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.

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New Vehicle Loans

Approximate Term	APR*
Up to 24 months	4.99-21.94%
Up to 60 months	6.12-22.69%
Up to 72 months	6.19-22.94%
Up to 84 months	6.59-23.44%
Up to 96 months	7.59-8.19%

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.

Used Vehicle Loans

Approximate Term	APR*
Up to 24 months	7.07-23.59%
Up to 60 months	8.12-24.34%
Up to 72 months	8.19-24.59%
Up to 84 months	8.59-25.09%

Vehicle must be between 3 to 6 years old. *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.

Super Used Vehicle

Approximate Term	APR*
Up to 60 months	11.72-26.39%

Vehicle must be between 7 to 12 years old. *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.

UNCLE Platinum

Terms	APR**
Revolving	12.99-27.99%
UNCLE Platinum Credit Card - Offers you a competitive interest rate.

Credit limits from $1,500 to $40,000. Minimum payment for APR less than 24.00% is 2.0%. Minimum payment for APR above 24.00% is 3.0%.
**APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

UNCLE Choice Rewards

Terms	APR**
Revolving	13.99-28.99%
UNCLE Choice Rewards Credit Card—the quickest and easiest way to earn valuable rewards just by using your Choice Rewards card. Choice Rewards allows you to leverage your monthly purchases into points that are redeemable towards: * Travel * Gift Cards * Merchandise * Charitable Donations * Cash Back or Statement Credit * Downloads For more information about these benefits offered through Choice Rewards, please call 844-44CHOICE. Click here to check out our rewards program

Terms

APR**

Revolving

13.99-28.99%

UNCLE Choice Rewards Credit Card—the quickest and easiest way to earn valuable rewards just by using your Choice Rewards card.

Choice Rewards allows you to leverage your monthly purchases into points that are redeemable towards:

* Travel
* Gift Cards
* Merchandise
* Charitable Donations
* Cash Back or Statement Credit
* Downloads

For more information about these benefits offered through Choice Rewards, please call 844-44CHOICE.

Click here to check out our rewards program

UNCLE Platinum Secured

Terms	APR**
Revolving	14.99%
Our UNCLE Secured Platinum Credit Card is a great way to build credit history using your savings or certificate balances as collateral. It has no annual fee and all of the same benefits of our UNCLE Platinum card.

Credit limits from $300 to $20,000. Minimum payment for APR less than 24.00% is 2.0%. Minimum payment for APR above 24.00% is 3.0%.
**APR = Annual Percentage Rate. Rates and terms are subject to change and based on credit worthiness.

Home Equity Lines of Credit

Loan Type	Terms	Promotional Rate	Current Indexed Rate
Owner Occupied $10,000 to $400,000	10 year draw + 15 yr. repayment	7.49% APR¹ for the first 9 months	8.50% APR¹
Non-Owner Occupied $10,000 to $400,000	10 year draw + 15 yr. repayment	8.49% APR¹ for the first 9 months	9.50% APR²

¹APR = Annual Percentage Rate. APRs are accurate as of September 1, 2023. 7.49% fixed APR is the introductory rate for the first 9 months 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 September 1, 2023. 8.49% fixed APR is the introductory rate for the first 9 months 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.

Personal Loan

Terms	APR**
24-60 months	16.50-31.50%

Maximum personal loan amount is $40,000. **APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

Line-of-Credit

Terms	APR**
Revolving	16.75-31.75%

Certificate Secured

Regular Savings

Account Type	Dividend Rate	APY.	Dividend Paid
$100.00 +	.01%	.01%	Monthly

APY=Annual Percentage Yield. 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. For Youth savings account, there is no minimum required to earn dividends. Rate subject to change after account is opened.

Money Markets

Account Type	Dividend Rate	APY**	Dividend Paid
$2,500 - $9,999.99	.02%	.02%	Monthly
$10,000 - $24,999.99	.03%	.03%	Monthly
$25,000 - $49,999.99	.04%	.04%	Monthly
$50,000 - $99,999.99	.86%	.86%	Monthly
$100,000 +	1.33%	1.34%	Monthly

IRA Savings Rates

IRA Savings

Account Type	Dividend Rate	APY.	Dividend Paid
$100.00 - $9,999.99	.04%	.04%	Monthly
$10,000 +	.04%	.04%	Monthly

APY=Annual Percentage Yield. Minimum opening balance of $10.00 and a minimum to earn dividend of $100.00. Rates subject to change after account is opened.

