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Rates

  • Loans EFFECTIVE Tuesday, January 31, 2023
    Loan Type APR as low as Maximum Term* Info
    New Vehicle 5.00% 84 months Vehicle that is 2021 or newer and with 40,000 or less miles.
    Used Vehicle 1 5.15% 72 months 2013-2020 or 2021+ with over 40,000 miles.
    Used Vehicle 2 6.99% 60 months 2012 or older or any vehicle with over 100,000 miles.
    New RVs 6.75% 120 months 2021 or newer.
    Used RVs 7.75% 120 months 2020 or older.
    New Boats/Watercraft 6.95% 84 months 2021 or newer.
    Used Boats/Watercraft 7.95% 84 months 2020 or older.
    Motorcycles 6.95% 84 months New and used.
    ATV/UTV/Utility Trailer 6.95% 84 months New and used.
    VISA Credit Card 11.25% Rates as low as 11.25% based on qualifications.
    Personal Loan 12.00% 72 months
    Lines of Credit 11.00%
    Share and CD Secured Loans 4.00% Minimum rate on share loan 4.00%. Minimum rate on CD loan 5.75%.
    Credit Builder 12.30% 24 months Secured loan to build credit.
    Home Equity Line of Credit Contact us for more information!
    Mortgage Loans Contact us for more information!
    Rates above are displayed as APR=Annual Percentage Rate.  Subject to credit approval.  Rate may vary based on individual.  United Trades FCU reserves the right to discontinue or modify rate offers at any time.  Other restrictions may apply.
    *The maximum term is subject to loan amount and borrower qualifications.
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  • Share EFFECTIVE Thursday, December 1, 2022
    Account Type Dividend Rate APY Minimum Balance to earn dividend rate Minimum Opening Balance
    Regular Owner Shares 0.10 0.10 $100.00 $5.00
    0.15 0.15 $10,001.00
    0.20 0.20 $50,001.00
    Holiday Club 0.10 0.10 $5.00
    IRA Shares 0.05 0.05 $100.00 $100.00
    0.15 0.15 $25,000.00
    0.25 0.25 $50,000.00
    UA Checking 0.00 0.00 $25.00 $25.00
    eMoney Call for rates and details
    Market Checking 0.50 0.50 $2,000.00 $2,000.00
    0.60 0.60 $10,000.00
    0.75 0.75 $25,000.00
    Federally insured by NCUA. *APY=Annual Percentage Yield.  United Trades FCU reserves the right to discontinue or modify rate offers at any time.  Penalties apply for early withdrawals from certificates.  Other restrictions may apply.
  • Certificates EFFECTIVE Tuesday, January 31, 2023

    Our certificates provide a worry-free way to earn more with your money. You choose the term and amount then simply watch your money work for you.

    Certificate Type Dividend Rate/APY Minimum Deposit
    Share Call or Login to Online Banking for Rates $1,000.00
    Bump Share Call or Login to Online Banking for Rates $5,000.00
    Youth Kitty Club Call or Login to Online Banking for Rates $25.00
    Coverdell ESA Call or Login to Online Banking for Rates $50.00
    IRA Call or Login to Online Banking for Rates $2,000.00
    Federally insured by NCUA. *APY=Annual Percentage Yield.  United Trades FCU reserves the right to discontinue or modify rate offers at any time.  Penalties apply for early withdrawals from certificates.  Other restrictions may apply.
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