Share Rates

APY is accurate as of 07.20.17
All rates and terms subject to change without notice.

Regular Share and Club

  • APY
  • $25-$99.99
    0.15%
  • More than $99
    0.15%

$9 membership fee required plus $1 deposit to open. Fees may reduce earnings.

Value+ Money Market*

  • APY
  • $0-$9,999.99
    0.10%
  • $10,000+
    0.40%

Fees may reduce earnings

Business Savings

  • APY
  • Business Savings
    0.15%

Business Money Market

  • APY
  • $10,000-$24,999
    0.15%
  • $25,000+
    0.25%

IRA**

  • type
    ($1000 minimum) APY
  • IRA Share
    0.15%
  • $100 minimum
  • 12 Months
    0.80%
  • 24 Months
    1.05%
  • 36 Months
    1.30%
  • 48 Months
    1.50%
  • 60 Months
    1.80%

For more details please refer to your IRA plan agreement and disclosure. IRS penalties may apply for premature withdrawals in addition to an early withdrawal penalty. Please consult your tax professional for more information.

Money Market*

  • APY
  • $0-$2,499.99
    0.10%
  • $2,500-$9,999
    0.15%
  • $10,000-$49,999
    0.25%
  • $50,000-$99,999
    0.30%
  • $100,000+
    0.40%

Fees may reduce earnings.

APY = Annual Percentage Yield
* Rates may vary after account is opened and can change without notice.
** USCCU pays a bonus rate on all certificates over $50,000. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. Rates may vary after account is opened.

Loan Rates

Effective 07.20.17
All rates and terms subject to change without notice.

New Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.94%
    1.94%
  • 48 Months
    2.30%
    2.30%
  • 60 Months
    2.40%
    2.40%
  • 72 Months
    2.55%
    2.55%

Used Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.94%
    1.94%
  • 48 Months
    2.30%
    2.30%
  • 60 Months
    2.40%
    2.40%
  • 72 Months
    2.55%
    2.55%

Motorcycle, Boat and RV Loans

  • Term
    80%
    Financing APR
    90%
    Financing APR
  • 36 Months
    4.50%
    4.75%
  • 48 Months
    4.75%
    5.00%
  • 60 Months
    5.00%
    5.25%
  • 72 Months
    5.25%
    5.50%

Important Notes — Auto, Motorcycle, Boat and RV Loans

1) Rates displayed are Annual Percentage Rate. Rates and payments starts as low as the above published rates, and are based upon applicant credit evaluation, as determined by applicant’s credit, payment history and collateral. Rates and financing terms based on new vehicle purchase price or retail value of used vehicle.

2) Rates for auto loans, motorcycles, boats and RV’s include a .25% discount for direct deposit or automatic payment to loan from any USCCU or non USCCU account.

Signature Freedom Loans

  • Term
    APR
  • 48 Months
    as low as 7.90%

Personal Line of Credit

  • Type
    APR
  • Fixed Rate
    18.00%
  • Variable Rate
    as low as Prime + 4.65%

Personal Loan Closed End

  • Term
    APR
  • 12 Months
    as low as 8.90%
  • 24 Months
    as low as 8.90%
  • 36 Months
    as low as 8.90%
  • 48 Months
    as low as 8.90%

Home Loans

We offer a variety of mortgage products and rates change daily. To see our current rates, please see our home loans page or call
(877) 670-5860.

Certificate Secure Loans

  • Term
    APR
  • 3 Months
    3.35%
  • 6 Months
    3.55%
  • 12 Months
    3.80%
  • 24 Months
    4.05%
  • 36 Months
    4.30%
  • 48 Months
    4.50%
  • 60 Months
    4.80%

1) Minimum $5,000 required for 48 month term. 2) The rate shown is for a loan secured by a 12 month certificate. The rate may be higher or lower depending on the term of the certificate

Shared Secure Loans

  • Term
    APR
  • 12 Months
    3.15%
  • 24 Months
    3.20%
  • 36 Months
    3.15%
  • 48 Months
    3.15%
  • 60 Months
    3.15%
  • 72 Months
    3.15%
We pass along our profits to you.