Share Rates

APY is accurate as of 12.01.21
All rates and terms subject to change without notice.

Regular Share and Club

  • Balance
    Div.Rate
    APY
  • $25-$99.99
    0.050%
    0.05%
  • More than $99
    0.050%
    0.05%

$9 membership fee required plus $1 deposit to open. Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.

Value+ Money Market*

  • Balance
    Div.Rate
    APY
  • $0-$9,999.99
    0.050%
    0.05%
  • $10,000+
    0.200%
    0.20%

Fees may reduce earnings

IRA**

  • Type
    Div.Rate
    ($1000 MIN)
    APY
  • IRA Share
    0.150%
    0.15%
  • $100 minimum
  • 12 Months
    0.499%
    0.50%
  • 24 Months
    0.648%
    0.65%
  • 36 Months
    0.747%
    0.75%
  • 48 Months
    0.847%
    0.85%
  • 60 Months
    0.946%
    0.95%

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*

  • Balance
    Div.Rate
    APY
  • $0-$2,499.99
    0.050%
    0.05%
  • $2,500-$9,999
    0.100%
    0.10%
  • $10,000-$49,999
    0.100%
    0.10%
  • $50,000-$99,999
    0.150%
    0.15%
  • $100,000+
    0.200%
    0.20%

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 of $50,000 or more. 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 12.01.21
All rates and terms subject to change without notice.

Student Loan Refinance

  • Term
    Variable APR
    Fixed APR
  • 60 Months
    as low as 2.29%
    as low as 2.49%
  • 84 Months
    as low as 2.75%
    as low as 2.85%
  • 120 Months
    as low as 2.95%
    as low as 3.05%
  • 180 Months
    as low as 3.35%
    as low as 3.45%

Personal Loan

  • Term
    APR
  • 36 Months
    as low as 7.24%
  • 48 Months
    as low as 7.74%
  • 60 Months
    as low as 7.99%
  • 72 Months
    as low as 8.99%

Auto Loans1

  • Term
    100%
    Financing APR
  • 36 Months
    as low as 1.79%
  • 48 Months
    as low as 2.24%
  • 60 Months
    as low as 2.49%
  • 72 Months
    as low as 2.74%
  • 84 Months
    as low as 3.74%
1Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2019 or newer vehicle models. Such rates are subject to change based on vehicle year.

Certificate Program Loan

  • Approved Program
    APR
  • School Business Management Certificate Program Loan
    as low as 5.90%
  • Reading and Literacy Added Authorization Loan
    as low as 5.90%
  • Differentiated Curriculum Loan
    as low as 5.90%
  • School Leadership Academy
    as low as 5.90%

Credit Cards

  • Card
    APR (variable)
  • Platinum Mastercard
    as low as 8.15%
  • Platinum Rewards Mastercard
    as low as 10.15%
  • Student MasterCard
    as low as 8.15%
  • Secured MasterCard
    as low as 13.99%

Home Equity Line of Credit 2

  • Type
    APR
  • Interest Only HELOC
    as low as 3.00%
  • Traditional HELOC
    as low as 3.00%
2A sample monthly payment for a 70% interest only HELOC, credit score of 720+ with a balance of $10,000 at 3% (Prime -.25%) is $25.00; a sample monthly payment for an 75% traditional HELOC, credit score of 720+ with balance $10,000 at 3% (Prime -.25) is $150. Payment examples are for illustration purposes only and are subject to change at any time without notice.

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
    3.10%
  • 6 Months
    3.25%
  • 12 Months
    3.45%
  • 24 Months
    3.60%
  • 36 Months
    3.70%
  • 48 Months
    3.80%
  • 60 Months
    3.90%

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
    3.05%
  • 24 Months
    3.05%
  • 36 Months
    3.05%
  • 48 Months
    3.05%
  • 60 Months
    3.05%
  • 72 Months
    3.05%
We pass along our profits to you.