|Vehicle Loan||Available Terms||APR*|
|New Automobiles, Trucks, Vans||up to 84 months||as low as 3.25%*|
|Used Automobiles, Trucks, Vans||up to 72 months||as low as 3.50%*|
|New/Used RV's & Boats||up to 180 months||6.00%*|
|New/Used Motorcycles, ATV's&Watercrafts||up to 66 months||5.25%*|
|Personal Loans & Lines of Credit||Available Terms||APR*|
|Certificate Secured Loan
100% of Certificate
|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||10.00% to 22.00%**|
|Credit Cards||Revolving||6.90% to
*APR = Annual Percentage Rate. Rates subject to change at any time. Please call to obtain current rate information. Rate includes a .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. Twenty-five 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.