Financial Tools

Rates & Fees

TOPICS

No More Nickel-and-Diming

At UFCU, we believe your money should work for you. Our competitive rates and low fees allow you to make the most of every dollar.*

Checking Rates

Account Type Balance Rate APY
Free Any 0.000% 0.00%
Plus $1,000 and more 0.010% 0.01%

Effective Date: October 1, 2021

Account Type Balance Rate APY
Teen $500 and more 0.000% 0.00%
Teen Less than $500 0.499% 0.50%

Effective Date: October 1, 2021



Savings Rates

Account TypeBalanceRateAPY
Savings$100 and more0.010%0.01%
Teen & Kidz$1 and more0.250%0.25%

Effective Date: January 2, 2024



Money Market Rates

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.



IRA & Certificate Rates

Fixed-Rate Certificate

TermRateAPY
3 Month3.928%4.00%
6 Month3.928%4.00%
9 Month*4.889%5.00%
12 Month4.410%4.50%
18 Month4.410%4.50%
24 Month4.410%4.50%
24 Month Step-Up4.266%4.35%
36 Month4.266%4.35%
48 Month3.445%3.50%
60 Month3.203%3.25%

*Only available at New Hope Branch

Effective Date: May 28, 2024



Fixed-Rate IRA

TermRateAPY
6 Month3.928%4.00%
12 Month4.410%4.50%
24 Month4.410%4.50%
24 Month Step-Up4.226%4.35%
36 Month4.266%4.35%
48 Month3.445%3.50%
60 Month3.203%3.25%

 

Effective Date: April 5, 2024



Variable-Rate Early Saver Certificate

TermRateAPY
12 Month–up to $20,000 4.410%4.50%
12 Month–over $20,000 0.250%0.25%

Effective Date: April 5, 2024



Variable-Rate IRA

Term Rate APY
Variable 0.010% 0.01%

Effective Date: October 1, 2021



Credit Card Rates

Great Rate VISA®

Your CreditExcellent Good Average Fair MarginalLow /
No Score
Annual Percentage Rate (APR)9.49%11.49%13.49%16.49%17.90%17.90%


Travel Rewards VISA®

Your CreditExcellent Good Average Fair MarginalLow /
No Score
Annual Percentage Rate (APR)13.90%14.90%15.90%16.90%17.90%17.90%


Cash Back VISA®

Your CreditExcellent Good Average Fair MarginalLow /
No Score
Annual Percentage Rate (APR)14.90%15.90%16.90%17.49%17.90%17.90%


Auto & Personal Loan Rates

Auto and Auto Second Chance Loan Rates

Annual Percentage Rate (APR) based on your credit
Term
(Months)
Excellent Good Average FairMarginalLow /
No Score
1 to 486.39%6.89%7.64%9.14%14.40%17.00%
49 to 666.89%7.39%8.14%9.64%14.85%17.45%
67 plus7.29%
7.79%8.79%10.64%16.30%17.90%

These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.

Term restrictions may apply.




Other Secured (including Boat, RV, Motorcycle)

Annual Percentage Rate (APR) based on your credit
Term
(Months)
Excellent Good Average Fair MarginalLow /
No Score
1 to 368.30%8.70%10.20%11.70%16.25%17.50%
37 to 758.50%9.15%10.65%12.15%16.70%17.90%
76 plus10.40%10.60%12.10%14.10%17.90%17.90%

Rate discounts do not apply to current UFCU loans.

These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.

Term restrictions may apply.



Share Secured Loan

3% over the stated dividend rate of the instrument securing the loan.



Signature Loan

Annual Percentage Rate (APR) based on your credit
Term
(Months)
Excellent Good Average Fair MarginalLow /
No Score
Up to 6011.90%13.90%15.90%16.90%17.90%17.90%

Monthly payment per $1,000 borrowed: $22.70.

Minimum loan amounts may apply.



Personal Line-of-Credit

Annual Percentage Rate (APR) based on your credit
Excellent Good Average Fair MarginalLow /
No Score
11.90%13.90%15.90%16.90%17.90%17.90%


Certificate Secured Loan

3% over the stated dividend rate of the instrument securing the loan.



Credit Builder Loan

Term (Months) Amount Borrowed APR
6 to 24 $500 - $25003.00%


UT Golf Club Membership Loans

4% over the current stated secured loan rate based on term and score.



