Resources

Rates & Fees

Savings

Business Savings

Balance Rate APY
$100 and more 0.010% 0.01%

Effective Date: October 1, 2021

(Calculated daily; paid monthly on balances of $100 or more)


Premium Business Savings

Balance Rate APY
$100 and more 0.250% 0.25%

Effective Date: June 24, 2015

(Calculated daily; paid monthly on balances of $100 or more)


Money Market

Money Market TierRateAPY RangeAPY Range
(with bonus dividend)
$0 to $10,0000.010%0.01%0.01%
$0 to $10,000 w/ Bonus Dividend1 0.060%0.06%0.06%
$10,000 to $49,999.990.150%0.01-0.12%0.06–0.13%
$50,000 to $99,999.990.499%0.12-0.31%0.13-0.32%
$100,000 to $499,999.990.995%0.31-0.86%0.32-0.86%
$500,000 to $999,999.992.472%0.86-1.68%0.86-1.68%
$1,000,000 and Greater 3.203%1.68-3.25%1.68-3.25%

Effective Date: December 15, 2023 (terms subject to change)

1Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member’s checking account.

Our tiered-rate calculation method offers higher rates as your balance increases. The stated interest rate is only paid on the portion of the balance within the specified tier.


Fixed Rate Certificate

TermRateAPY
3 Month3.928%4.00%
6 Month3.928%4.00%
12 Month3.928%4.00%
18 Month3.928%4.00%
24 Month4.025%4.10%
24 Month Step-Up3.880%3.95%
36 Month4.266%4.35%
48 Month3.445%3.50%
60 Month3.203%3.25%

 

Effective Date: February 8, 2024


Checking

Premium Business Checking

Balance Rate APY
$100 and more 0.050% 0.05%

Effective Date: June 24, 2015

(Calculated daily; paid monthly on balances of $100 or more)



Credit Card Rates

Great Rate VISA®

Your Credit Excellent Good Average
Annual Percentage Rate (APR) 13.90% 14.90% 15.90%

Cash Back VISA®

Your Credit Excellent Good Average
Annual Percentage Rate (APR) 15.90% 16.90% 17.90%

Travel Rewards VISA®

Your Credit Excellent Good Average
Annual Percentage Rate (APR) 15.90% 16.90% 17.90%

Business Auto Loans

Annual Percentage Rate (APR) based on your credit
Term
(Months)
Excellent Good Average
1 to 48 7.19%7.69%8.44%
49 to 66 7.69%8.19%8.94%

Term restrictions may apply.

A loan documentation fee of $175 will be assessed at closing.


Equipment Loans

Annual Percentage Rate (APR) based on your credit
Term
(Months)
Excellent Good Average
12 to 36  10.00%10.50%11.00%
37 to 60  10.50%11.00%11.50%

Term restrictions may apply.

A loan documentation fee of $175 will be assessed at closing.


Line of Credit

Annual Percentage Rate (APR) based on your credit
Excellent Good Average
12.00% 12.50% 13.00%

All rates are indexed to Wall Street Journal Prime Rate of the previous month. Your rate during the 2-year revolving period is set on the first day of each month. On the first day of the 25th month, when your 5-year term begins, your rate becomes fixed.

Your rate is fixed on the 25th month, when your 5-year term begins.

A loan documentation fee of $175 will be assessed at closing.


Working Capital Loan

Annual Percentage Rate (APR) based on your credit
Term
(Months)
Excellent Good Average
12 to 36  11.50%12.00%12.50%
37 to 60  12.00%12.50%13.00%

Business Account Fees

Account Fees
Analysis fee First 50 are free
(per month, $0.10 for each additional item)

Premium Business Checking
Monthly Service Fee

$20.00
Business Credit Card Fees (For Existing Accounts)
Late Fee $29.00
Overlimit Fee $29.00
Returned Payment (Paper Check or ACH) $20.00
Express Order $15.00
Statement Copy (Printed or PDF) $2.00 per statement
International Transaction Fee 1% of transaction amount
Cash Advance Fee $5 or 1% of transaction amount, up to $100

General Account Fees


Fees subject to change.

Fees could reduce earnings on account.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

* Please be aware that rates are subject to change without notice. Dividends are based on UFCU's earnings and cannot be guaranteed.