Low-Interest Loan Rates Effective January 2023
Auto Loans
New Auto
100% of Purchase Price
New Auto
110% of Purchase Price
Used Auto
4 Years or Newer
Used Auto
5 Years to 20 Years
Motorcycle Loans
New Motorcycle
100% of Purchase Price
Used Motorcycle
Low Retail Value
Used Motorcycle
5 Years to 20 Years Old
Recreational Vehicles
New Recreational Vehicle
1-60 Months
100% of Purchase Price
New Recreational Vehicle
61-84 Months
100% of Purchase Price
Used Recreational Vehicles
Up to 60 Months
Boat Loans
New Boat
100% of Purchase Price
Used Boat
Low Retail Value
Signature Loans
1-18 Months
10% Shares pledge on amount borrowed
19-36 months
10% Shares pledge on amount borrowed
$10,000 cap on signature loans
Term Notes
Not on new vehicles
No account relationship discount
2nd Mortgage Loans
5 Years
80% loan to value
No account relationship discount
10 Years
80% loan to value
No account relationship discount
15 Years
80% loan to value
No account relationship discount
Share Pledge Loans
No account relationship discount
CD Pledge Loans
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
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.
United Credit Union
1900 W Broadway Council Bluffs, Iowa 51501
Copyright © 2020 United Credit Union
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