| Loan Type | Rates as low as | Terms/Information |
|---|---|---|
| Primary vehicle 10yrs or newer | 2.740% | We can help make your car purchase easier, get preapproved |
| Non-standard vehicles | 4.990% | Vehicles older than 10 years or over 150,000 miles. |
| Lines of Credit | 9.900% | Payments are 3% of the balance at disbursement |
| Personal Loan | 8.900% | Need cash for vacation, appliances or any other reason |
| Share and CD Secured Loans | 4.000% | Minimum rate on share loan 4% minimum rate on CD loan 5.75% |
| Current model year Rv's | 4.990% | Terms on all RV's subject to loan amount |
| Used Rv's | 5.490% | Avoid hassling with dealer financing, get pre-approved |
| 2 Wheeled vehicles | 5.990% | Summer is around the corner, get your motorcycle now! |
| Home Equity Line of Credit | 4.750% | HELOCs are back! Contact us about our great new product |
| 1st mortgage loans | 4.625% | 1st mortgage loans are back! Visit www.uanw.org/home-loans |
| Visa Credit Cards | 8.900% | Visa rates as low as 8.9 based on qualifications |
| Homeowner's Improvement loan | 7.000% | Time to consolidate debt or buy energy efficient appliances? |
Rates above are displayed as APR=Annual Percentage Rate. Subject to credit approval. Rate may vary based on individual. United Advantage NW FCU reserves the right to discontinue or modify rate offers at any time. Other restrictions may apply.
See loan disclosures for more information.
| Description | Balance | Current Rate | APY* | Minimum Deposit | Available Online |
|---|---|---|---|---|---|
| Owner Shares, Other Shares, Kitty Club, Trend Membership | $100.00 - $10,001.00 | 0.100% | 0.100% | $5.00 | |
| $10,001.01-$25,001.00 | 0.200% | 0.200% | $5.00 | ||
| $25,001.01-$50,000.00 | 0.250% | 0.250% | $5.00 | ||
| over $50,000.00 | 0.500% | 0.350% | $5.00 | ||
| Holiday Club | $5.00 | 0.150% | 0.150% | $5.00 | Open |
| IRA Shares | $100.00 - $25,000.00 | 0.200% | 0.200% | $500.00 | |
| $25,000.01-$50,000.00 | 0.250% | 0.250% | $500.00 | ||
| over $50,000.00 | 0.300% | 0.300% | $500.00 | ||
| UA Checking | $25.00 | 0.050% | 0.050% | $25.00 | |
| eMoney | $0.01 - $999.99 | 2.000% | QD | $25.00 | |
| $1,000.00 - $9,999.99 | 1.000% | QD | $25.00 | ||
| $10,000.00-$24,999.99 | 0.250% | QD | $25.00 | ||
| $25,000 and up | 0.000% | QD | $25.00 | ||
| Market Checking | $2,000.00 - $10,000.00 | 0.350% | 0.350% | $2,000.00 | |
| $10,000.01 and up | 0.400% | 0.400% | |||
| Custom Checking | 0.000% | 0.000% | $25.00 |
With our Bump Rate Certificates you don’t have to worry about missing out on dividend income. You have the option to raise your rate once, or twice during the term of your certificate. For example, if our rates go up 24 months into your 48 month certificate you can bump your rate to match our current offering for your same term!
You decide when to use your bump(s) so you’re in control of your savings. You get one bump with our 24 or 36 month term Bump Certificates, and two bumps when you choose our 48 or 60 month term Bump Certificates.
Certificate Rates - Effective Thursday, April 19, 2018
| Description | Balance | Current Rate | APY* | Minimum Deposit | Available Online |
|---|---|---|---|---|---|
| Share Cert 6 Mo | 6 Months | 1.00% | 1.00% | $1,000.00 | Purchase Online |
| Share Cert 12 Mo | 12 Months | 1.20% | 1.21% | $1,000.00 | Purchase Online |
| Share Cert 18 Mo | 18 Months | 1.50% | 1.51% | $1,000.00 | Purchase Online |
| Share Cert 24 Mo | 24 Months | 1.40% | 1.41% | $1,000.00 | Purchase Online |
| Share Cert 36 Mo | 36 Months | 1.90% | 1.91% | $1,000.00 | Purchase Online |
| 24 Month Bump Cert | 24 Months | 1.40% | 1.41% | $5,000.00 | Purchase Online |
| 24 Months | 1.50% | 1.51% | $50,000.00 | ||
| 24 Months | 1.90% | 1.91% | $100,000.00 | ||
| 36 Month Bump Cert | 36 Months | 1.65% | 1.66% | $5,000.00 | Purchase Online |
| 36 Months | 1.75% | 1.76% | $50,000.00 | ||
| 36 Months | 2.05% | 2.07% | $100,000.00 | ||
| 48 Month Bump Cert | 48 Months | 1.85% | 1.86% | $5,000.00 | Purchase Online |
| 48 Months | 1.95% | 1.96% | $50,000.00 | ||
| 48 Months | 2.10% | 2.12% | $100,000.00 | ||
| 60 Month Bump Cert | 60 Months | 2.00% | 2.02% | $5,000.00 | Purchase Online |
| 60 Months | 2.25% | 2.27% | $50,000.00 | ||
| 60 Months | 2.45% | 2.47% | $100,000.00 | ||
| IRA Certificate 24 M | 24 Months | 1.20% | 1.21% | $2,000.00 | |
| Trend 6 Mo | 6 Months | 1.20% | 1.21% | $50.00 | |
| Trend 12 Mo | 12 Months | 1.20% | 1.21% | $50.00 | |
| Trend 24 Mo | 24 Months | 1.20% | 1.21% | $50.00 | |
| Kitty 3 Mo | 3 Months | 1.20% | 1.21% | $25.00 | |
| Kitty 6 Mo | 6 Months | 1.20% | 1.21% | $25.00 | |
| Kitty 9 Mo | 9 Months | 1.20% | 1.21% | $25.00 | |
| Coverdell ESA | 24 Months | 0.85% | 0.85% | $50.00 | |
| 24 Mo Bump IRA Certificate | 24 Months | 1.40% | 1.41% | $5,000.00 | |
| 24 Months | 1.50% | 1.51% | $50,000.00 | ||
| 24 Months | 1.90% | 1.91% | $100,000.00 | ||
| 36 Mo Bump IRA Certificate | 36 Months | 1.65% | 1.66% | $5,000.00 | |
| 36 Months | 1.75% | 1.76% | $50,000.00 | ||
| 36 Months | 2.05% | 2.07% | $100,000.00 | ||
| 48 Mo Bump IRA Certificate | 48 Months | 1.85% | 1.86% | $5,000.00 | |
| 48 Months | 1.95% | 1.96% | $50,000.00 | ||
| 48 Months | 2.10% | 2.12% | $100,000.00 | ||
| 60 Mo Bump IRA Certificate | 60 Months | 2.00% | 2.02% | $5,000.00 | |
| 60 Months | 2.25% | 2.27% | $50,000.00 | ||
| 60 Months | 2.45% | 2.47% | $100,000.00 | ||
| Save to Win 12 Mo | 12 Months | 2.000% | 2.020% | $24.99 | |
| 12 Months | 0.500% | 0.500% | $500.01 |