Effective Date:
 date only

 Account

 Min. to Open

 Min. to Earn Dividends

 Dividend Rate

 APY*

 Regular Share

 $5

 $100

 0.25%

 0.25%

 IRA Share

 $25

 $100

 0.25%

 0.25%

 Holiday Club

 $25

 $100

 0.34%

 0.35%

 Money Fund 5

 $2,500

 $2,500

 0.29%

 0.30%

 Money Fund 9

 $10,000

 $10,000

 0.34%

 0.35%

 Celebrity & Premier Share Draft

 $0

 $100

 0.15%

 0.15%

 Universal Share Draft

 $0

 $0

 N/A

 N/A

 Celebrity Money Market

 $50,000

 $50,000

 0.39%

 0.40%



 Share Certificates

 Min. to Open

 Min. to Earn Dividends

 Dividend Rate

 APY*

 3-Month

 $500

 $500

 0.29%

 0.30%

 3-Month

 $50,000

 $50,000

 0.39%

 0.40%

 6-Month

 $500

 $500

 0.34%

 0.35%

 6-Month

 $50,000

 $50,000

 0.44%

 0.45%

 12-Month

 $500

 $500

0.49%

 0.50%

 12-Month

 $50,000

 $50,000

 0.59%

 0.60%

 24-Month

 $500

 $500

 0.74%

 0.75%

 24-Month

 $50,000

 $50,000

 0.84%

 0.85%

 36-Month

 $500

 $500

0.99%

1.00%

 36-Month

 $50,000

 $50,000

 1.09%

 1.10%


 

 IRA / Roth IRA / Coverdell E.S.A.

Term                          Min to Open     Min to earn Div    Dividend Rate             APY*

 1-Year

 $500

 $1,000

 0.49%

0.50%

 2-Year

 $500

 $500

074%

 0.75%

 3-Year

 $500

 $500

 0.99%

 1.00%

*Annual Percentage Yield 

LOAN RATES

 Vehicle Loan

 Available Terms

 APR*

 New Automobiles, Trucks, Vans

 up to 84 months

2.74*

 Used Automobiles, Trucks, Vans

 up to 72 months

4.99%*

 New/Used RV's & Boats

 up to 180 months

 7.75%*

 New/Used Motorcycles, ATV's & Watercrafts

 up to 60 months

 7.75%*

*APR = Annual Percentage Rate. Rates subject to change at any time.  Please call to obtain current rate information.

*Rates include 0.25% discount for Automatic payment from your UCSCU account. Certain conditions and restrictions apply. Final rate is based on credit worthiness and term of the loan. Maximum vehicle loan financing includes tax, title, license, Mechanical Repair Coverage, Credit Life and Disability Insurance. Not all members will receive the lowest interest rate. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. All rates and terms are subject to change without notice.

** No annual fee. 25 day grace period on all purchases. No Cash advance fee. Minimum payment is 2.5% of outstanding balance or $25 Maximum Credit Line is $20,000.

 

Personal Loans & Lines of Credit

Available Terms

APR*

Certificate Secured Loan
100% of Certificate
($500 minimum)

Up to 48 months. Prior to Certificate Maturity

Certificate Rate +3%

Share Secured Loan
100% of Share Account ($500 minimum)

Up to 60 Months

Dividend Rate +3%

Signature Loan

 Up to 60 Months

12.00% to 24.00%**

Credit Cards

Revolving

6.90% to
18.00%**

*APR = Annual Percentage Rate. Rates subject to change at any time.  Please call to obtain current rate information.

*Rates include .25% discount for Automatic payment from your UCSCU account. Certain conditions and restrictions apply. Final rate is based on credit worthiness and term of the loan. Maximum vehicle loan financing includes tax, title, license, Mechanical Repair Coverage, Credit Life and Disability Insurance. Not all members will receive the lowest interest rate. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. All rates and terms are subject to change without notice.

** No annual fee. 25 day grace period on all purchases. No Cash advance fee. Minimum payment is 2.5% of outstanding balance or $25 Maximum Credit Line is $20,000.

 Real Estate Loans

First Trust Deeds

  • Available for owner-occupied properties, and for refinancing
  • 10 yr - 30 yr loans with fixed or
    adjustable rates available.

    Please call for current rate

2nd Trust Deeds

  • Available for owner-occupied properties
  • Borrow up to 90% of your home's equity at   a low fixed rate

    Please call for current rate

 Home Equity Lines of Credit

  •  Available for occupied properties.
  • Low closing cost, and competitive rates available.

Please call for current rate.



Your savings are federally insured to $250,000 by the National Credit Union Administration, a U.S. Government Agency