| Loan Type | Rates as low as | Terms/Information |
|---|---|---|
| New Vehicle 17-19 < 40k miles | 2.990% | We can help make your car purchase easier, get preapproved |
| Used Vehicle 09-16 or >40k mi | 3.290% | |
| Used Vehicle 08 & older | 4.990% | For your older or higher mileage used vehicle |
| Lines of Credit | 9.900% | Payments are 3% of the balance at disbursement |
| 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 | 5.750% | Terms on all RV's subject to loan amount |
| Used Rv's | 6.490% | Avoid hassling with dealer financing, get pre-approved |
| 2 Wheeled vehicles | 6.490% | Summer is around the corner, get your motorcycle now! |
| Personal Loan | 9.400% | Need cash for vacation, appliances or emergency? |
| Home Equity Line of Credit | 5.000% | HELOCs are great for consolidating debt or home improvements |
| Watercraft | 6.740% | Are you ready for summer to arrive? |
| VISA Credit Card | 8.750% | VISA rates as low as 8.75% based on qualifications |
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-$10,000.00 | 0.03% | 0.03% | $5.00 | |
| $10,000.01-$50,000.00 | 0.10% | 0.10% | $5.00 | ||
| $50,000.01 and up | 0.15% | 0.15% | $5.00 | ||
| Holiday Club | $5.00 | 0.10% | 0.10% | $5.00 | Open |
| IRA Shares | $100.00-$24,999.99 | 0.10% | 0.10% | $100.00 | |
| $25,000.00-$49,999.99 | 0.15% | 0.15% | $100.00 | ||
| $50,000.00 and up | 0.20% | 0.20% | $100.00 | ||
| UA Checking | $25.00 | 0.05% | 0.05% | $25.00 | |
| eMoney | $25.00-$999.99 | 1.25% | QD | $25.00 | |
| $1,000.00-$9,999.99 | 1.30% | QD | $25.00 | ||
| $10,000.00-$24,999.99 | 0.15% | QD | $25.00 | ||
| $25,000.00 and up | 0.00% | QD | $25.00 | ||
| Market Checking | $2,000.00 and up | 0.15% | 0.15% | $2,000.00 | |
| Custom Checking | 0.00% | 0.00% | $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 Wednesday, October 23, 2019
| Description | Term | Current Rate | APY* | Minimum Deposit | Available Online |
|---|---|---|---|---|---|
| Share Cert 6 Mo | 6 Months | 0.65% | 0.65% | $1,000.00 | Purchase Online |
| Share Cert 12 Mo | 12 Months | 1.00% | 1.00% | $1,000.00 | Purchase Online |
| Share Cert 18 Mo | 18 Months | 1.35% | 1.36% | $1,000.00 | Purchase Online |
| Share Cert 24 Mo | 24 Months | 1.45% | 1.46% | $1,000.00 | Purchase Online |
| Share Cert 36 Mo | 36 Months | 1.55% | 1.56% | $1,000.00 | Purchase Online |
| 24 Month Bump Cert | 24 Months | 1.25% | 1.26% | $5,000.00 | Purchase Online |
| 24 Months | 1.30% | 1.31% | $50,000.00 | ||
| 24 Months | 1.40% | 1.41% | $100,000.00 | ||
| 36 Month Bump Cert | 36 Months | 1.20% | 1.21% | $5,000.00 | Purchase Online |
| 36 Months | 1.30% | 1.31% | $50,000.00 | ||
| 36 Months | 1.40% | 1.41% | $100,000.00 | ||
| 48 Month Bump Cert | 48 Months | 1.35% | 136% | $5,000.00 | Purchase Online |
| 48 Months | 1.45% | 1.46% | $50,000.00 | ||
| 48 Months | 1.55% | 1.56% | $100,000.00 | ||
| 60 Month Bump Cert | 60 Months | 1.50% | 1.51% | $5,000.00 | Purchase Online |
| 60 Months | 1.55% | 1.56% | $50,000.00 | ||
| 60 Months | 1.60% | 1.61% | $100,000.00 | ||
| Trend 6 Mo | 6 Months | 1.25% | 1.26% | $50.00 | |
| Trend 12 Mo | 12 Months | 1.25% | 1.26% | $50.00 | |
| Trend 24 Mo | 24 Months | 1.25% | 1.26% | $50.00 | |
| Kitty 3 Mo | 3 Months | 1.25% | 1.26% | $25.00 | |
| Kitty 6 Mo | 6 Months | 1.25% | 1.26% | $25.00 | |
| Kitty 9 Mo | 9 Months | 1.25% | 1.26% | $25.00 | |
| Coverdell ESA | 24 Months | 1.45% | 1.46% | $50.00 | |
| IRA Certificate 24 Mo | 24 Months | 1.45% | 1.46% | $2,000.00 | |
| 24 Mo Bump IRA Certificate | 24 Months | 1.25% | 1.26% | $5,000.00 | |
| 24 Months | 1.30% | 1.31% | $50,000.00 | ||
| 24 Months | 1.40% | 1.41% | $100,000.00 | ||
| 36 Mo Bump IRA Certificate | 36 Months | 1.20% | 1.21% | $5,000.00 | |
| 36 Months | 1.30% | 1.31% | $50,000.00 | ||
| 36 Months | 1.40% | 1.41% | $100,000.00 | ||
| 48 Mo Bump IRA Certificate | 48 Months | 1.35% | 1.36% | $5,000.00 | |
| 48 Months | 1.45% | 1.46% | $50,000.00 | ||
| 48 Months | 1.55% | 1.56% | $100,000.00 | ||
| 60 Mo Bump IRA Certificate | 60 Months | 1.50% | 1.51% | $5,000.00 | |
| 60 Months | 1.55% | 1.56% | $50,000.00 | ||
| 60 Months | 1.60% | 1.61% | $100,000.00 |