Personal Rates & Fees
Select an account below to review our competitive personal rates.
Checking Rates
Interest Checking
Open an Account|
Tier |
Interest |
APY* |
|---|---|---|
$0 – $24,999.99 | 0.05% | 0.05% |
$25,000 or more | 0.10% | 0.10% |
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*APY = Annual Percentage Yield. Disclosures (PDF) |
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Health Savings Account Checking
Contact us to open your account.|
Tiers |
Interest |
APY* |
|---|---|---|
$0 - $2,499.99 | 0.05% | 0.05% |
$2,500 - $24,999.99 | 0.05% | 0.05% |
$25,000 - $49,999.99 | 0.10% | 0.10% |
$50,000 or more | 0.10% | 0.10% |
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*APY = Annual Percentage Yield. Disclosures (PDF) |
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Savings Rates
Rewards Savings Account
Contact us to open your account|
Tiers |
Interest Rate |
APY* |
|---|---|---|
Full Balance | 3.93% | 4.00% |
|
*APY = Annual Percentage Yield. Disclosures (PDF) |
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Go Savings (Consumer/IRAs/Business)
|
Tier |
Interest Rate |
APY Range* |
APY |
|---|---|---|---|
$0 - $2,499.99 | 2.96% | 3.00% | 3.00% |
$2,500 - $4,999.99 | 0.03% | 3.00% - 1.51% | 0.03% |
$5,000 - $24,999.99 | 0.03% | 1.51% - 0.33% | 0.03% |
$25,000 - $49,999.99 | 0.03% | 0.33% - 0.18% | 0.03% |
$50,000 - $99,999.99 | 0.03% | 0.18% - 0.10% | 0.03% |
$100,000 or more | 0.03% | 0.10% - 0.03% | 0.03% |
|
*APY = Annual Percentage Yield. Disclosures (PDF) |
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Prime Share Savings: Personal, Health Savings Account, and IRA
Open an Account|
Tiers |
Dividend |
APY* |
|---|---|---|
$5 - $24,999.99 | 0.05% | 0.05% |
$25,000 or more | 0.10% | 0.10% |
|
*APY = Annual Percentage Yield. Disclosures (PDF) |
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Savings Deposit Accounts: Special Savings and Reserve Account
Open an Account|
Tiers |
Interest |
APY* |
|---|---|---|
$0.00 - $24,999.99 | 0.01% | 0.01% |
$25,000 or more | 0.01% | 0.01% |
|
*APY = Annual Percentage Yield. Disclosures (PDF) |
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Certificates of Deposit (CDs)
Open a CD right in online banking|
Balance |
Terms |
Interest |
APY* |
|---|---|---|---|
$500-$19,999.99 | 6 - 60 months | 1.69%-2.18% | 1.70%-2.20% |
$20,000-$49,999.99 | 6 - 60 months | 1.69%-2.18% | 1.70%-2.20% |
$50,000 or more | 6 - 60 months | 1.69%-2.18% | 1.70%-2.20% |
SPECIAL: $500 or more (Existing Funds) | 13 months | 3.93% | 4.00% |
SPECIAL: $25,000 or more (New Funds) | 13 months | 4.41% | 4.50% |
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*APY = ANNUAL PERCENTAGE YIELD. CD Special: Rates effective as of May 15, 2023. APY offered may change at any time. $500 minimum opening deposit. Penalty for early withdrawal may apply. Fees could reduce earnings on account. 4.50% APY based on Interest Rate of 4.41%. 4.00% APY based on Interest Rate of 3.93%. Any CD can be used for an IRA. To qualify for the 4.50% APY rate, $25,000 or more in funds new to the credit union must be deposited in-person at any Unitus branch or electronically via the Virtual Branch. New funds are defined as balances that have been in a Unitus account for 30 days or less at time of CD/IRA opening. New and existing funds cannot be combined for the higher rate/APY. Funds from another institution lower than $25,000 and/or combined with existing funds at Unitus will not qualify for the 4.50% APY. 13-Month CD Rate Sheet (PDF) Disclosures (PDF) |
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Money Market Account (Personal)
Open an Account|
Tier |
Interest |
APY* |
|---|---|---|
$0 – $9,999.99 | 0.25% | 0.25% |
$10,000 – $24,999.99 | 0.50% | 0.50% |
$25,000 – $49,999.99 | 0.75% | 0.75% |
$50,000 – $99,999.99 | 1.00% | 1.00% |
$100,000 – $249,999.99 | 1.49% | 1.50% |
$250,000 - $499,999.99 | 1.98% | 2.00% |
$500,000 - $999,999.99 | 2.47% | 2.50% |
$1,000,000 - $2,499,999.99 | 2.96% | 3.00% |
$2,500,000 or more | 3.44% | 3.50% |
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*APY = Annual Percentage Yield. Disclosures (PDF) |
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IRAs and Coverdell Education Savings Accounts
Contact us to open your account|
Balance |
Terms |
Interest |
APY* |
|---|---|---|---|
$500 - $19,999.99 | 6 months - 60 months | 1.69%-2.18% | 1.70%-2.20% |
$20,000 - $49,999.99 | 6 months - 60 months | 1.69%-2.18% | 1.70%-2.20% |
$50,000 or more | 6 months - 60 months | 1.69%-2.18% | 1.70%-2.20% |
|
*APY = Annual Percentage Yield. Penalty for early withdrawal may apply. APY offered may change at any time. Disclosures (PDF) |
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Credit Cards Rates
Cash Back Rewards
Learn more and apply!|
Credit Score |
APR* |
|---|---|
740+ | 15.49% |
739-700 | 18.49% |
699-660 | 20.99% |
659-610 | 22.49% |
609-560 | 22.99% |
559 or below | 24.99% |
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases and balance transfers. APR for cash advances may be higher. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate. Disclosures (PDF) |
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Platinum Rewards Visa Card
Learn more and apply!|
Credit Score |
APR* |
|---|---|
740+ | 12.99% |
739-700 | 15.49% |
699-660 | 15.99% |
659-610 | 16.99% |
609-560 | 18.00% |
559 or below | 18.00% |
