Savings/Checking :: Share/IRA CDs :: Accumulative IRAs :: Loans :: Funds Availability Notice
Account Rates
Rates as of May 1st, 2026
*APR = Annual Percentage Rate. All loans are subject to credit approval. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. Up to a 1% reduction on the current financed vehicle interest rate. Rate will not go below 4.49% on terms up to 84-months. Members must provide the original dealer documentation and/or a current loan statement to support the rate being reduced and term being matched. Loan terms will be up to the remaining term of the existing loan, with a maximum term of 84-months. Promotion may be discontinued at any time. This promotion cannot be used on existing UPSECU loans.
Loan Rates
Rates as of May 1st, 2026
| Type of Loan | Approx. Term | Daily Periodic Rate | APR* |
|---|---|---|---|
| Signature Loan (Personal Loan)** | – | 0.035% – 0.049% | 12.90%-17.90% |
| Share Secured | – | 0.016438% | 6.00% |
| Certificate Secured | – | – | Earned Rate + 3.00% |
| Vehicle Loans | |||
| New Vehicle Loans** | 48- 84 Months | 0.012% – 0.032% | 4.49%-12.50% |
| Used Vehicle Loans** | 48 – 72 Months | 0.016% – 0.034% | 5.99%-14.50% |
| New Boat & RV Loans** | Up to 72 Months | 0.012% – 0.032% | 4.49%-12.50% |
| Used Boat, Motorcycle, and Jet Skis, Tractor, Four Wheeler Loans** | – | 0.016% – 0.034% | 5.99%-14.50% |
| VISA Credit Card | 12.90% | ||
| * APY=Annual Percentage Rate.
**Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness. Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR. |
|||
