* Final rate is based on credit worthiness & term of the loan
**Annual Percentage Yield
Effective Date: date only
DEPOSIT RATES
Account
Min. to Open
Min. to Earn Dividends
Dividend Rate
APY*
Regular Share
$5
$100
0.15%
0.15%
IRA Share
$25
$100
0.15%
0.15%
Holiday Club
$25
$100
0.34%
0.35%
Money Fund 5
$2,500
$2,500
0.19%
0.20%
Money Fund 9
$10,000
$10,000
0.24%
0.25%
Celebrity &PremierShare Draft
$0
$100
0.10%
0.10%
Universal Share Draft
$0
$0
N/A
N/A
Celebrity Money Market
$50,000
$50,000
0.29%
0.30%
Share Certificates
Min. to Open
Min. to Earn Dividends
Dividend Rate
APY*
3-Month
$500
$500
0.19%
0.20%
3-Month
$50,000
$50,000
0.29%
0.30%
6-Month
$500
$500
0.24%
0.25%
6-Month
$50,000
$50,000
0.34%
0.35%
12-Month
$500
$500
0.39%
0.40%
12-Month
$50,000
$50,000
0.49%
0.50%
24-Month
$500
$500
0.59%
0.60%
24-Month
$50,000
$50,000
0.69%
0.70%
36-Month
$500
$500
0.79%
0.80%
36-Month
$50,000
$50,000
0.89%
0.90%
IRA / Roth IRA / Coverdell E.S.A.
Term Min to Open Min to Earn Div Dividend Rate APY*
1-Year
$500
$1,000
0.39%
0.40%
2-Year
$500
$500
0.59%
0.60%
3-Year
$500
$500
0.79%
0.80%
* Annual Percentage Yield
LOAN RATES
Vehicle Loan
Available Terms
APR*
New Automobiles, Trucks, Vans
up to 84 months
1.99%*
Used Automobiles, Trucks, Vans
up to 72 months
2.99%*
New/Used RV's & Boats
up to 180months
5.24%*
New/Used Motorcycles, ATV's & Watercrafts
up to 66 months
5.24%*
*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
9.75% to 22.00%**
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.