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate. Disclosures (PDF) |
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Classic Credit Card
Learn more and apply!|
Credit Score |
APR* |
|---|---|
740+ | 14.99% |
739-700 | 17.49% |
699-660 | 17.99% |
659-610 | 18.00% |
609-560 | 18.00% |
559 or below | 18.00% |
|
*APR = Annual Percentage Rate. These annual percentage rates are for purchases, for cash advances, and for balance transfers. When you open your account, the applicable APR is based on creditworthiness. After that, your APR will be calculated by adding a margin to the Prime Rate. Disclosures (PDF) |
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Home Loans Rates
Home Loan Rates
Learn more and apply!|
Product |
Rate |
APR* |
Points |
|---|---|---|---|
30 Year Fixed | 7.000% | 7.182% | 1.125 |
15 Year Fixed | 6.625% | 6.875% | .875 |
5/6 ARM | 7.500% | 7.946% | 0 |
7/6 ARM | 7.625% | 7.937% | 0 |
30 Year Fixed First-Time Homebuyer | 8.625% | 8.724% | 0 |
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*APR = Annual Percentage Rate. See full disclosures Additional rates and products available. Contact a Mortgage Relationship Officer for details. Home Loan Rates current as of 9/27/2023 at 7:15 AM |
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Equity Line Plus
Learn more and apply!|
Product |
APR |
APR Range |
Margin |
Floor Rate |
Max Rate |
|---|---|---|---|---|---|
Fixed Rate Segment for Equity Line Plus - 80% Combined Loan to Value (CLTV) or Less | 7.79% | 7.79%-16.89% | N/A | N/A | N/A |
Principal and Interest Payment Product - 80% Combined Loan to Value (CLTV) or Less | 8.74% | 8.74%-14.49% | 0.24%-5.99% | 0.00% | 18.00% |
Interest Only Payment Product - 80% Combined Loan to Value (CLTV or Less) | 9.24% | 9.24%-14.99% | 0.74%-6.49% | 0.00% | 18.00% |
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Maximum Rate is 18%. Rates above are available for owner occupied, detached single family residential properties only. Please view Disclosures (PDF) for additional information. You may also contact us and ask to speak to the Unitus Residential Equity Loan Department for additional rates, terms, conditions, and fees and/or for a personalized loan quote. |
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Vehicle Loans Rates
New Autos (2022 or Newer)
Apply Today!|
Repayment period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 36 months | $500 | 6.69% - 19.44% |
37-60 months | $5,000 | 7.19% - 19.94% |
61-66 months | $6,000 | 7.44% - 20.19% |
67-75 months | $10,000 | 7.69% - 20.44% |
76-84 months | $15,000 | 7.94% - 20.44% |
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Used Autos (2018 – 2021): Add 0.50% to ‘New’ rates; maximum term is 84 months. Older Autos (2017 or Older): Add 1.25% to ‘New’ rates; maximum term is 75 months. *APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
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New RV & Boat Loans (2021 or Newer)
Apply Today!|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 84 months | $500 | 7.74% - 20.74% |
85 - 120 months | $10,000 | 8.24% - 21.24% |
121 - 144 months | $20,000 | 8.49% - 21.49% |
145 - 180 months | $40,000 | 8.99% - 21.99% |
181 - 240 months | $60,000 | 10.24% - 22.99% |
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Used RVs and Boats (2018-2020): Add 0.50% to ‘New’ rates; maximum term is 180 months. Older RVs and Boats (2017 or Older): Add 1.50% to ‘New’ rates; maximum term is 144 months. *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
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New Powersports & Motorcycle Loans (2021 or Newer)
Apply Today!|
Repayment Period |
Min. Loan Amount |
APR* |
|---|---|---|
Up to 84 months | $500 | 8.74% - 21.74% |
85 - 96 months | $15,000 | 9.74% - 22.74% |
|
Used Powersports and Motorcycles (2018-2020): Add 0.50% to ‘New’ rates; maximum term is 96 months. Older Powersports and Motorcycles (2017 or Older): Add 2.00% to ‘New’ rates; maximum term is 84 months. *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Disclosures (PDF) |
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Personal Loans Rates
Personal Loan Rates
Apply Today!|
Credit Score |
APR* |
|---|---|
740+ | 12.74% |
739 - 700 | 13.24% |
699 - 660 | 16.74% |
659 - 610 | 18.24% |
609 - 560 | 21.24% |
559 or below | 22.24% |
|
*APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications. **Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.) Disclosures (PDF) |
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Personal Line of Credit Rates
Apply Today!|
Credit Score |
APR* |
|---|---|
740 + | 13.49% |
739 - 700 | 15.49% |
699 - 660 | 18.49% |
659 - 610 | 20.49% |
609 - 560 | 20.74% |
559 or below | 21.49% |
|
*APR = Annual Percentage Rate. Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%. Disclosures (PDF) **Personal Line of Credit rates are variable. |
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Bicycle Loans
Apply Today!|
Credit Score |
APR* |
|---|---|
740+ | 6.99% |
739 - 700 | 6.99% |
699 - 660 | 6.99% |
659 - 610 | 6.99% |
609 - 560 | 6.99% |
559 or below | 6.99% |
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Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. *APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 36 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.) |
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