Pixel for iHeart Radio
Apply for a Loan

All Loan and Savings Rates

Abstract blurred office interior

Loan Rates


Auto Loans

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


Personal Watercraft Loans

Providing up to 100% financing and 60 months on new or used personal watercraft loans. Your UCCU Vehicle Buying Expert will get you pre-approved for a low rate before you start shopping. 


ATV Loans

An ATV isn’t just a toy; it’s a gateway to memories that last a lifetime. You can begin your adventure today. Contact us to learn more, or apply now and take the first step toward owning the ATV.


Boat Loans

Whether you’re purchasing a sleek motorboat for weekend adventures or a dependable fishing boat for quiet mornings on the water, we aim to make boat ownership accessible and stress-free.


Snowmobile Loans

Carving through snow-covered landscapes on your very own snowmobile? Whether you’re a seasoned rider or just starting, owning a snowmobile can unlock endless winter adventures. With our easy financing options, competitive rates, and flexible terms, you can bring your dream ride to life without delay.


Travel Trailer Loans

Providing up to 100% financing and 144 months (that’s 12 years!) on your new or used travel trailer loan, your UCCU Auto Buying Expert will get you pre-approved for a low rate before you start shopping.


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. 


Motorcycle / Scooter Loans

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


UTV Loans

providing up to 100% financing and 60 months on Utility Vehicle loans, your UCCU Auto Buying Expert will get you pre-approved for a low rate before you start shopping. 


Visa Credit Cards

Apply today to find out which card fits your lifestyle best and start enjoying the benefits of smart, straightforward credit.


Low Rate Visa Credit Card

Lower Interest Means Bigger Savings. Get our best rate available to save even more on everyday purchases.


4321 Everyday Cash Rewards Visa Credit Card

More cash back on the purchases you make the most like subscriptions, gas, and groceries.


4321 Travel Cash Rewards Visa Credit Card

Our most premium cash back credit card ever. Get cash back and other travel perks with this signature card.


Personal Loans

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


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. 


Credit Builder Loan

A loan designed for any 16 and older to build or rebuild credit. This loan program displays your ability to make consistent payments on time, over time to raise your credit score.

Learn More

Standard Home Equity Line of Credit

Interest-only Payment Option
6-month Introductory Fixed Rate
10-Year Draw Period


Initial Fixed Home Equity Line of Credit (Second Lien)

Provides a single rate that’s guaranteed not to change for the established fixed rate period.


Initial Fixed Home Equity Line of Credit (First Lien)

Provides a single rate that’s guaranteed not to change for the established fixed rate period.


Mortgage Loans

Traditional loans with fixed payments and low rates.

See our Mortgage Rates on our Mortgage & Home Loans Page


Savings Rates


Regular Savings

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.


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.


Savings Certificates

A savings account that’s committed to working harder and earning more.


IRA

Investment accounts with financial advantages for your future.

Learn More

Elevated Plus Checking

Our most premium checking account, paired with the most advanced and comprehensive banking tools available. Elevated Plus offers more savings, more benefits, and more online protections, plus dividends on your checking account!


Youth Money Market Savings

Youth Money Market accounts pay high money market yields at lower balances, making them perfect for young savers.

Learn More

Youth Savings Certificate Specials

Introduce your child to the idea of earning more, while enjoying the flexibility of penalty-free withdrawals the first week of each quarter.

Learn More

Business Loan Rates


Business Auto Loans

From buying a delivery bike to building an entire fleet of vehicles, UCCU’s Business Auto Buying Experts are ready to provide your business with low rates and flexible terms on every business vehicle loan.

Learn More

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.

Learn More

Business Credit Cards

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

Learn More

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


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. 

Learn More

Business Lines of Credit

Designed to provide the perfect amount of capital for your business.

Meet the Team

Business Term Loans

Designed to provide the perfect amount of capital for your business.

Meet the Team

Business Equipment Loans

Helping you fund for the equipment you need in your business including heavy equipment like dump trucks or excavators and much more.

Meet the Team

Business Share Secured Loans

Meet the Team

Business Savings Rates


Regular 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.

Learn More

Business Money Market Account

Enjoy higher interest rates than traditional savings accounts and unlimited monthly withdrawals for your business. This makes Money Markets an ideal option for any business looking to earn more money and provide continued flexibility to grow their savings.


Business Savings Certificates

Our highest earning interest rates are available through UCCU Business Savings Certificates. With rates much higher than a traditional savings account, you enable your savings to earn more for you. 


We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

Find a Location