Loan Rates

Check out Union Square Credit Union’s competitive rates.


Loan Rates

New & Used Auto Loan Rates

Rates effective as of December 15, 2022

Rates for new and used autos, motorcycles, boats, or recreational vehicles are the same.

Term APR
61 - 84 Months 7.24% - 17.95%
60 Months or Less 6.99% - 17.49%
60 Months, Other Collateral: 4 Wheelers, ATVs, equipment, UTV's, and utility trailers 8.99% - 19.95%
  • New 2021 and newer: maximum term 84 months
  • Used 2018 - 2020: maximum term 72 months
  • Used 2017: maximum term 66 months
  • Used 2016: maximum term 60 months
  • Used 2015: maximum term 54 months
  • Used 2014: maximum term 48 months
  • Older: maximum term 42 months

High mileage vehicles qualify at shorter terms.

Recreational vehicles, boats, and motorhomes with terms longer than 72-75 months follow the rate structure above with an additional 0.25% for every additional 12 month period.

Extended terms are allowed with a maximum term of 120 months. Each 12 month increase in term adds an additional .25% over the stated 72-75 month term above.

Street-legal motorcycles follow the auto term rates listed above. All non-street-legal motorcycles have a maximum term of 48 months.

Signature Loan Rates

Rates effective as of December 15, 2022

Account Purpose Repayment Period APR
Loan (12 - 60 Mo.) 12 - 60 Months 10.00% - 17.50%

Flex Line Rates

Rates effective as of December 15, 2022

Account Purpose Repayment Period APR
Loan (12 - 60 Mo.) 12 - 60 Months 8.00% - 17.00%

Credit Card Rates

Rates effective as of December 15, 2022

*The standard variable APR is U.S. Prime plus 5.75% - 18.00% based on creditworthiness. Rates are variable and subject to change at any time at Union Square Credit Union’s discretion.

Annual Percentage Rate (APR) may change at any time as determined by Union Square Credit Union Board of Directors. Rates reflect a low to high range based on loan term. Lower rates in each range apply to well qualified applicants. Normal credit criteria apply to all applicants. Credit history is one criterion upon which rates are based.