IRA Certificates


(Please refer to Share Certificate Rates)

Certificates

Share Certificates

Account Type	Rate Type	Min. Opening Balance	Min. to Earn Dividend	Dividend Rate	APY
3 Month	Fixed	$1,500	$1,500	3.38%	3.43%
6 Month	Fixed	$1,500	$1,500	2.28%	2.30%
12 Month	Fixed	$1,500	$1,500	3.57%	3.63%
12 Month	Variable	$5,000	$5,000	5.25%	5.38%
18 Month	Fixed	$5,000	$5,000	3.49%	3.55%
24 Month	Fixed	$5,000	$5,000	3.09%	3.13%
36 Month	Fixed	$5,000	$5,000	2.71%	2.74%
48 Month	Fixed	$5,000	$5,000	3.02%	3.06%
60 Month	Fixed	$5,000	$5,000	3.22%	3.27%

*APY= Annual Percentage Yield. The dividend rates and annual percentage yields stated above may change at any time. Substantial early withdrawal penalties apply to IRA Share Certificates and Share Certificates. Fees may reduce earnings. The Variable Rate 12 Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6 month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly. Rates subject to change after account is opened. Dividends paid monthly.

Youth Certificates

Account Type	Rate Type	Min. Opening Balance	Min. to Earn Dividend	Dividend Rate	APY	Dividend Paid
3 Month	Fixed	$100.00	$100.00	3.38%	3.43%	Monthly
6 Month	Fixed	$100.00	$100.00	2.28%	2.30%	Monthly
12 Month	Fixed	$100.00	$100.00	3.57%	3.63%	Monthly
18 Month	Fixed	$100.00	$100.00	3.49%	3.55%	Monthly

APY=Annual Percentage Yield. *Youth Shares and Youth Share Certificates are for primary members age 17 and under. Rates subject to change after account is opened.

Business Savings

Account Type	Dividend Rate	APY.	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.

Business Premier Checking

Account Type	Dividend Rate	APY.	Dividend Paid
Business Premier Checking	.03%	.03%	Monthly

Business Premier Checking accounts require a minimum opening balance of $5,000.

Business Money Markets

Account Type	Dividend Rate	APY.	Dividend Paid
$2,500 - $9,999.99	.06%	.06%	Monthly
$10,000 - $24,999.99	.06%	.06%	Monthly
$25,000 - $49,999.99	.06%	.06%	Monthly
$50,000 - $99,999.99	.86%	.86%	Monthly
$100,000 +	1.33%	1.34%	Monthly

Minimum opening balance of $2,500.00.

Business Certificates

Account Type	Rate Type	Min. Opening Balance	Min. to Earn Dividend	Dividend Rate	APY
3 Month	Fixed	$1,500	$1,500	3.38%	3.43%
6 Month	Fixed	$1,500	$1,500	2.28%	2.30%
12 Month	Fixed	$1,500	$1,500	3.57%	3.63%
12 Month	Variable	$5,000	$5,000	5.25%	5.38%
18 Month	Fixed	$5,000	$5,000	3.49%	3.55%
24 Month	Fixed	$5,000	$5,000	3.09%	3.13%
36 Month	Fixed	$5,000	$5,000	2.71%	2.74%
48 Month	Fixed	$5,000	$5,000	3.02%	3.06%
60 Month	Fixed	$5,000	$5,000	3.22%	3.27%

	Kasasa Cash	Kasasa Cash Back
Contactless Debit Card	Yes	Yes
Monthly Rewards	6.00% APY² paid on balances up to $10,000 0.03% APY² paid even when qualifications aren't met.	4% cash back on debit card purchases up to $200.00³
Refunds on ATM Fees, Nationwide*	Up to $15 per month¹	Up to $15 per month¹
Minimum Balance to Earn Rewards	None	None
Monthly Service Fees	None	None
Free Online/Mobile Banking	Yes	Yes
Free eStatements	Yes	Yes
Minimum Deposit To Open	None	None

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 $10,000 will earn 2.00% APY and any portion of the balance in excess of $10,000 will earn 0.25% APY; resulting in a range from 2.00% to 0.25% 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 $15,000, and any portion of the balance in excess of $15,000 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.

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Current Rates

Loans and Savings Rates

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.

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.

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.

2100 Las Positas Court

Livermore, CA 94551

(925) 447-5001

Routing # 321173072

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Important Information

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.

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.