Rates

Personal Checking

Minimum Balance* To Earn Dividends

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Checking Accounts are based on the average daily balance and are posted monthly. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Minimum Balance* To Earn Dividends

$2,500

Dividend Rate

0.05%

APY**

0.05%

Regular Savings

Minimum Balance To Earn Dividends

Dividend Rate

APY*

*Minimum average daily balance required to earn dividends. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Please contact one of our Financial Services Representatives for further information about applicable fees. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Minimum Balance To Earn Dividends

$100

Dividend Rate

0.05%

APY*

0.05%

Holiday Savings & Summer Savings

Account Type

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

***Maximum monthly deposits $1,000; maximum annual deposit: $10,000.

Account Type

Holiday Savings Account

Minimum Balance*

$100

Dividend Rate

0.05%

APY**

0.05%

Account Type

Summer Savings Account***

Minimum Balance*

$100

Dividend Rate

0.50%

APY**

0.50%

Certificates (CDs)

Terms

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice.

Additional 0.10% for Jumbo Certificates $50,000 and more.

**APY is Annual Percentage Yield.

Terms

6 to 11 months

Minimum Balance*

$2,000

Dividend Rate

0.80% 

APY**

0.80% 

Terms

12 to 23 months

Minimum Balance*

$2,000

Dividend Rate

0.90% 

APY**

0.90% 

Terms

24 to 35 months

Minimum Balance*

$2,000

Dividend Rate

1.00% 

APY**

1.00% 

Terms

36 to 47 months

Minimum Balance*

$2,000

Dividend Rate

1.10%

APY**

1.11%

Terms

48 to 59 months

Minimum Balance*

$2,000

Dividend Rate

1.20%

APY**

1.21%

Terms

60 months

Minimum Balance*

$2,000

Dividend Rate

1.30%

APY**

1.31%

Student Certificates

Term

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Term

6 to 11 months

Minimum Balance*

$250

Dividend Rate

0.80%

APY**

0.80%

Term

12 to 23 months

Minimum Balance*

$250

Dividend Rate

0.90%

APY**

0.90%

Term

24 to 35 months

Minimum Balance*

$250

Dividend Rate

1.00%

APY**

1.00%

Term

36 to 47 months

Minimum Balance*

$250

Dividend Rate

1.10%

APY**

1.11%

Term

48 to 59 months

Minimum Balance*

$250

Dividend Rate

1.20%

APY**

1.21%

Term

60 months

Minimum Balance*

$250

Dividend Rate

1.30%

APY**

1.31%

Jumbo Certificates

Term

Minimum Balance*

Dividend Rate

APY**

Term

6 to 11 months

Minimum Balance*

$50,000

Dividend Rate

0.90%

APY**

0.90%

Term

12 to 23 months

Minimum Balance*

$50,000

Dividend Rate

1.00%

APY**

1.00%

Term

24 to 35 months

Minimum Balance*

$50,000

Dividend Rate

1.10%

APY**

1.11%

Term

36 to 47 months

Minimum Balance*

$50,000

Dividend Rate

1.20%

APY**

1.21%

Term

48 to 59 months

Minimum Balance*

$50,000

Dividend Rate

1.30%

APY**

1.31%

Term

60 months

Minimum Balance*

$50,000

Dividend Rate

1.40%

APY**

1.41%

Money Market Accounts

Account Type

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Account Type

Money Market Savings 1

Minimum Balance*

$1,500

Dividend Rate

0.30%

APY**

0.30%

Account Type

Money Market Savings 2

Minimum Balance*

$10,000

Dividend Rate

0.40%

APY**

0.40%

Account Type

Money Market Savings 3

Minimum Balance*

$50,000

Dividend Rate

0.50%

APY**

0.50%

Account Type

Money Market Savings 4

Minimum Balance*

$100,000

Dividend Rate

0.60%

APY**

0.60%

IRA Savings and IRA Certificates (CDs)

Account Type

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Balance required to earn dividends: $25
Maintenance fee: $10 per year

