Member Rates : UPS Employees CU

Account Rates

Account Type	Min. Deposit	Rate	APY*
Saving/Checking
Basic Shares	$25.00	0.20% – 0.40% (Tier Rates)	–
Share (Checking) Draft	$300.00	0.50%	–
Christmas Club	–	0.50%	0.50%
Vacation Club	–	0.50%	0.50%
Share CDs and IRA CDs
6 Months	$1,000.00	0.50%	0.50%
6 Months	$2,500.00	0.60%	0.60%
9 Months	$1,000.00	0.65%	0.65%
12 Months	$1,000.00	1.20%	1.20%
18 Months	$1,000.00	1.30%	1.30%
24 Months	$1,000.00	1.40%	1.40%
30 Months	$1,000.00	1.50%	1.56%
Certificate Special!
12 Month Jumbo (SC)	$100,000.00	1.55%	1.56%
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.

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	0.00819% – 0.029452%	2.99% – 10.75%
Used Vehicle Loans**	48 – 72 Months	0.015068% – 0.030822%	5.50% – 11.25%
New Boat & RV Loans**	Up to 72 Months	0.00819% – 0.029452%	2.99% – 10.75%
Used Boat, Motorcycle, and Jet Skis, Tractor, Four Wheeler Loans**	–	0.015068% – 0.030822%	5.50% – 11.25%
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.