Online Banking
Rates
UPSEFCU helps your money go farther with great rates on loans and higher interest rates on deposit accounts. Access our updated rates here.
Holiday & Summer Savings
| Shares Rates -June 24, 2019 | ||||||
|---|---|---|---|---|---|---|
| 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% | 6/24/2019 |
| Vacation Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 6/24/2019 |
Share Accounts
| Shares Rates -June 24, 2019 | ||||||
|---|---|---|---|---|---|---|
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate | Annual Percentage Yield | Dividend Declraration Date |
| Share Draft | Variable | $25 | $200.00 | 0.05% | 0.05% | 6/24/2019 |
| Regular Shares | Variable | $50.00 | $200.00 | 0.15% | 0.15% | 6/24/2019 |
| Payroll Shares// | Variable | $0 | $200.00 | 0.15% | 0.15% | 6/24/2019 |
| Christmas Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 6/24/2019 |
| Vacation Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 6/24/2019 |
| Youth Shares | Variable | $25.00 | $25.00 | 0.25% | 0.25% | 6/24/2019 |
Share Certificates
|
CD RATES | ||||||
|---|---|---|---|---|---|---|
| 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 | 1.75% | 1.76% | 6/24/2019 |
| 1 Year | Fixed | $500.00 | $500.00 | 2.00% | 2.02% | 6/24/2019 |
| 2 Year | Fixed | $500.00 | $500.00 | 2.25% | 2.27% | 6/24/2019 |
| 3 Year | Fixed | $500.00 | $500.00 | 2.50% | 2.53% | 6/24/2019 |
| 4 Year | Fixed | $500.00 | $500.00 | 2.75% | 2.76% | 6/24/2019 |
| 5 Year | Fixed | $1000.00 | $1000.00 | 3.00% | 3.04% | 6/24/2019 |
| 1 Year Youth | Fixed | $250.00 | $250.00 | .40% | .40% | 6/24/2019 |
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 Type | Amount Down | APR * | 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 Type | FICO 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 Type | APR * Based On FICO Score | Terms | ||||
| 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 | Market Rates | ||||
| * Annual Percentage Rate | ||||||