Deposit Rates
Account
Minimum
Annual Percentage Yield
Shares
$5
0.10%
Checking
$0
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Money Market
$0 - $1,999.99
0.10%
Money Market
$2,000.00 - $39,999.99
0.25%
Money Market
$40,000.00 and up
0.30%
Holiday Club
$0
0.10%
Vacation Club
$0
0.10%
Individual Retirement Account
Annual Percentage Yield
0.50%
1.25%
1.50%
1.50%
1.50%
*APY = Annual Percentage Rate. Minimum account balances are as follows: Savings - $5.00, Money Market - $2,000, Share Certificates - $500 (excluding special offers), IRAs: $500 for Accumulation account, $500 for 1 Year term, 2 Year Term, 3 Year Term and 5 Year Term. Rates listed are subject to change without notice. Transaction Limits: $500 withdrawal minimum on Money Market. Fees could reduce the earnings on the account.
Certificate Rates
Term
Minimum
APY*
91 Days
$500
0.50%
6 Month
$500
1.00%
1 Year
$500
1.25%
2 Year
$500
1.50%
3 Year
$500
1.50%
5 Year
$500
1.50%
Early Withdrawal Penalties on Certificates of Deposit (CD):
- CDs 12 month or less, the penalty will remain at 90 days of interest whether earned or not.
- CDs greater than 12 months, but less then 5 years the penalty will be 180 days of interest whether earned or not.
- CDs 5 years or greater, the penalty will be 365 days of interest whether earned or not.
When you purchase a Certificate of Deposit (CD) you agree with University Credit Union, to keep your funds on deposit for the term of the CD. Each time you make an early withdrawal of principal, University Credit Union may charge you an early withdrawal penalty. If your account has not earned enough interest to cover an early withdrawal penalty, University Credit Union will deduct any interest first and take the remainder of the penalty from your principal.
Loan Rates
New & Used (up to 75k miles) Car Loan Rates
Term | FAM Annual Percentage Rate | Annual Percentage Rate |
|---|---|---|
Up to 36 months | As low as 3.99% * | As low as 9.99% ** |
48 months | As low as 3.99% * | As low as 9.99% ** |
60 months | As low as 3.99% * | As low as 9.99% ** |
72 months | As low as 3.99% * | As low as 9.99% ** |
78 months | As low as 3.99% * | As low as 9.99% ** |
84 months | As low as 3.99% * | As low as 9.99% ** |
* Credit criteria apply.
*Full Active Membership (FAM) is required to obtain the lowest promotional rate. The 3.99% APR promotional rate is available exclusively to qualifying individuals affiliated with Florida International University (FIU), the University of Miami (UM), and St. Thomas University. For all other eligible borrowers, the lowest potential rate is 4.99% APR. Full Active Membership qualifications include no previous losses to University Credit Union, accounts in good standing, full direct deposit of payroll (partial deposits do not qualify), an active checking account at University Credit Union, and automatic loan payments established from that checking account. FAM rates for individuals with lower eligible credit scores may be offered at rates as low as 9.99% APR. Other rates and terms may apply, and the actual rate offered may vary based on the applicable loan program, repayment term, credit profile, and other underwriting factors.
UCU membership is required with a minimum $5.00 balance in savings. Member must reside in a state within UCU’s lending area. Current UCU accounts must be in good standing, have no restrictions, and all UCU loans must be paid to date. Rates, terms, and offers are subject to change without notice. Vehicles must be model year 2020 or newer and have no more than 75,000 miles. Other conditions may apply.
Standard Rate: The standard rate is dependent on multiple factors, including credit score, term, loan amount, loan-to-value, collateral type, and overall creditworthiness. Rates offered may vary based on these factors and individual underwriting considerations. Maximum vehicle mileage is 75,000. Other conditions may apply.
Auto Loan Example: A $20,000 loan at 9.99% APR with a 72-month term would require approximately 72 monthly payments of $372.05. Automobile Vehicle Loans: New automobiles are defined as the current model year and previous model year. Loan-to-value is based on MSRP or purchase price for new vehicles and JD Power retail value, adjusted for applicable options and mileage, for used vehicles. Model-year restrictions apply to 84-month terms on used vehicles with up to 75,000 miles. Used automobiles must be eight model years old or newer. Other conditions may apply.APR = Annual Percentage Rate. Rates shown represent the lowest potential rates currently offered for the applicable borrower category. The 3.99% APR promotional rate is limited exclusively to qualifying FIU, UM, and St. Thomas University individuals who meet applicable eligibility and Full Active Membership requirements. For all other eligible borrowers, the lowest potential rate is 4.99% APR. Actual rates are based on credit profile, vehicle year, loan term, loan-to-value, and other underwriting criteria. Credit criteria apply. Rates are fixed for the term of the loan. Rates, terms, and offers are subject to change without notice. Not all applicants will qualify for the lowest available rate. Lowest rates assume excellent borrower credit history. Other eligibility requirements and conditions may apply.
