Rates

Loan Rates

Loan Type

up to 48 Months

60 Months

72 Months

84 Months

96 Months
New
Vehicle*

as low as 4.49%

as low as 4.49%

as low as 4.99%

as low as 5.49%

as low as 6.49%
Used
Vehicle*

as low as 4.99%

as low as 4.99%

as low as 5.74%

as low as 6.49%

N/A
New
Boat, RV*

as low as 4.99%

as low as 4.99%

as low as 5.99%

as low as 5.99%

as low as 7.50%
Unsecure
Personal*

as low as 8.25%

as low as 8.75%

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 4.41% $500 $500 4.50% Monthly/Monthly
12 Months 4.43% $500 $500 4.50% Qrtly/Qrtly
18 Months 4.43% $500 $500 4.50% Qrtly/Qrtly
24 Months 4.67% $500 $500 4.75% Qrtly/Qrtly
36 Months 4.67% $500 $500 4.75% Qrtly/Qrtly
60 Months 4.67% $500 $500 4.75% 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
 
1.00%
1.24%
1.74%
1.98%
1.00%
1.25%
1.75%
2.00%
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 4.41% 4.50% $25.00 Qrtly/Qrtly
1 Year IRA
Certificate		 $500 4.43% 4.50% $500 Qrtly/Qrtly
3 Year IRA
Certificate		 $500 4.67% 4.75% $500 Qrtly/Qrtly
5 Year IRA
Certificate		 $500 4.67% 4.75% $500 Qrtly/Qrtly

APY = Annual Percentage Yield