Rates

Loan Rates

Loan Type

up to 48 Months

60 Months

72 Months

84 Months

96 Months

New
Vehicle*

as low as 5.75%

as low as 6.24%

as low as 6.50%

as low as 7.00%

as low as 7.49%

Used
Vehicle*

as low as 6.50%

as low as 6.75%

as low as 7.25%

as low as 7.75%

N/A

New
Boat, RV*

as low as 6.24%

as low as 6.24%

as low as 6.50%

as low as 7.00%

as low as 7.50%

Unsecure
Personal*

as low as 9.00%

as low as 9.25%

N/A

N/A

N/A

*Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account.

Share Certificates

What is a certificate of deposit?
Why should I put money in a certificate of deposit?
Can I open an account?

Account Type Interest Rate* Minimum Balance To Open Minimum Balance For APY APY** Compounded/Credited
6 Months 4.17% $500 $500 4.25% Monthly/Monthly
12 Months 4.18% $500 $500 4.25% Qrtly/Qrtly
18 Months 4.18% $500 $500 4.25% Qrtly/Qrtly
24 Months 3.94% $500 $500 4.00% Qrtly/Qrtly
36 Months 3.94% $500 $500 4.00% Qrtly/Qrtly
60 Months 2.97% $500 $500 3.00% Qrtly/Qrtly

*APR = Annual Percentage Rate
**APY=Annual Percentage Yield

Disclosure of Account Terms

Account Type Minimum Balance For APY Compounded/Credited Interest Rate APY
Share (Savings) $25.00 Qrtly/Qrtly 0.35% 0.35%
Share Draft (Checking) $25.00 Qrtly/Qrtly 0.10% 0.10%
Money Market
 $500      -$24,999.99
 $25,000 -$74,999.99
 $75,000 -$149,999.99
 $150,000 and up

$500.00
$25,000.00
$75,000.00
$150,000.00


Monthly/Monthly
Monthly/Monthly
Monthly/Monthly
Monthly/Monthly
 

0.80%
0.90%
1.09%
1.39%

0.80%
0.90%
1.10%
1.40%
Christmas Club $25.00 Qrtly/Qrtly 0.35% 0.35%
Vacation Club $25.00 Qrtly/Qrtly 0.35% 0.35%
Tax Club $25.00 Qrtly/Qrtly 0.35% 0.35%

APY = Annual Percentage Yield

IRA (Individual Retirement Account)

Account Type Minimum Balance To Open Rate(apr) Yield(apy) Minimum Balance For APR Compounded/Credited
Variable IRA
Savings
None 4.17% 4.25% $25.00 Qrtly/Qrtly
1 Year IRA
Certificate
$500 4.18% 4.25% $500 Qrtly/Qrtly
3 Year IRA
Certificate
$500 3.94% 4.00% $500 Qrtly/Qrtly
5 Year IRA
Certificate
$500 2.97% 3.00% $500 Qrtly/Qrtly

APY = Annual Percentage Yield