Other Vehicle Loan Rates
Loan Type | Term | Annual Percentage Rate |
|---|---|---|
New Motorcycle | Up to 84 months | As low as 7.99%* |
New Boat 100% (Max $250,000) | Up to 240 months | As low as 7.99% * |
New Camping Trailer or Motor Home (Up to $250,000) | Up to 180 months | As low as 7.99%* |
* Credit criteria apply.
*Full Active Membership (FAM) is required to obtain the lowest rate of 4.99%. Full Active Membership qualifications include no previous losses to the credit union, accounts in good standing, full direct deposit of your payroll (partial deposits do not qualify), an active checking account at University Credit Union, and automatic payments set up from that checking account. (FAM) rates for individuals with lower eligible credit scores are offered as low as 6.99% APR. Other rates and terms may apply, and your rate may differ based on the loan program, term of repayment and other factors. UCU membership required with $5.00 minimum in savings. Member must reside in a state within UCU lending area. Rates and offers are subject to change without notice. Current UCU accounts must be in good standing, not have any type of restrictions, and UCU loans paid to date. Max vehicle mileage is 75,000. Other conditions may apply.
**Standard Rate is dependent on multiple factors including credit score, term, loan amount, loan to value, collateral type, and overall creditworthiness. Rates offered in the lobby may vary based on these factors and individual underwriting considerations. Max vehicle mileage is 75,000. Other conditions may apply.
Auto Loan Example: $15,000 loan at 7.99% APR with 60 monthly payments of approximately $296.00
Boat Loan Example: $20,000 loan at 7.99% APR with 60 monthly payments of approximately $405.00
Automobile vehicle loans: New automobiles equal current year and previous year. Loan to values based on MSRP or purchase price on new vehicles or the JD Power retail value +/- options and mileage on used vehicles. Model year restrictions apply to 84-month term on used vehicles up to 75,000 miles. Used auto equals 8 years old or newer. Other conditions may apply.
APR = Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Rates are available based upon your credit profile, year of vehicle and loan terms. Credit criteria apply. Rates are fixed for the loan. Rates, terms and offers are subject to change without notice. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply.
Personal Loan Rates
Loan Type | Term | Annual Percentage Rate |
|---|---|---|
Personal Fixed Loan | Up to 60 months | As low as 15.99% ** (Max $20,000) |
Certificate Secured Loan | Up to 60 months | 5.5% over share/certificate rate (Max. $100,000) |
Share Secured Loan | Up to 24 months | 5.5% over share/certificate rate (Max. $100,000) |
* Credit criteria apply.
*Share Secured Loan Example: $10,000 loan at 5.50% APR with 60 monthly payments of approximately $191.01
*CD Secured Loan Example: $10,000 loan at 5.50% APR with 36 monthly payments of approximately $301.96
*Personal Loan Example: $10,000 loan at 15.99% APR with 60 monthly payments of approximately $243.13
Rates, Terms and Offers are subject to change without notice. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply.
**As low as rate includes applicable discounts of Premier Member(.15%), Existing Direct Deposit (.25%), Automatic Payment(.25%), Existing Auto Loan with Credit Union(1.00%), Rates are fixed for the term of the loan.
Mastercard Credit Card Rates
Mastercard Classic
Revolving
15.99% * (Max $10,000)
Mastercard Gold
Revolving
15.99% * (Max $20,000)
Mastercard Platinum
Revolving
15.99% * (Max $30,000)
Mastercard Secured
Revolving
9.0% (Max $10,000)
* Credit criteria apply.
Monthly University Credit Union loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. Monthly payment amount based upon maximum term. Quoted rates and terms shown may not apply to every borrower. All Credit Union loans are subject to approval and are granted based on individual creditworthiness, the ability to repay and your credit score. Terms and Rates are subject to change.