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 8, 2021
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 0.06% 0.06% 3/08/2022
Vacation Club Variable $5.00 $5.00 0.06% 0.06% 3/08/2022

Share Accounts

Shares
Rates -March 8, 2022
Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate Annual Percentage Yield Dividend Declaration Date
Share Draft Variable $25 $200.00 0.01% 0.01% 3/08/2022
Regular Shares Variable $50.00 $200.00 0.03% 0.03% 3/08/202
Payroll Shares Variable $0 $200.00 0.03% 0.03% 3/08/2022
Christmas Club Variable $5.00 $5.00 0.06% 0.06% 3/08/2022
Vacation Club Variable $5.00 $5.00 0.06% 0.06% 3/08/2022
Youth Shares Variable $25.00 $25.00 0.06% 0.06% 3/08/2022

Share Certificates

CD RATES
Rates-March 8 ,2022
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 .15% .15% 3/08/2022
1 Year Fixed $500.00 $500.00 .30% .30% 3/08/2022
2 Year Fixed $500.00 $500.00 .40% .40% 3/08/2022
3 Year Fixed $500.00 $500.00 .50% .50% 3/08/2022
4 Year Fixed $500.00 $500.00 .60% .60% 3/08/2022
5 Year Fixed $1000.00 $1000.00 .70%

.70%

 3/08/2022
1 Year Youth Fixed $250.00 $250.00 .30% .30% 3/08/2022
             

 *Rates Subject to change

Youth Certificates may have unlimited deposits.

Early Withdrawals are subject to loss of interest penalty

New and Used Auto Loans

Rates last updated January 1, 2023

Rate Based on FICO Score
Length of Repayment (1) APR * Declaration Date
36 Months 2.29%* January 1, 2023
48 Months 2.74%* January 1, 2023
60 Months 3.24%* January 1, 2023
72 Months 3.74%* January 1, 2023
84 Months 4.94%* January 1, 2023

*Annual Percentage Rate                                *Rates Subject to change

Optional UPS EFCU GAP and Mechanical Repair Coverage. Ask Your UPS EFCU loan Officer for details. UPS EFCU GAP policy is $625. 100% Financing of Low Kelly Blue Book Value.

New and Used Motorcycle Loans

Rates last updated January 1, 2023

Rate Based on FICO Score
Length of Repayment (2) APR * Declaration Date
36 Months 4.74%* January 1, 2023
48 Months 5.74%* January 1, 2023
60 Months 6.74%* January 1, 2023
72 Months 7.74%* January 1, 2023

* Annual Percentage Rate                                   *Rates 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 January 1, 2023

Rate Based on FICO Score
Length of Repayment (3) APR * Declaration Date
60 Months 6.49%* January 1, 2023
72 Months 6.59%* January 1, 2023
84 Months 6.74%* January 1, 2023
120 Months 6.89%* January 1, 2023
144 Months 7.04%* January 1, 2023
180 Months 7.29%* January 1, 2023

* Annual Percentage Rate                            *Rates Subject to change

 
   
   
 

Other Loans                 

Other Loans
Rates last updated: January 1, 2023
Loan Type APR * Based On FICO Score Terms
Overdraft Protection/Line of Credit 10.99%* 4% Of Balance Due
Fast Application 19.50%* & 28%* $500.00 Maximum & $1,000 Maximum
Signature Loans 8.79%*
9.54%*
10.79%*		 36 Months
48 Months
60 Months
VISA Credit Card 10.50%* 3% of Balance Minimum of $25.00
Real Estate Loans 1st Market Rates
* Annual Percentage Rate                            *Rates Subject to change