*APR = Annual Percentage Rate.  The APR for the Home Equity Line of Credit (HELOC) is variable and based on Prime Rate as published in the Wall Street Journal plus a margin. Margin is determined by applicant's credit score and home's Loan to Value (LTV). Rates as low as Prime. Maximum APR = 18%. No closing costs with a $15,000 minimum initial advance; cannot be used towards U1 existing loans or debt. Third party fees could range from $0 - $400. Reimbursement of third party fees may be required for loans closed within the first three years of opening. Property insurance is required. Flood insurance and Private Mortgage Insurance (PMI) may be required. All loans subject to approval. Program subject to change.

Home Remedy Loan
TypeTermRates as low as
Up to 95% LTV 10 / 15 Years 9.00% / 9.50%
*All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. No closing costs with a $15,000 minimum initial loan amount; cannot be used towards U1 existing loans or debt. Property insurance is required. Flood insurance and Private Mortgage Insurance (PMI) may be required. Program subject to change.

 

 

Savings Rates

Checking Account
TypeMin. BalanceRateAPY
Universal Freedom 500 $500.00 0.05% 0.05%

Savings Accounts
Effective Date: Friday, April 18th, 2025
TypeMin. BalanceRateAPY
Tier 1 $5.00 - -
Tier 2 $300.00 0.05% 0.05%
Tier 3 $10,000.01 0.10% 0.10%
Tier 4 $50,000.01 0.15% 0.15%
Vacation & Holiday $50.00 0.10% 0.10%

Money Market
TypeMin. BalanceRateAPY
Tier 1 $2,000.00 2.00% 2.02%
Tier 2 $10,000.01 2.10% 2.12%
Tier 3 $25,000.01 2.20% 2.22%
Tier 4 $50,000.01 2.30% 2.32%
Tier 5 $100,000.01 2.40% 2.43%
Tier 6 $250,000.01 2.50% 2.53%
APY = Annual Percentage Yield
Money Market - Dividends paid monthly. A minimum deposit of $2,000 is required to open the account. Fees could reduce earnings.

Health Savings Account
TypeMin. BalanceRateAPY
HSA - 0.75% 0.75%
HSA 3 Month Certificate $1,000.00 1.00% 1.00%

Certificates
TermMin. BalanceRateAPY
6 Months $1,000.00 3.80% 3.87%
7 Months $1,000.00 3.80% 3.87%
12 Month Money Saver $25.00 1.60% 1.61%
12 Months $500.00 3.80% 3.87%
13 Months $1,000.00 3.80% 3.87%
18 Months $1,000.00 3.80% 3.87%
24 Months $1,000.00 3.80% 3.87%
30 Months $1,000.00 3.82% 3.89%
36 Months $1,000.00 3.84% 3.91%
48 Months $1,000.00 3.86% 3.93%
60 Months $1,000.00 3.88% 3.95%
HSA 3 Month Certificate $1,000.00 1.00% 1.00%
APY = Annual Percentage Yield
Certificates - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.

IRAs
TermMin. BalanceRateAPY
12 Months $500.00 3.80% 3.87%
24 Months $1,000.00 3.80% 3.87%
30 Months $1,000.00 3.82% 3.89%
48 Months $1,000.00 3.86% 3.93%
60 Months $1,000.00 3.88% 3.95%
Passbook - 0.10% 0.10%
APY = Annual Percentage Yield
IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.

Business Savings
Account BalanceDividend RateAPY
$0.00 to $299.99 0.00% 0.00%
$300.00 to $10,000.00 0.05% 0.05%
$10,000.01 to $50,000.00 0.10% 0.10%
$50,000.01 and over 0.15% 0.15%

APY = Annual Percentage Yield

Rates subject to change

Business Advantage Checking
Account BalanceDividend RateAPY
$0.00 to $999.99 Avg. Daily 0.00% 0.00%
$1,000.00 and over 0.10% 0.10%

APY = Annual Percentage Yield

Checking paid on the ADB (Average Daily Balance) of $1,000.00 or more for Advantage Checking and $50,000.00 or more for Success Checking, paid monthly. Rates subject to change.

Business Success Checking
Account BalanceDividend RateAPY
$0.00 to $49,999.99 Avg. Daily 0.00% 0.00%
$50,000.00 and over 0.60% 0.60%

APY = Annual Percentage Yield

Checking paid on the ADB (Average Daily Balance) of $1,000.00 or more for Advantage Checking and $50,000.00 or more for Success Checking, paid monthly. Rates subject to change. 

 

 

APY = Annual Percentage Yield
Checking - 0.05% APY on the average daily balance of $500.00 or more, paid monthly.
Savings - Tiers 1-4 apply to Savings and Savings Plus accounts only. APY on the average daily balance of $300.00 or more on Savings and Savings Plus accounts, paid monthly. Dividends paid on $50.00 or more balances in Vacation and Holiday accounts.
Money Market - Dividends paid monthly. A minimum deposit of $2,000 is required to open the account. Fees could reduce earnings.
Certificates - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.
IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.
Business Accounts - Checking paid on the ADB (Average Daily Balance) of $1,000.00 or more for Advantage Checking and $50,000.00 or more for Success Checking, paid monthly. Rates subject to change. 

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