Account Type

IRA Savings Account

Minimum Balance*

$25

Dividend Rate

0.25%

APY**

0.25%

Account Type

IRA Certificates (CD) with 12 to 23 month term

Minimum Balance*

$2,000

Dividend Rate

0.90%

APY**

0.90%

Account Type

IRA Certificates (CD) with 24 to 35 month term

Minimum Balance*

$2,000

Dividend Rate

1.00%

APY**

1.00%

Account Type

IRA Certificates (CD) with 36 to 47 month term

Minimum Balance*

$2,000

Dividend Rate

1.10%

APY**

1.11%

Account Type

IRA Certificates (CD) with 48 to 59 month term

Minimum Balance*

$2,000

Dividend Rate

1.20%

APY**

1.21%

Account Type

IRA Certificates (CD) with 60 month term

Minimum Balance*

$2,000

Dividend Rate

1.30%

APY**

1.31%

Youth Savings and Coogan Account (for Members age 18 and under)

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Minimum Balance*

$25

Dividend Rate

0.05%

APY**

0.05%

Student Saver Certificate / Unlimited Deposits (for members age 18 and under)

Term

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Term

12 months

Minimum Balance*

$250

Dividend Rate

0.90%

APY**

0.90%

Coverdell Education Savings

Term and Account Type

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Term and Account Type

Coverdell Savings

Minimum Balance*

$25

Dividend Rate

0.25%

APY**

0.25%

Term and Account Type

12 to 23 month Coverdell Certificates

Minimum Balance*

$2,000

Dividend Rate

0.90%

APY**

0.90%

Term and Account Type

24 to 35 month Coverdell Certificates

Minimum Balance*

$2,000

Dividend Rate

1.00%

APY**

1.00%

Term and Account Type

36 to 47 month Coverdell Certificates

Minimum Balance*

$2,000

Dividend Rate

1.10%

APY**

1.11%

Term and Account Type

48 to 59 month Coverdell Certificates

Minimum Balance*

$2,000

Dividend Rate

1.20%

APY**

1.21%

Term and Account Type

60 month term
Coverdell Certificates

Minimum Balance*

$2,000

Dividend Rate

1.30%

APY**

1.31%

Visa Platinum Credit Card

Terms

APR* as low as

*APR is based on an evaluation of your creditworthiness.

Terms

Fixed rate

APR* as low as

9.90%

Mortgage Loans

Mortgage Type

Rate as low as

APR

Monthly Payment1

Rates updated 06/27/2022.

1Payments listed are for principal and interest only.

2Adjustable rate mortgages (ARM’s) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year.

Low down payment purchase options available including VA, FHA, and Conventional loans! Many other options available for investment properties. Call for information and pricing. Rates and payments listed above are based on a rate and term refinance on an SFR, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Rates subject to change daily. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Tax and insurance impounds are available and are required on some scenarios. Property insurance is required on all financed properties. Maximum loan limits apply.

Additional programs and rates available, call for info.

Mortgage Type

Conventional 30 year fixed

Rate as low as

5.375%

APR

5.868%

Monthly Payment1

$2,799.86

Mortgage Type

Conventional 15 year fixed

Rate as low as

4.750%

APR

4.944%

Monthly Payment1

$3,889.16

Mortgage Type

5/1 ARM2

Rate as low as

3.990%

APR

4.096%

Monthly Payment1

$2,384.19

Mortgage Type

40 year 10/1 ARM2

Rate as low as

Call for estimate

APR

Call for estimate

Monthly Payment1

Call for estimate

Mortgage Type

Bank income verification

Rate as low as

Call for estimate

APR

Call for estimate

Monthly Payment1

Call for estimate

Mortgage Type

No seasoning on bankruptcies, foreclosures, or short sales

Rate as low as

Call for estimate

APR

Call for estimate

Monthly Payment1

Call for estimate

Home Equity Lines of Credit Rates

Loan Type

Terms

APR as low as

ASK ABOUT OUR 2.99% 12-MONTH HELOC INTRO RATE!

