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Member Rates

Comptetitive rates on savings accounts, investments, and loans...


Savings/Checking :: Share/IRA CDs :: Accumulative IRAs :: Loans :: Funds Availability Notice

 

Account Rates

Rates as of March 2nd, 2021

Account Type Min. Deposit Rate APY*
Saving/Checking
Basic Shares $25.00 0.10% – 0.30% (Tier Rates) –
Share (Checking) Draft $300.00 0.25% –
Christmas Club – 0.25% 0.25%
Vacation Club – 0.25% 0.25%
Share CDs and IRA CDs
6 Months $1,000.00 0.35% 0.35%
6 Months $2,500.00 0.40% 0.40%
9 Months $1,000.00 0.45% 0.45%
12 Months $1,000.00 0.65% 0.65%
18 Months $1,000.00 0.70% 0.70%
24 Months $1,000.00 0.85% 0.85%
30 Months $1,000.00 0.95% 0.95%
Certificate Special!
12 Month Jumbo (SC) $100,000.00 1.00% 1.00%
Accumulative IRAs
Variable rate based on the 6 Month CD. $1,000.00 minimum. Subject to change daily.
* APY=Annual Percentage Yield. Rates are subject to change daily.

 

 

Loan Rates

Rates as of March 2nd, 2021

Type of Loan Approx. Term Daily Periodic Rate APR*
Signature Loan (Personal Loan)** – 0.029863% – 0.046301% 10.90% – 16.90%
Share Secured – 0.016438% 6.00%
Certificate Secured – – Earned Rate + 3.00%
Vehicle Loans
New Vehicle Loans** 36 – 84 Months 0.00545% – 0.024657% 1.99% – 9.00%
Used Vehicle Loans** 48 – 72 Months 0.00958% – 0.027397% 3.50% – 10.00%
New Boat & RV Loans** Up to 72 Months  0.00545% – 0.024657% 1.99% – 9.00%
Used Boat, Motorcycle, and Jet Skis, Tractor, Four Wheeler Loans** – 0.00958% – 0.027397% 3.50% – 10.00%
Real Estate Loans
2nd Mortgage – 0.021918% 8.00%
Land – 0.021918% 8.00%
* 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.


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UPS Freight update – with the news of the buyout of UPS Freight, there will be no change with your current membership with UPS Employees Credit Union. We will update the membership once the new company takes control with any information needed to continue payroll deduction. Our Moto will continue to be “Once a Member Always a Member”. We anticipate a smooth transition.