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    • Home
    • Access
      • Checking Accounts
      • ELAN Mastercard
      • Online Banking
      • Savings Accounts
      • Share & Certificate Rates
      • Consumer Alerts
    • Borrow
      • Loan Rates
      • Promotions & Specials
      • Auto Loans
      • Personal Loans
    • Benefits
      • Carfax
      • Auto Deductible Coverage
      • Scholarships
      • Overdraft Protection
      • GAP Insurance
      • ATM Locations
      • Auto Breakdown Coverage
      • Matilda Automated Teller
    • Contact
  • Home
  • Access
    • Checking Accounts
    • ELAN Mastercard
    • Online Banking
    • Savings Accounts
    • Share & Certificate Rates
    • Consumer Alerts
  • Borrow
    • Loan Rates
    • Promotions & Specials
    • Auto Loans
    • Personal Loans
  • Benefits
    • Carfax
    • Auto Deductible Coverage
    • Scholarships
    • Overdraft Protection
    • GAP Insurance
    • ATM Locations
    • Auto Breakdown Coverage
    • Matilda Automated Teller
  • Contact

Low-Interest Loan Rates Effective September 2023

Auto Loans

New Auto

6.00% APR

100% of Purchase Price

New Auto

7.00% APR

110% of Purchase Price

Used Auto

7.00% APR

4 Years or Newer

Used Auto

8.00% APR

5 Years to 20 Years 


Motorcycle Loans

New Motorcycle

6.00% APR

100% of Purchase Price

Used Motorcycle

7.00% APR

Low Retail Value

Used Motorcycle

8.00% APR

5 Years to 20 Years Old

Recreational Vehicles

New Recreational Vehicle

7.50% APR

1-60 Months

100% of Purchase Price


New Recreational Vehicle

8.00% APR

61-84 Months

100% of Purchase Price

Used Recreational Vehicles

8.25% APR

Up to 60 Months


Boat Loans

New Boat

7.50% APR

100% of Purchase Price

Used Boat

8.25% APR

Low Retail Value

Signature Loans

11.00% APR

1-18 Months

10% Shares pledge on amount borrowed



13.75% APR

19-36 months

10% Shares pledge on amount borrowed

$10,000 cap on signature loans


Term Notes

Not on new vehicles

14.00% APR

No account relationship discount


2nd Mortgage Loans

5 Years

7.00% APR

80% loan to value

No account relationship discount

10 Years

8.25% APR

80% loan to value

No account relationship discount

15 Years

8.50% APR

80% loan to value

No account relationship discount


Share Pledge Loans

3.00% APR

No account relationship discount


CD Pledge Loans

2.00% APR

Above the current share rate. No certificate secured loan will be granted at a rate less than the established floor of 3%. No account relationship discount. 


Other Secured Loans

9.50% APR

Account relationship Discounts

.25%  off loan rate interest if member has good share draft account with 3 months history.

.25%  off loan interest rate if you are a member in good standings for at least 3 years.

.50% off loan interest rate for repayment by direct deposit/allotment.


Maximum account relationship discount 1.00% off loan interest rate.


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United Credit Union

1900 W Broadway Council Bluffs, Iowa 51501

712.322.0841

Copyright © 2020 United Credit Union 

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