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 Cars & Trucks

Rates last updated March 8, 2022

Rate Based on FICO Score

Length of Repayment (1) APR * Declaration Date
36 Months 2.99%* March 8, 2022
48 Months 2.99%* March 8, 2022
60 Months 2.99%* March 8, 2022
72 Months 2.99%* March 8, 2022
84 Months 2.99%* March 8, 2022

*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 Annual Percentage Rate you receive will reflect your individual circumstances and may be Higher Annual Percentage Rate.

2. 84 Months financing available for loans of $35,000 or more. The minimum payment will always be $125. *Annual percentage 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 $625. 100% Financing of Low Kelly Blue Book Value.

Pre-Owned Cars & Trucks

Rates last updated March 8, 2022

Rate Based on FICO Score

Pre—Owned Cars and Trucks (2017 or Newer)

Length of Repayment (2) APR * Declaration Date
24 Months 2.99%* March 8, 2022
36 Months 2.99%* March 8, 2022
48 Months 2.99%* March 8, 2022
60 Months 2.99%* March 8, 2022
72 Months 2.99%* March 8, 2022
84 Months 2.99%* March 8, 2022

* Annual Percentage Rate                                   *Rates Subject to change

2. 84 Months financing available for loans of $40,000 or more. The minimum payment will always be $125. *Annual percentage 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 $625. 100% Financing of Low Kelly Blue Book Value.

 

Pre-Owned Cars & Trucks

Rates last updated March 8, 2022

Rate Based on FICO Score

Pre—Owned Cars and Trucks (2016 or Older)

Length of Repayment (3) APR * Declaration Date
24 Months 5.80%* March 8, 2022
36 Months 5.84%* March 8, 2022
48 Months 6.39%* March 8, 2022
60 Months 6.64%* March 8, 2022
72 Months 6.90%* March 8, 2022

* Annual Percentage Rate                            *Rates Subject to change

3. 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 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 $625. 100% Financing of Low Kelly Blue Book Value.

 

   
   
 

Other Loans                 

Other Loans
Rates last updated: March 8, 2022
Loan Type APR * Based On FICO Score Terms
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 - 100% Financing
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
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