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 Tier | Rate | APY Range | APY Range (with bonus dividend) |
---|
$0 to $10,000 | 0.010% | 0.01% | 0.01% |
---|
$0 to $10,000 w/ Bonus Dividend1 | 0.060% | 0.06% | 0.06% |
---|
$10,000 to $49,999.99 | 0.150% | 0.01-0.12% | 0.06–0.13% |
---|
$50,000 to $99,999.99 | 0.499% | 0.12-0.31% | 0.13-0.32% |
---|
$100,000 to $499,999.99 | 0.995% | 0.31-0.86% | 0.32-0.86% |
---|
$500,000 to $999,999.99 | 2.472% | 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: August 23, 2024 (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
Term | Rate | APY |
---|
3 Month | 3.928% | 4.00% |
---|
6 Month | 3.928% | 4.00% |
---|
12 Month | 3.928% | 4.00% |
---|
18 Month | 3.928% | 4.00% |
---|
24 Month | 3.928% | 4.00% |
---|
24 Month Step-Up | 3.784% | 3.85% |
---|
36 Month | 3.928% | 4.00% |
---|
48 Month | 3.445% | 3.50% |
---|
60 Month | 3.203% | 3.25% |
---|
Effective Date: August 23, 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 |
---|
12 to 48 | 7.00% | 7.50% | 8.00% |
49 to 66 | 7.50% | 8.00% | 8.50% |
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 | 9.50% | 10.00% | 10.50% |
37 to 60 | 10.00% | 10.50% | 11.00% |
Term restrictions may apply.
A loan documentation fee of $175 will be assessed at closing.
Current Rates for Lines of Credit $100,000 or Less
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 | 11.00% | 11.50% | 12.00% |
37 to 60 | 11.50% | 12.00% | 12.50% |
A loan documentation fee of $175 will be assessed at closing.
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.