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Loan Rates

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Providing Low Rates is Our Highest Priority

Scroll down to view current personal and business loan rates.


Auto Loans

UCCU provides low rates and flexible terms on every vehicle loan.


*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


RV Loans

UCCU  RV  Buying Experts are at work in every branch, ready to deliver low rates, and up  to 100% financing and 144 months (that’s 12 years!) on new and used Recreational Vehicles. 


*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Motorcycle / Scooter Loans

UCCU provides up to 100% financing and 72 months on a new and used motorcycle loan


*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Visa Credit Cards

Get the credit you deserve.


*Annual Percentage Rate=APR. Some restrictions may apply. Offer is subject to change without notice. On approved credit. Membership eligibility required. Federally insured by NCUA. Click here to view UCCU’s Visa Line of Credit Disclosure. Click here to view UCCU’s Visa Cardholder Agreement. Click here to view UCCU’s 4-3-2-1 Cash Rewards Card details.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Personal Loans

Referred to as a “signature loan,” a Personal Loan from UCCU requires no collateral or application fees.


*APR = Annual Percentage Rate. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify.


Checking Protection

Checking Protection is a line of credit you can link to your checking account to provide the financial coverage you need if your balance is too low to complete a transaction. 


*APR = Annual percentage rate. Low-rate variable APR ranges from 12.99% to 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. Federally insured by NCUA. Click for Checking Protection Rate & Fee Disclosure.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Home Equity Lines of Credit

At UCCU, every HELOC comes with no origination fees and no closing costs.


*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.

Low Payment Variable Rate Home Equity LOCs

Fixed Rate Home Equity LOCs

Home Equity 15 Year

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 1.99% introductory fixed rate for 6 months, 3.50% variable APR (Prime + 0.25%). For loans greater than 80% LTV (loan-to-value) the variable APR is 4.49% (Prime + 1.24%). Property insurance is required. Interest rate will not vary above 18.00% or below 3.50%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Home Equity 20 Year

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 3.99% variable APR (Prime + 0.74%). For loans greater than 80% LTV (loan-to-value) the variable APR is 4.99% (Prime + 1.74%). Property insurance is required. Interest rate will not vary above 18.00% or below 3.99%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Home Equity FlexPay

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 4.00% variable APR (Prime + 0.75%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.00%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Home Equity Fixed for 5 Years

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 3.50% variable APR (Prime + 0.25%). Property insurance is required. Interest rate will not vary above 18.00% or below 3.50%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Home Equity Fixed for 7 Years

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 3.75% variable APR (Prime + 0.50%). Property insurance is required. Interest rate will not vary above 18.00% or below 3.75%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Home Equity Fixed for 10 Years

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 4.00% variable APR (Prime + 0.75%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.00%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Home Equity Fixed (2nd Lien Position)

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 4.50% variable APR (Prime + 1.25%). For loans greater than 80% LTV (loan-to-value) the variable APR is 5.25% (Prime + 2.00%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.50%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.


Mortgage Loans

Traditional loans with fixed payments and low rates.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.

*Payments are based on a $250,000 loan on a $420,000 property in Utah county, UT. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. The values shown assume the loan is for the refinance of a single family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher. Click here for 30 year fixed conventional. Click here for 15 year fixed conventional. Click here for 30 year fixed FHA.


Business & Commercial Loan Rates

Commercial Vehicle Loans

From buying a single vehicle to building an entire fleet, UCCU’s Commercial Vehicle Buying Experts are ready to provide your business with low rates and flexible terms on every business vehicle loan.

Learn More

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Business Visa Credit Cards

Low rates, cash back, and other advantages to
help support and grow your business.

Learn More

*Annual Percentage Rate=APR. APR will not exceed 18.00%. 1% foreign transaction fee. Click to view the business credit card rate & fee disclosure. Click to view the visa cardholder agreement. Click to view the 4321 card rewards card details. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. Some restrictions may apply. Membership eligibility required. Federally insured by NCUA.

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Business Checking Protection

Business checking protection line of credit will automatically provide the coverage your business needs to complete a transaction whenever there are insufficient funds in your account. 

Learn More

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.


Business Loans

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Actual rate may increase based upon borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.

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