Fee Schedule

Account Fees
Plus Checking
(if combined month-end balances fall below $2,500)
$10.00 (per month)
Par Value of Share $1.00
Debit Card/ATM Fees
ATM Transaction (non-UFCU/non-Austin or Galveston Alliance ATMs) $1.00
Debit Card/ATM Courtesy Pay Item $35.00
Replacement Card $5.00
Sales Draft Copy $25.00
International Transaction Fee 1% of each transaction amount (in US Dollars)
UFCU Deposit Card $2.00 (per card)
Personal Credit Card Fees
Late Fee $25.00 (not to exceed minimum payment)
Payment Returned NSF $20.00
Statement Copy $2.00 (per statement)
Stop Payment $20.00
International Transaction Fee 1% of each transaction amount (in US Dollars)
Card Express Fee $15.00
Cash Advance Fee 1% of each advance, or $5 (whichever is greater)
Loan Fees
Consumer Loan Late Fee 25% of interest due ($5 min)
Mortgage Loan Late Fee 5% of principal & interest due
Skip A Pay $25.00
Safe Deposit Box Fees
Drilling $175.00
Emergency Drilling Call for Quote
Emergency Drill No Show $85.00
Lost Key $10.00 (per key)
3 x 5 x 22 $15.00 (per year)
3 x 10 x 22 $30.00 (per year)
5 x 5 x 22 $25.00 (per year)
5 x 10 x 22 $50.00 (per year)
10 x 10 x 22 $75.00 (per year)
15 x 10 x 22 $115.00 (per year)
15 x 15 x 22 $165.00 (per year)
31.5 x 15 x 22 $350.00 (per year)
Miscellaneous Fees
Account Closing
(savings within 90 days of open date)
$5.00
Account Research/Reconciliation $15.00 (per hour, 1 hr min)
Bad Address $5.00 (per quarter)
Cashier’s Check $2.00
Cashier's Check (non-member) $5.00
Charge Back Item $30.00
Check Collection $10.00
Check Copy $2.00
Collection - Outgoing Item $10.00
Courtesy Pay Item $35.00
Deposited Item Returned $5.00
Escheat $10.00
Fax - Domestic Outgoing $2.00 (per page)
Fax - International Outgoing $5.00 (per page)
History Printout $2.00 (per month)
Inactive Account $5.00 (per month starting 12 months after inactivity)
International Draft $20.00
International Stop Payment/Collection $30.00
Legal Process
(i.e. IRS levies, garnishments, etc.)
$50.00 (min or actual cost)
Loose Coin Exchange (excluding Kidz & Teen Accounts) 5% (over $100)
Money Market excessive withdrawals First 6 are free (per month, $25.00 for each additional withdrawal)
Money Order $1.00
Payment Convenience $10.00
Rolled Coin $.10 (per roll)
Shared Branch Return $15.00
Statement Copy $4.00 (per statement)
Stop Payment $30.00
Strapped Currency $.35 (per strap)
Temporary Checks $.50 (each)
Verification of Deposit $5.00
Wire - Outgoing Domestic $20.00
Zipper Bag $3.00
Free Services
ATM PIN Replacement
ATM Point of Sale Transaction
ATM transactions at UFCU Owned machines and Austin and Galveston Alliance ATMs
Bill Pay
Debit Card/ATM Account Overdraft Transfer (savings, checking, money market, and line-of-credit)
Online Banking
Letter of Guarantee
Loan Amortization Schedule
Loan Application
Non Sufficient Funds
Notary Public Service
Phone Banking
Signature Guarantee
US Savings Bond EE/E Redemption
Debit Card Instant Issue
Debit Card PIN Replacement
Debit Card Point of Sale Transaction
Wire - Incoming Domestic/International

Fees subject to change

Fees could reduce earnings on account.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

* UFCU complies with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Deposits at UFCU are federally insured by the National Credit Union Administration. Please be aware that rates are subject to change without notice. Dividends are based on UFCU's earnings and cannot be guaranteed. We may impose a penalty for early withdrawal of certificate of deposits.

** Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. UFCU has contracted with CFS to make non-deposit investment products and services available to credit union members.

Available at our Mueller location.