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 -March 17, 2020
Account NameRate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAnnual Percentage YieldDividend Declaration Date
Christmas Club Variable $5.00 $5.00 0.25% 0.25% 3/17/2020
Vacation Club Variable $5.00 $5.00 0.25% 0.25% 3/17/2020

Share Accounts

Shares
Rates -March 17, 2020
Account NameRate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAnnual Percentage YieldDividend Declraration Date
Share Draft Variable $25 $200.00 0.05% 0.05% 3/17/2020
Regular Shares Variable $50.00 $200.00 0.15% 0.15% 3/17/2020
Payroll Shares// Variable $0 $200.00 0.15% 0.15% 3/17/2020
Christmas Club Variable $5.00 $5.00 0.25% 0.25% 3/17/2020
Vacation Club Variable $5.00 $5.00 0.25% 0.25% 3/17/2020
Youth Shares Variable $25.00 $25.00 0.25% 0.25% 3/17/2020

Share Certificates

CD RATES
Rates-May 13, 2020

Account NameRate TypeMinimum Opening BalanceMinimum to Earn DividendDividend RateAnnual Percentage YieldDividend Declaration Date
6 months Fixed $500.00 $500.00 .70% .70% 5/13/2020
1 Year Fixed $500.00 $500.00 .85% .85% 5/13/2020
2 Year Fixed $500.00 $500.00 1.00% 1.01% 5/13/2020
3 Year Fixed $500.00 $500.00 1.30% 1.31% 5/13/2020
4 Year Fixed $500.00 $500.00 1.50% 1.51% 5/13/2020
5 Year Fixed $1000.00 $1000.00 1.75%

1.76%

5/13/2020
1 Year Youth Fixed $250.00 $250.00 .40% .40% 5/13/2020
             

 *Rates Subject to change

New Cars & Trucks

Rates last updated April 8, 2020

Rate Based on FICO Score

Length of Repayment (1)APR *Declaration Date
36 Months 2.99% April 8, 2020
48 Months 2.99% April 8, 2020
60 Months 2.99% April 8, 2020
72 Months 2.99% April 8, 2020

*Annual Percentage Rate                                *Rates Subject to change

1. 72 Months financing available for loans of $25,000 or more. The minimum payment will always be $125. *Annual percentage rate shown is our lowest available. *The actual rate shown is our lowest available. * The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be Higher Annual Percentage Rate.

Optional UPS EFCU GAP and Mechanical Repair Coverage. Ask Your UPS EFCU loan Officer for details. UPS EFCU GAP policy is $525. 100% Financing of Low Kelly Blue Book Value.

Pre-Owned Cars & Trucks

Rates last updated April 8, 2020

Rate Based on FICO Score

Pre—Owned Cars and Trucks (2015 or Newer)

Length of Repayment (2)APR *Declaration Date
24 Months 2.99% April 8, 2020
36 Months 2.99% April 8, 2020
48 Months 2.99% April 8, 2020
60 Months 2.99% April 8, 2020

* Annual Percentage Rate                                   *Rates Subject to change

2. 60 Months financing available for loans of $25,000 or more. The minimum payment will always be $125. *Annual percentage rate shown is our lowest available. *The actual rate shown is our lowest available. * The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be Higher Annual Percentage Rate.

Optional UPS EFCU GAP and Mechanical Repair Coverage. Ask Your UPS EFCU loan Officer for details. UPS EFCU GAP policy is $525. 100% Financing of Low Kelly Blue Book Value.

 

Pre-Owned Cars & Trucks

Rates last updated April 8, 2020

Rate Based on FICO Score

Pre—Owned Cars and Trucks (2014 or Older)

Length of Repayment (3)APR *Declaration Date
24 Months 5.80%* April 8, 2020
36 Months 5.84% April 8, 2020
48 Months 6.39% April 8, 2020
60 Months 6.64% April 8, 2020

* Annual Percentage Rate                            *Rates Subject to change

3. 60 Months financing available for loans of $20,000 or more. The minimum payment will always be $125. *Annual percentage rate shown is our lowest available. *The actual rate shown is our lowest available. * The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be Higher Annual Percentage Rate.

Optional UPS EFCU GAP and Mechanical Repair Coverage. Ask Your UPS EFCU loan Officer for details. UPS EFCU GAP policy is $525. 100% Financing of Low Kelly Blue Book Value.

 

   
   
 

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 Market Rates
* Annual Percentage Rate                            *Rates Subject to change