| Secured Loans |
| Effective Date: Wednesday, September 23rd, 2026 |
| Autos, Boats, RVs, Motorcycles, Etc. |
| Credit Score | Grade | APR* as low as |
| 740+ |
A+ |
4.49% |
| 690 - 739 |
A |
5.24% |
| 650-689 |
B |
6.29% |
| 610-649 |
C |
8.99% |
| 580-609 |
D |
14.29% |
| 579 & Below |
E |
17.04% |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
| Rates above include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 months. Longer terms available, please contact United for rate information. 1% will be added to the rate for non-titled vehicles such as ATVs/UTVs and equipment. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted. |
| Rates stated above are for 2025 and newer secured vehicle loans. |
$20,000 borrowed at 3.90% would result in a monthly payment of $367.49 for 60 months. To figure a payment, please e-mail a Member Service Representative.
| Unsecured Loans |
| Effective Date: Wednesday, September 23rd, 2026 |
| VISA Platinum and Lifestyle Loan |
| Credit Score | Grade | APR* as low as |
| 740+ |
A+ |
9.50% |
| 690-739 |
A |
11.50% |
| 650-689 |
B |
13.50% |
| 610-649 |
C |
15.50% |
| 580-609 |
D |
21.50% |
| 579 & LOWER |
E |
23.50% |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. |
| Share Secured Loan |
| 2% APR above current CD or Share Rate |
| APR |
| Varies |
| Mortgage Loans |
| Effective Date: Wednesday, September 23rd, 2026 |
| Type | Interest rates as low as |
| 5/1 ARM |
6.125% |
| 7/1 ARM |
6.500% |
| HELOC |
6.000% |
| HE Fixed |
7.490% |
| 10 Year Fixed |
6.625% |
| 15 Year Fixed |
6.750% |
| 20 Year Fixed |
7.625% |
| 30 Year Fixed |
7.625% |
| FHA |
6.875% |
| VA |
6.875% |
| USDA |
6.750% |
| Home Ready |
7.250% |
| Rates subject to change without notice. Interest rates shown are the lowest available rates and are subject to credit approval and underwriting guidelines. Actual rate and APR may vary based on creditworthiness, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Adjustable-rate mortgage (ARM) rates and payments may increase after the initial fixed-rate period. HELOC rates may be variable. Membership eligibility required. Interest rates do not include closing costs, prepaid finance charges, escrow requirements, or other fees that may increase the APR. Equal Housing Lender. NMLS #411940 |
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