Current Loan Rates
| Loan Rates |
Rates Effective as of January 6, 2020.
APR = Annual Percentage Rate APR may change at any time as determined by the credit union board of directors |
| Account Purpose | Repayment Period | APR | |
| Rates for New and Used Autos, Motorcycles, Boats, or Recreational Vehicles are the same! | |||
| New - '18 and newer – maximum term 75 months | 61 - 75 months | 3.99 - 17.24 | |
| Under 60 Months | 3.74 - 16.74 | ||
| New - '18 and newer - Invoice over $15,000 - maximum term 66 months | |||
| New - '18 and newer - Invoice over $20,000 - maximum term 75 months | |||
|
Used '17 - maximum term 72 months Used '16 - maximum term 66 months Used '15 - maximum term 60 months Used '14 - maximum term 54 months Used '13 - maximum term 48 months Older - maximum term 36 months High mileage vehicles will be qualified at shorter terms |
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| Account Purpose | APR | ||
| Share / Share Certificate | Deposit Rate Plus 2.0% | ||
| Account Purpose | Repayment Period | APR | |
| Other Collateral - 4 Wheelers, ATVs, equipment, UTV's, and utility trailers | 48 Mo. | 5.74 - 17.99 | |
| Signature | 12 - 36 Mo | 8.50 - 17.50 | |
* Listed annual percentage 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 of the criteria upon which rates are based.
Recreational Vehicles, boats and Motor homes with terms longer than 72-75 month terms will 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 will add an additional .25% over the stated 72-75 month term above.
Street legal motorcycles follow the Auto term rates listed above. All other motorcycles not street legal will have a max term of 48 months.
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*SAVE $547.00 -- The average savings figure is a national average savings number from the previous 12 months of auto, homeowner and packaged policyholders’ savings when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products which are available are not deposits of the Financial Institution and are not protected by any type of deposit insurance, are not obligations of or guaranteed by the Financial Institution, and may be subject to risk. Any insurance required as a condition of the extension of credit by the Financial Institution need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice.
Copyright ©2020 Union Square Credit Union | Privacy Disclosure | Wiring Instructions
Routing and Transit Number: 311989001
USCU NMLS ID: 421480
This credit union is federally insured by the National Credit Union Administration, NCUA, a U.S. Government agency. Your savings are federally insured to at least $250,000 and backed by the full faith of the U.S. Government.
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