Loan Rates

Auto Loans Rates

TypeAPR
NEW Autos
Up to 36 months Rates as low as 2.50% - 13.50%
Up to 48 months Rates as low as 2.75% - 13.75%
Up to 60 months Rates as low as 2.99% - 14.50%
Up to 72 months Rates as low as 3.25% - 15.25%
Up to 84 months Rates as low as 4.25% - 15.75%
USED Autos
Up to 36 months Rates as low as 2.75% - 13.75%
Up to 48 months Rates as low as 2.99% - 14.25%
Up to 60 months Rates as low as 3.50% - 14.75%
Up to 72 months Rates as low as 3.75% - 15.25%
Up to 84 months Rates as low as 4.75% - 15.75%
6 – 10 years old Rates as low as 5.75% - 16.50%

Certain credit criteria and restrictions apply.
*APY is Annual Percentage Yield.
Loan rates effective January 1, 2021, and are subject to change.
USECU does offer 100% financing. However, down payments may be required depending on the type of loan and credit experience.
A fixed rate loan for $20,000 based on an 2.99% APR paid over 60 months would have 60 monthly payments of $359.31.
**The maximum loan term is dependent on the age of the vehicle.

Personal Loans Rates

TypeAPR
Line of Credit - revolving Rates as low as 9.50% - 18.00%
Unsecured Loan
Up to 12 months Rates as low as 9.00% - 17.00%
Up to 24 months Rates as low as 9.00% - 17.50%
Up to 36 months Rates as low as 9.00% - 18.00%
Up to 48 months Rates as low as 9.99% - 13.25%
Up to 60 months Rates as low as 10.00% - 13.50%
Share and Share Certificate Secured loans are 3% over the dividend rate.

Certain credit criteria and restrictions apply.
*APY is Annual Percentage Yield.
Personal loan rate effective January 1, 2021.
A fixed rate loan for $10,000 based on an 9.00% APR paid over 36 months would have 36 monthly payments of $318.04.

Boat, Motorcycle, RV Loans Rates

TypeAPR
New/Used
Up to 84 months Rates as low as 4.75% - 16.50%
Up to 120 months Rates as low as 4.75% - 16.50%
Up to 144 months Rates as low as 5.75% - 15.99%
Up to 180 months Rates as low as 6.75% - 16.50%

Certain credit criteria and restrictions apply. Rates above includes discounts.
The ANNUAL PERCENTAGE RATE (APR) you receive for new and used autos and trucks may be different from the APR disclosed above based on your various credit history criteria. Loan rates are effective as of January 1, 2021, and are subject to change. **The maximum loan term is dependent upon the age of the vehicle. USECU does offer 100% financing. However, down payments may be required depending on the type of loan and credit experience. A fixed rate loan for $20,000 based on an 4.75% APR paid over 84 months would have 84 monthly payments of $280.37.

Credit Card Rates

TypeAPR
For Purchases 9.90%, 11.90%, or 12.90%
For Balance Transfers 9.90%, 11.90%, or 12.90%
For Cash Advances 9.90%, 11.90%, or 12.90%

Rates based on creditworthiness. Please refer to Visa Platinum Disclosure for more information.

For additional information, contact a Member Service Representative at 713-595-3400 or send an email to: info@usecreditunion.com.