Rates

UPSEFCU helps your money go farther with great rates on loans and higher interest rates on deposit accounts. Access our updated rates here. 

 

Savings Rates

Holiday & Summer Savings

Shares
Rates -October 1, 2018
Account NameRate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAnnual Percentage YieldDividend Declaration Date
Christmas Club Variable $5.00 $5.00 0.25% 0.25% 10/1/2018
Vacation Club Variable $5.00 $5.00 0.25% 0.25% 10/1/2018

Share Accounts

Shares
Rates - October 1, 2018
Account NameRate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAnnual Percentage YieldDividend Declraration Date
Share Draft Variable $25 $200.00 0.05% 0.05% 10/1/2018
Regular Shares Variable $50.00 $200.00 0.15% 0.15% 10/1/2018
Payroll Shares// Variable $0 $200.00 0.15% 0.15% 10/1/2018
Christmas Club Variable $5.00 $5.00 0.25% 0.25% 10/1/018
Vacation Club Variable $5.00 $5.00 0.25% 0.25% 10/1/2018
Youth Shares Variable $25.00 $25.00 0.25% 0.25% 10/1/2018

Share Certificates

CD RATES
Rates-November 14, 2018

**New Money

Account NameRate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAnnual Percentage YieldDividend Declaration Date
6 months Fixed $500.00 $500.00 1.00% 1.00% 11/14/2018
1 Year Fixed $500.00 $500.00 1.25% 1.26% 11/14/2018
2 Year Fixed $500.00 $500.00 1.50% 1.51% 11/14/2018
3 Year Fixed $500.00 $500.00 1.60% 1.61% 11/14/2018
4 Year Fixed $500.00 $500.00 1.70% 1.71% 11/14/2018
5 Year Fixed $500.00 $500.00 2.00% 2.02% 11/14/2018
5 Year** Fixed $5000.00 $5000.00 3.00% 3.04% 11/14/2018
1 Year Youth Fixed $250.00 $250.00   .40%   .40% 11/14/2018

 

Loan Rates

New Cars & Trucks

(WE JUST LOWERED SOME OF OUR NEW CAR RATES) and Trucks (ASK OUR STAFF ABOUT OUR RATE SPECIALS)
Rates last updated October 1, 2018
Rate Based on FICO Score
Vehicle Limit (not Including Motor Homes) $60,000
Loan TypeAmount DownAPR *Declaration Date
36 Months 10% Down 3.79% to 14.25% October1, 2018
48 Months 100% Financing 4.39% to 14.84% October 1, 2018
48 Months 10% Down 3.79% to 14.79% October 1, 2018
60 Months 100% Financing 4.89% to 15.04% October 1, 2018
60 Months 10% Down 3.99% to 14.99% October 1, 2018
72 Months 100% Financing 5.94% to 15.24% October 1, 2018
72 Months 10% Down 4.19% to 15.19% October 1, 2018
* Annual Percentage Rate

Used Cars & Trucks

(WE JUST LOWERED SOME OF OUR USED CAR RATES) and Trucks (ASK OUR STAFF FOR MORE DETAILS)
Rates last updated: October 1, 2018
Five Model Years or Newer. 60 Months Financing available on amounts over $20,000.
Loan TypeFICO Credit Based APR *Declaration Date
24 Months 3.80% to 14.25% October 1, 2018
36 Months 3.84% to 14.29% October 1, 2018
48 Months 4.39% to 14.84% October 1, 2018
60 Months 4.64% to 15.09% October 1, 2018
Used Cars and Trucks (over 5 Model years old) available at 2% over the above Used rates.
100% of Low Kelly Blue Book
$0 to $40,000 24 Months
$5000 to $40,000 36 Months
$10,000 to $40,000 48 Months
$20,000 to $40,000 60 Months
* Annual Percentage Rate

Other Loans                  

Other Loans
Rates last updated: October 1, 2018
Loan TypeAPR * Based On FICO ScoreTerms
New Motor Homes and Travel Trailers 5.95% to 16.40% Up to 84 Months
New Motor Homes and Travel Trailers 5.95% to 16.40% Up to 120 Months - 15% Down
Used Motor Homes and Travel Trailers 6.75% to 17.20% Up to 84 Months - 5 Model Years Old or Newer
Used Motor Homes and Travel Trailers 7.30% to 17.75% Up to 120 Months - $20,000 and Over - 5 Model Years Old or Older
New Boat Loans 6.84% to 17.29% Up to 120 Months - 15% Down
Overdraft Protection/Line of Credit 8.50% to 18.00% 4% Of Balance Due
Fast Application 19.50% & 28% $500.00 Maximum & $1,000 Maximum
Signature Loan I 9.49% to 18.00% Maximum of 36 Months
Signature Loan II 7.30% to 17.75%. Maximum Of 12 Months
Bill Consolidation 9.49% to 18.00% Maximum of 36 Months
VISA Credit Card 10.50% 3% of Balance Minumum of $25.00
Real Estate Loans 1st & 2nd Trustees & Helocs Market Rates
* Annual Percentage Rate