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Loan Rates

Rates and Terms listed are subject to change without notice. Fees could reduce the earnings on the account.

(APR=Annual Percentage Rate)

Loan Type Term APR

Certificate Secured Loan

Up to 60 months

3% over share/certificate rate (Max. $100,000)

Share Secured Loan

Up to 24 months

3% over share/certificate rate (Max. $100,000)

Signature Fixed Loan

Up to 60 months

As low as *9.2% (Max $20,000)

Signature Line of Credit

Revolving

As low as *9.2% (Max $20,000)

Mastercard Classic

Revolving

*13.2% (Max $10,000)

Mastercard Gold

Revolving

*10.9% (Max $20,000)

Mastercard Platinum

Revolving

*8.9% (Max $30,000)

Mastercard Secured

Revolving

9.0% (Max $10,000)

* Credit criteria apply.  

 

 

 

Vehicle Loans

New Car Loans

Term

APR

Up to 36 months

As low as *2.49%

48 - 66 months

As low as *2.74%

72 months1

As low as *3.24%

78 months1

As low as *3.74%

84 months1

As low as *4.74%

*Credit criteria apply. Rates are fixed for the term of the loan. $25,000.00 minimum

Used Car Loans

 
Term
Model Year
APR

Up to 36 months

2010 - 2018

As low as *2.99%

48 - 54 months

2011 - 2018

As low as *3.24%

60 months

2012 - 2018

As low as *3.99%

66 months

2015 - 2018

As low as *3.99%

72 months1 2017 - 2018 As low as *4.49%
75 months1 2017 - 2018 As low as *4.99%

*Credit criteria apply. Rates are fixed for the term of the loan.  $25,000.00 minimum

 

 

 

Other Vehicles

Loan Type

Term

APR

New Motorcycle
(Min $5,000/Max $30,000)

Up to 84 months

As low as *5.75%

New Boat 100%

(Max $250,000)

Up to 120 months

As low as *5.75%

New Camping Trailer or Motor Home

(Up to $250,000)

Up to 120 months

As low as *5.75%

* Credit criteria apply.  Rates are fixed for the term of the loan.

Real Estate Secured Loans

Fixed Rate Home Equity Loan

Loan to Value/Term

Fixed APR

Up to 80% LTV (Term 5-9 Years/Max $250,000)1

As low as *4.25%

Up to 80% LTV (Term 10-14 Years/Max $250,000)1

As low as *5.25%

Up to 80% LTV (Term 15 Years/Max $250,000)1

As low as *5.75%

* Based on loan amount.  Credit criteria apply.  Rates are fixed for the term of the loan.
1 Higher amount might be considered.

Home Equity Line of Credit

Loan to Value/Term Variable APR

Up To 80% LTV (Term 20 Years/Max $250,000.00)1

As low as *5.25%

* Based on loan amount. Credit criteria apply.
1 Higher amount might be considered.
 


Monthly University Credit Union loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term.

Copyright © 2018 University Credit Union  13241 S.W. 136 St, Miami, FL 33186