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Current Rates

Loans and Savings Rates

Whether you need a new car or want to start saving for the future, we can help you achieve your financial goals with competitive rates.

Approximate TermAPR*
Up to 24 months4.99-21.94%
Up to 60 months6.12-22.69%
Up to 72 months6.19-22.94%
Up to 84 months6.59-23.44%
Up to 96 months7.59-8.19%
Vehicle must be two years or newer. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.

 

Home Equity Lines of Credit

Loan TypeTermsCurrent Indexed Rate
Owner Occupied
$10,000 to $400,000
10 year draw + 15 yr. repayment8.50% APR1
Non-Owner Occupied
$10,000 to $400,000
10 year draw + 15 yr. repayment9.50% APR2
1APR = Annual Percentage Rate. APRs are accurate as of January 1, 2024. 8.50% fixed APR is the rate for a home equity line up to $400,000 at 80% combined loan-to-value (CLTV); Owner-occupied California 1-4 residential real property only. After the promotional period ends, rates will vary based on Wall Street prime, terms, and conditions are subject to change without notice. The variable APR cannot fall below 3.50% or increase above 15.00% (variable rates). Minimum credit line of $10,000 required. All loans are subject to credit approval. No annual fee. Ask an UNCLE representative for more information. Other limitations may apply.

2APR = Annual Percentage Rate. APRs are accurate as of January 1, 2024. 9.50% fixed APR is the rate for a non-owner-occupied home equity line up to $400,000 at 75% combined loan-to-value (CLTV); Non-Owner-Occupied California 1-4 residential real property only. After the promotional period ends, rates will vary based on Wall Street prime plus 1.00%. The variable APR cannot fall below 4.50% or increase above 18.00% (variable rates). Minimum credit line of $10,000 required. Offer subject to credit qualifications. No annual fee. Rates, terms and conditions are subject to change without notice. Other limitations may apply. Ask an UNCLE representative for more information.

Account TypeDividend RateAPY.Dividend Paid
$100.00 +.03%.03%Monthly
The above rates are the same for charitable & not-for-profit organizations. Tiered Rate with a minimum opening balance of $5.00 and a minimum to earn dividend of $100.00.

Cash CheckingCash Back Checking
Contactless Debit CardYesYes
Monthly Rewards6.00% APY paid on balances up to $25,0002

0.03% APY paid even when qualifications aren't met.2
4% cash back on debit card purchases up to $200.003
Refunds on ATM Fees, Nationwide*Up to $15 per month1Up to $15 per month1
Minimum Balance to Earn RewardsNoneNone
Monthly Service FeesNoneNone
Free Online/Mobile BankingYesYes
Free eStatementsYesYes
Minimum Deposit To OpenNoneNone

1For each qualification cycle in which you meet your qualification requirements, UNCLE CU will reimburse up to $25 per qualification cycle in ATM transaction fees assessed at ATMs in the US by third-party ATM operators.
2APY = Annual Percentage Yield. If the Kasasa Cash checking account meets its qualification requirements during the qualification cycle, the balance up to $25,000 will earn 6.00% APY and any portion of the balance in excess of $25,000 will earn 0.50% APY; resulting in a range from 6.00% to 0.50% APY. The Kasasa Cash checking account will earn 0.03% APY if qualification requirements are not met during the qualification cycle.
33.00% of net UNCLE CU debit card purchases up to $200 are eligible for cash back rewards. No cash back will be earned in qualification cycles in which qualification requirements are not met. A maximum of $6.00 cash back may be earned per monthly qualification cycle.
4APY = Annual Percentage Yield. In qualification cycles in which the linked Kasasa Cash or Kasasa Cash Back checking account meets its qualification requirements, the Kasasa Saver account earns 0.30% APY on balances up to $25,000, and any portion of the balance in excess of $25,000 will earn 0.30% to 0.25% APY depending on the account’s balance. In qualification cycle months in which the linked Kasasa Cash or Kasasa Cash Back checking account does not meet its qualification requirements, the entire Kasasa Saver balance will earn 0.03% APY.
APY is variable and subject to change without notice after account opening. Fees may reduce earnings. Kasasa account fees, benefits and rewards are subject to change without notice. Additional terms, conditions and restrictions apply; refer to the account agreement for details.
UNCLE CU is federally insured by NCUA. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of July 18th, 2024

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