Borrow up to $400,000
Draw money for up to 10 years
Desktop appraisals for loans with 60% LTV and a loan amount up to $200,000

Loan Type

10-Year Draw

Terms

80% Loan to Value (LTV)

APR as low as

5.75%

Loan Type

10-Year Draw

Terms

60% Loan to Value (LTV)

APR as low as

5.25%

Home Equity Lines of Credit (HELOC) Fees

Fee Type

Fee Amount

Fee Type

Application fee

Fee Amount

$0

Fee Type

Escrow fee

Fee Amount

$0

Fee Type

Credit report fee

Fee Amount

$0

Fee Type

Recording fee

Fee Amount

$0

Fee Type

Appraisal fee

Fee Amount

Paid directly to the appraisal company (typically runs between $250 - $400)

Fee Type

Title insurance

Fee Amount

$350 (fee can be included in loan, if desired)

New Vehicle Loans - Cars, Trucks, and SUVs

Term

APR* as low as

NEW Cars, Trucks, & SUVs | 2021-2022 | mileage up to 5k
Financing up to 100% | Terms up to 84 months

*APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.

Term

24 months

APR* as low as

2.75%

Term

36 months

APR* as low as

3.00%

Term

48 months

APR* as low as

3.25%

Term

60 months

APR* as low as

3.50%

Term

72 months

APR* as low as

4.00%

Term

84 months

APR* as low as

4.75%

Used Vehicle Loans - Cars, Trucks, and SUVs

Term

APR* as low as

USED Cars, Trucks, & SUVs | 2012-2021 | mileage up to 150k
Financing up to 100% | Terms up to 84 months

*APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.

Term

24 months

APR* as low as

3.25%

Term

36 months

APR* as low as

3.50%

Term

48 months

APR* as low as

3.75%

Term

60 months

APR* as low as

4.00%

Term

72 months

APR* as low as

4.50%

Term

84 months

APR* as low as

5.25%

Motorcycle Loans

Term

APR* as low as

*APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.

Term

24 months

APR* as low as

4.50%

Term

36 months

APR* as low as

4.75%

Term

48 months

APR* as low as

5.00%

Term

60 months

APR* as low as

5.25%

Term

72 months

APR* as low as

6.00%

Term

84 months

APR* as low as

7.00%

Boat and RV Loans

Term

APR* as low as

*APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.

Term

24 months

APR* as low as

4.50%

Term

36 months

APR* as low as

4.75%

Term

48 months

APR* as low as

5.00%

Term

60 months

APR* as low as

5.25%

Term

72 months

APR* as low as

6.00%

Term

84 months

APR* as low as

7.00%

Term

120 months

APR* as low as

8.00%

Term

144 months

APR* as low as

9.00%

Personal Loans

Loan Type

Terms

APR* as low as

*APR is Annual Percentage Rate. APR is based on an evaluation of your credit worthiness.

Loan Type

Personal Loan

Terms

Up to 60 months

APR* as low as

6.90%

Loan Type

90% Share Secured Loan

Terms

Up to 60 months

APR* as low as

2.50% over Savings Rate

Loan Type

90% Certificate Secured Loan

Terms

Up to 60 months

APR* as low as

2.50% over Share Certificate Rate

Student Loans

We’ve partnered with Sallie Mae to give our members great student loans options. Together, we can help U achieve your education goals so you can go off and do amazing things in this world!

Apply for a Sallie Mae student loan through UMe.

Business Checking

Minimum Balance* To Earn Dividends

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Checking Accounts are based on the average daily balance and are posted monthly. All other rates and yields subject to change without notice.

**APY is Annual Percentage Yield.

Minimum Balance* To Earn Dividends

$5,000

Dividend Rate

0.05%

APY**

0.05%

Small Business Loans

We’ve partnered with Opportunity Fund to give our members great small business loan options. The organization provides small amounts of money to small business owners to pursue their dreams, support their families, and create jobs in their communities.

UMe partnered with Opportunity Fund based on their award-winning and innovative approach to helping entrepreneurs and communities thrive.

Learn more about small business loans through Opportunity Fund.