Consumer Loan Rates
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Consumer Loans
Effective Date: Sunday, April 14th, 2024
NameTerm (Months)APR*1,3 As Low AsEstimated Monhly Payments (per $1,000)4
New & Used Auto 2,3 (Years 2023 and Newer)
  36 5.25% $30.31
  60 5.49% $19.33
  72 5.99% $16.81
  84 6.49% $15.10
Used Auto 2,3 (Years 2018 - 2022)
  60 5.59% $19.38
  72 6.09% $16.86
  84 6.59% $15.14
Used Auto 2,3 (Years 2017 - 2012)
  48 5.45% $23.47
  60 5.79% $19.47
  72 6.29% $16.95
New & Used Motorcycles - Street Legal 2,3 (Years 2018 and Newer)
  60 7.49% $20.28
  72 7.75% $17.66
Used Motorcycles - Street Legal 2,3 (Years 2020-2012)
  60 7.49% $20.28
  72 7.75% $17.66
New RV/Boat/Trailer/5th Wheel 2,3 (Years 2019 and Newer)
  60 8.00% $20.52
  72 8.49% $18.03
  84 8.74% $16.22
  120 8.99% $12.94
Used RV/Boat/Trailer/5th Wheel 2,3 (Years 2018 -2010)
  60 8.00% $20.52
  72 8.49% $18.03
  84 8.74% $16.22
  120 8.99% $12.94
Title Loans - call for details      
Personal (Unsecured) 3,5
  12 7.49% $86.99
  36 8.74% $31.92
  72 9.24% $18.40
  84 9.49% $16.60
Ready Cash - Personal Line of Credit 3,5
  Open-End 8.99% Payment is 2.5% of Loan Balance at last cash advance
PAL Pay Day Alternative 3,5
  6 17.50% $175.53
Christmas Loan 3,5
  12 7.49% $86.99

 

*APR = Annual Percentage Rate. Rates shown are in the lowest rates possible for qualified borrowers. Actual APR may be higher depending on applicant's credit evalutaion, year of collateral, mileage, term, and other underwriting factors.       All loans are subject to approval. Rates are subject to change without notice.

1 All Rates shown (discounts exclude Visa, Certificate and Share Loans) includes maximum discount of .50% (.25% Automatic Payment Transfer, ACH or Payroll Deduction) and (.25% for Direct Deposit of paycheck, social security or pension) to          UFCU. 

2  Financig available up to 100% of Manufacturer Suggested Retail Price on New Autos (NADA Suggested Retail Value on Used Autos) or purchase price, whichever is less, and may include tax, license, documentation fees, Mechanical Breakdown        and GAP.

3 Rates and terms may vary depending on loan amount and underwriting factors. Maximum term is based on various factors, including the amount financed.

4 Estimated Payment calculated with no discounts.

5 Maximum aggregate Unsecured Loan Limits (include ReadyCash, Unsecured and UCFCU Visa Credit Card) are not to exceed $25,000

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