Share Rates

APY is accurate as of 12.07.22
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
    0.250%
    0.25%
  • $10,000 to $24,999
    0.797%
    0.80%
  • $25,000 to $49,999
    0.797%
    0.80%
  • $50,000 to $99,999
    0.896%
    0.90%
  • $100,000 to $249,999
    0.995%
    1.00%
  • $250,000 to $499,999
    0.995%
    1.00%
  • $500,000 to $999,999
    0.995%
    1.00%
  • $1 million and over
    0.995%
    1.00%

Fees may reduce earnings

IRA**

  • Type
    Div.Rate
    ($1000 MIN)
    APY
  • IRA Share
    0.200%
    0.20%
  • $100 minimum
  • 12 Months
    2.325%
    2.35%
  • 24 Months
    2.472%
    2.50%
  • 36 Months
    2.667%
    2.70%
  • 48 Months
    2.716%
    2.75%
  • 60 Months
    2.862%
    2.90%

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
    0.200%
    0.20%
  • $2,500-$9,999
    0.499%
    0.50%
  • $10,000-$49,999
    0.499%
    0.50%
  • $50,000-$99,999
    0.549%
    0.55%
  • $100,000+
    0.598%
    0.60%

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 12.07.22
All rates and terms subject to change without notice.

Instant Loans

  • Loan
    APR
  • New Start Loan
    9.00%
  • Life Flex Loan
    18.50%
  • Ready Funds Loan
    19.50%

Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods1

  • Term
    APR
  • 36 Months
    as low as 8.24%
  • 48 Months
    as low as 8.49%
  • 60 Months
    as low as 8.74%
  • 72 Months
    as low as 8.99%
1Motorcycles, E-Bikes, & Other Consumer Goods “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2020 or newer vehicle models. Such rates are subject to change based on vehicle year.

Boats & RV's1

  • Term
    APR
  • 48 - 180 Months
    as low as 6.99%
1Boats & RV’s “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2020 or newer vehicle models. Such rates are subject to change based on vehicle year.

Solar Loans - Solar System1

  • TERM UP TO
    APR
  • 36 Months
    as low as 4.99%
  • 60 Months
    as low as 5.49%
  • 84 Months
    as low as 5.99%
  • 120 Months
    as low as 6.49%
  • 144 Months
    as low as 6.99%
  • 180 Months
    as low as 7.49%
  • 240 Months
    as low as 7.99%
1Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.

Solar Loans - Tax Credit1

  • TERM UP TO
    APR
  • 18 Months
    as low as 4.99%
1Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.

Student Loan Refinance

  • Term
    Variable APR
    Fixed APR
  • 60 Months
    as low as 3.74%
    as low as 4.49%
  • 84 Months
    as low as 5.14%
    as low as 5.39%
  • 120 Months
    as low as 5.44%
    as low as 5.69%
  • 180 Months
    as low as 5.84%
    as low as 6.09%

Personal Loan

  • Term
    APR
  • 36 Months
    as low as 8.99%
  • 48 Months
    as low as 9.49%
  • 60 Months
    as low as 9.74%
  • 72 Months
    as low as 10.74%

Auto Loans + Touring Motorcycles over 1200cc1

  • Term
    100%
    Financing APR
  • 36 Months
    as low as 4.24%
  • 48 Months
    as low as 4.49%
  • 60 Months
    as low as 4.74%
  • 72 Months
    as low as 4.99%
  • 84 Months
    as low as 5.49%
1Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2020 or newer vehicle models. Such rates are subject to change based on vehicle year.

Personal Line of Credit

  • Type
    APR
  • Variable Rate
    as low as 11.60%

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 11.90%
  • Platinum Rewards Mastercard
    as low as 13.90%
  • Student MasterCard
    as low as 11.90%
  • Secured MasterCard
    as low as 13.99%

Home Equity Line of Credit 2

  • Type
    APR
  • Interest Only HELOC
    as low as 6.90%
  • Traditional HELOC
    as low as 6.90%
2Terms and Conditions: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective November 3, 2022 variable, and is subject to change. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $10,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $8,000 must be maintained for first 12 months; otherwise, a $400 fee will be assessed. Minimum floor rate of 3.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $10,000 at 6.90% (Prime -.10%) is $57.50 during the draw period and $89.32 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $10,000 at 6.90% (Prime -.10) is $150. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. NMLS #448984

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
    4.15%
  • 6 Months
    4.60%
  • 12 Months
    5.30%
  • 24 Months
    5.45%
  • 36 Months
    5.65%
  • 48 Months
    5.70%
  • 60 Months
    5.85%

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.