Savings Rates
Christmas & Vacation Savings
Shares Rates - Mar. 19, 2024
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate* | Annual Percentage Yield** | Dividend Declaration Date |
|---|---|---|---|---|---|---|
| Christmas Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 03/19/2024 |
| Vacation Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 03/19/2024 |
Share Accounts
Shares Rates - Mar. 19, 2024
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate* | Annual Percentage Yield** | Dividend Declaration Date |
|---|---|---|---|---|---|---|
| Regular Shares | Variable | $50.00 | $200.00 | 0.10% | 0.10% | 03/19/2024 |
| Youth Shares | Variable | $25.00 | $25.00 | 0.10% | 0.10% | 03/19/2024 |
| Share Draft | Variable | $0.00 | $0.00 | 0.00% | 0.00% | 03/19/2024 |
| Youth Share Draft | Variable | $0.00 | $0.00 | 0.00% | 0.00% | 03/19/2024 | Payroll Shares | Variable | $0.00 | $200.00 | 0.03% | 0.03% | 03/19/2024 |
| Christmas Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 03/19/2024 |
| Vacation Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 03/19/2024 |
Share Certificates
CD Rates - Mar. 19, 2024
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate* | Annual Percentage Yield** | Dividend Declaration Date |
|---|---|---|---|---|---|---|
| 6 Months | Fixed | $500.00 | $500.00 | 2.72% | 2.75% | 03/19/2024 |
| 1 Year | Fixed | $500.00 | $500.00 | 3.45% | 3.50% | 03/19/2024 |
| 2 Years | Fixed | $500.00 | $500.00 | 3.54% | 3.60% | 03/19/2024 |
| 3 Years | Fixed | $500.00 | $500.00 | 3.78% | 3.85% | 03/19/2024 |
| 4 Years | Fixed | $500.00 | $500.00 | 3.93% | 4.00% | 03/19/2024 |
| 5 Years | Fixed | $500.00 | $500.00 | 4.21% | 4.30% | 03/19/2024 |
| 1 Year Youth | Fixed | $250.00 | $250.00 | 3.69% | 3.75% | 03/19/2024 |
IRA Certificates Rates
CD Rates - COMING SOON!
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate* | Annual Percentage Yield** | Dividend Declaration Date |
|---|---|---|---|---|---|---|
| 1 Year | Fixed | $500.00 | $500.00 | 3.45% | 3.50% | 03/19/2024 |
| 2 Years | Fixed | $500.00 | $500.00 | 3.54% | 3.60% | 03/19/2024 |
| 3 Years | Fixed | $500.00 | $500.00 | 3.78% | 3.85% | 03/19/2024 |
| 4 Years | Fixed | $500.00 | $500.00 | 3.93% | 4.00% | 03/19/2024 |
| 5 Years | Fixed | $500.00 | $500.00 | 4.21% | 4.30% | 03/19/2024 |
*Rates Subject to change
**Annual Precentage Yield
Youth Certificates may have unlimited deposits
Early Withdrawals are subject to loss of interest penalty
**Annual Precentage Yield
Youth Certificates may have unlimited deposits
Early Withdrawals are subject to loss of interest penalty
Loan Rates
UPSEFCU helps your money go farther with great rates on loans and higher interest rates on deposit accounts. Access our updated rates here.
New and Used Auto Loans
Rates last updated Mar. 19, 2024
Rate Based on FICO Score
| Length of Repayment | APR** | Declaration Date |
|---|---|---|
| 36 Months | 5.99%* | 03/19/2024 |
| 48 Months | 5.99%* | 03/19/2024 |
| 60 Months | 6.80%* | 03/19/2024 |
| 72 Months | 7.00%* | 03/19/2024 |
| 84 Months | 7.65%* | 03/19/2024 |
| **Annual Percentage Rate | *Rates As Low As & Subject to Change |
Optional UPS EFCU GAP and Mechanical Repair Coverage. Ask for your Loan Officer for details. GAP is $625.00.
Signature Loans
Rates last updated Mar. 19, 2024
Rate Based on FICO Score
| Length of Repayment | APR** | Declaration Date |
|---|---|---|
| 36 Months | 10.79%* | 03/19/2024 |
| 48 Months | 11.54%* | 03/19/2024 |
| 60 Months | 12.79%* | 03/19/2024 |
| **Annual Percentage Rate | *Rates As Low As & Subject to Change |
New and Used Motorcycle Loans
Rates last updated Mar. 19, 2024
Rate Based on FICO Score
| Length of Repayment | APR** | Declaration Date |
|---|---|---|
| 36 Months | 5.74%* | 03/19/2024 |
| 48 Months | 6.74%* | 03/19/2024 |
| 60 Months | 7.74%* | 03/19/2024 |
| 72 Months | 8.74%* | 03/19/2024 |
| **Annual Percentage Rate | *Rates As Low As & Subject to Change |
Optional UPS EFCU GAP. Ask Your UPS EFCU loan Officer for details. UPS EFCU GAP policy is $625. 100% Financing of Low Kelly Blue Book Value.
New & Used Motor Home/RV & Watercraft
Rates last updated Mar. 19, 2024
Rate Based on FICO Score
| Length of Repayment | APR** | Declaration Date |
|---|---|---|
| 60 Months | 7.49%* | 03/19/2024 |
| 72 Months | 8.19%* | 03/19/2024 |
| 84 Months | 9.09%* | 03/19/2024 |
| **Annual Percentage Rate | *Rates As Low As & Subject to Change |
Other Loans
Rates last updated Mar. 19, 2024
Rate Based on FICO Score
| Loan Type | APR** Based On FICO Score | Terms |
|---|---|---|
| Visa Credit Card | 10.50%* | good payment history with other creditors, and DTI under 55% |
| Overdraft Protection/Line of Credit | 10.99%* | 4% Of Balance Due |
| Fast Application | 19.50%* & 28.00%* | $500.00 Maximum & $1,000 Maximum |
| Real Estate Loans | Market Rates* | 1st |
| **Annual Percentage Rate | *Rates As Low As & Subject to Change |