See and compare current loan and savings rates.
Loan and Savings Rates
Latest Loan Rates
Auto Loans
UCCU provides low rates and flexible terms on every vehicle loan.
Disclosures:
*ANNUAL PERCENTAGE RATE (APR). 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. **84 month financing available for loan amounts over $20,000.
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.
Disclosures:
*ANNUAL PERCENTAGE RATE (APR). 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.
Motorcycle / Scooter Loans
UCCU provides up to 100% financing and 72 months on a new and used motorcycle loan
Disclosures:
*ANNUAL PERCENTAGE RATE (APR). 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.
Visa Credit Cards
Get the credit you deserve.
Disclosures:
*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.
Personal Loans
Referred to as a “signature loan,” a Personal Loan from UCCU requires no collateral or application fees.
Disclosures:
*ANNUAL PERCENTAGE RATE (APR). 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.
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.
Disclosures:
*The variable Annual Percentage Rate (APR) is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the 15th day of the month prior to any annual percentage rate adjustment.
To determine the annual percentage rate that will apply to your account, we add a margin to the value of the Index. The margin you will receive is based on your credit worthiness. if the rate is not already rounded we then round up to the next .25%
* ANNUAL PERCENTAGE RATE (APR). Late payment fee is $25.00. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Learn More
Real Estate
Home Equity Lines of Credit
At UCCU, every HELOC comes with no origination fees and no closing costs.
Disclosures:
*Annual Percentage Rate may vary. Maximum APR 18.00%. Limited to residential owner-occupied homes located in the state of Utah. APR = Annual Percentage Rate. Equal Housing Lender. NMLS #407653. These plans have a variable rate feature and the APR and minimum payment may change as a result. The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. To determine the annual percentage rate that will apply to your account, we add a margin to the value of the Index. The margin you will receive is based on your creditworthiness and loan-to-value.
Mortgage Loans
Traditional loans with fixed payments and low rates.
See our Mortgage Rates on our Mortgage & Home Loans Page
Business
Commercial Vehicle Loans
From buying a delivery bike to building an entire fleet of vehicles, UCCU’s Commercial Vehicle Buying Experts are ready to provide your business with low rates and flexible terms on every business vehicle loan.
Business Visa Credit Cards
Low rates, cash back, and other advantages to
help support and grow your business.
Disclosures:
*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 Cardholder Agreement. Click here to view UCCU’s Visa Line of Credit Disclosure. Click here to view UCCU’s 4-3-2-1 Cash Rewards Card details.
Business Checking Protection
Checking Protection is an overdraft line of credit will automatically provide the coverage your business needs to complete a transaction whenever there are insufficient funds in your account.
Business Loans
Traditional Business Savings
Truly free business savings, with no monthly fees and up to five different suffixes (or sub-accounts) that make planning and saving less complicated and more convenient.
Business Savings Certificates
Savings
Share Savings
Federally insured by NCUA, a UCCU Share Savings account enables you to make deposits or withdrawals at any time, while your savings earn daily interest that’s paid to you every month.
Disclosures:
*Every member of the credit union is required to maintain a Share Savings Account with a minimum deposit and balance of $5.
Money Market Savings
With higher interest rates than traditional savings accounts and the ability to make up to six free withdrawals a month, a Money Market account is an ideal option for anyone looking for a flexible way to grow their savings.
IRA
Investment accounts with financial advantages for your future.
Savings Certificates
A savings account that’s committed to working harder and earning more.
Youth Savings
Youth BeMoneySmart Money Market Savings
Youth Money Market accounts pay high money market yields at lower balances, making them perfect for young savers.
Youth BeMoneySmart Savings Certificates
Introduce your child to the idea of earning more, while enjoying the flexibility of penalty-free withdrawals the first week of each quarter.
TRUTH-IN-SAVINGS DISCLOSURES:
Except where specifically described, the following disclosures apply to all of the accounts:
Rate Information – The dividend rates for all Savings, Checking, IRA, and Savings Certificate accounts are determined at the discretion of the board of directors. Savings, Plus Savings, Money Market Savings, Youth Savers, IRA, and Checking accounts are tiered rate accounts. The dividend rate and annual percentage yield applicable to these accounts depends on the balance ranges set forth herein. Once a balance range is met, the dividend rate and annual percentage yield for that range will apply to the full balance of your account. For Savings, Plus Savings, and Checking accounts, the dividend rate and annual percentage yield may change monthly. For Money Market Savings, IRA, and Youth Savers accounts, the dividend rate and annual percentage yield may change daily. For Savings Certificate accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. The dividend rates and annual percentage yields are accurate as of the date set forth herein.
Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Compounding and Crediting – Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The dividend period begins on the first calendar day of each month and ends on the last calendar day of the month. The dividend declaration rate is the same as the ending date of the dividend period. If you close your account before dividends are paid, you will not receive the accrued dividends.
Dividend Computation – For Savings, l Plus Savings, l Checking, and Savings Certificate accounts, dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. For the Money Market, IRA, and Youth Savers accounts, dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account.
Minimum Balance Requirements – The minimum balance requirements to open an account and to obtain the disclosed annual percentage yield are set forth herein.
Account Limitations – For Money Market and Youth Savers accounts, transaction limitations will apply. No more than six preauthorized, automatic or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed these limitations, your accounts may be subject to a fee or be closed. For Savings and Checking, no transaction limitations apply. Bylaw Requirements – You must complete payment of one share into your Savings account as a condition of admission to membership. The par value of a share is $5.00. If at any time your balance falls below the par value of one share and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.
Savings Certificate:
If Certificate funds other than dividends are withdrawn prior to maturity, a PENALTY will be assessed. The forfeiture of dividends is equal to the smaller of the following two amounts: dividends since the date of issuance or renewal, OR 180 days’ dividends. But if the amount withdrawn reduces the balance below the minimum balance for this type of Certificate it will be cancelled and the same forfeiture terms will apply. Add-on certificates max is $100,000.00.
The Certificates will be automatically renewed at Maturity at the then prevailing interest rate (unless presented for payment by the register owner(s) within 10 calendar days after maturity date).
In Mailing interest checks or giving any notice, Utah Community Credit Union may regard as correct the addresses shown by its records.
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