Current Rates
Rates
Explore competitive rates designed to help you save more and borrow with confidence.
Savings
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. Regular Savings requires a minimum opening balance of $5.00 and a minimum to earn dividend of $100.00. For Youth Savings accounts, there is no minimum required to earn dividends (Primary members ages 17 and under). Rate subject to change after account is opened.
Money Markets
| Account Type | Dividend Rate | APY* | Dividend Paid |
|---|---|---|---|
| $2,500 - $9,999.99 | .20% | .20% | Monthly |
| $10,000 - $24,999.99 | .20% | .20% | Monthly |
| $25,000 - $49,999.99 | .30% | .30% | Monthly |
| $50,000 - $99,999.99 | .62% | .62% | Monthly |
| $100,000 - $149,999.99 | .75% | .75% | Monthly |
| $150,000 + | 3.11% | 3.15%** | Monthly |
*APY = Annual Percentage Yield. Money Market rates are variable and may change after account opening and qualification. Fees may reduce earnings. Other terms, conditions, and account requirements may apply. Membership eligibility and account approval required.
**Rate of 3.15% APY is available as of July 20, 2026; subject to change or cancellation without notice. APY is based on a dividend rate of 3.106%. Minimum opening deposit and minimum balance of $150,000 required to earn the stated APY. New money is required. New money is defined as funds not currently held on deposit with UNCLE Credit Union and transferred from another financial institution. Existing Money Market accountholders must increase their total Money Market balance by at least $10,000 in new money and maintain a qualifying balance of $150,000 or more to qualify for the High-Yield Money Market rate.
IRA Share Savings
| Account Type | Dividend Rate | APY | Dividend Paid |
|---|---|---|---|
| $100.00 + | .05% | .05% | 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.
Certificates
Share Certificates
| Account Type | Rate Type | Dividend Rate | APY |
|---|---|---|---|
| 3 Month | Fixed | 3.00% | 3.04% |
| 5 Month Special* | Fixed | 3.59% | 3.65% |
| 6 Month | Fixed | 2.79% | 2.83% |
| 12 Month | Fixed | 2.97% | 3.01% |
| 12 Month | Variable** | 3.75% | 3.82% |
| 18 Month | Fixed | 2.54% | 2.57% |
| 24 Month | Fixed | 2.58% | 2.61% |
| 36 Month | Fixed | 2.53% | 2.56% |
| 48 Month | Fixed | 1.75% | 1.76% |
| 60 Month | Fixed | 1.83% | 1.84% |
APY= Annual Percentage Yield. Minimum to earn dividends = $1,500. Minimum opening balance = $1,500. 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.
*5-Month Promotional Share Certificate available as of May 27, 2026; subject to change or cancellation without notice. At maturity, the promotional certificate balance will be transferred to a 6-month fixed-rate certificate at the current rate offering.
**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 | Dividend Rate | APY | Dividend Paid |
|---|---|---|---|---|
| 3 Month | Fixed | 3.00% | 3.04% | Monthly |
| 6 Month | Fixed | 2.79% | 2.83% | Monthly |
| 12 Month | Fixed | 2.97% | 3.01% | Monthly |
| 18 Month | Fixed | 2.54% | 2.57% | 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. Minimum to earn dividends = $100. Minimum opening balance = $100.
IRA Certificates
| (Please refer to Share Certificate Rates) |
All regular Certificates can be opened as IRA Certificates, unless otherwise noted. Minimum balance for all Certificates and IRA Certificates is $1,500.
Loans & Credit Cards
Auto Loans
| Type | Approximate Term | APR |
|---|---|---|
| New Auto (2025 or newer) | Up to 24 months | 4.29-18.79% |
| New Auto (2025 or newer) | Up to 60 months | 4.79-19.29% |
| New Auto (2025 or newer) | Up to 72 months | 5.09-19.59% |
| New Auto (2025 or newer) | Up to 84 months | 5.29-19.79% |
| New Auto (2025 or newer) | Up to 96 months | 6.29-6.79% |
| Used Auto (2020-2024) | Up to 24 months | 5.49-21.99% |
| Used Auto (2020-2024) | Up to 60 months | 5.99-22.49% |
| Used Auto (2020-2024) | Up to 72 months | 6.29-22.79% |
| Used Auto (2020-2024) | Up to 84 months | 6.49-22.99% |
| Super Used Auto (2014-2019) | Up to 60 months | 10.49-11.49% |
APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Actual rates are determined by vehicle model year, loan term, and credit history. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.
Personal Loans
| Terms | APR** |
|---|---|
| 24-60 months | 13.99-25.99% |
APR = Annual Percentage Rate. Maximum personal loan amount is $40,000. Rates and terms are subject to change and based on creditworthiness.
Credit Cards
| Type | Amount | Term | APR* |
|---|---|---|---|
| Choice Rewards | $500-$40,000 | Revolving | 13.99-28.99% |
| Platinum | $500-$40,000 | Revolving | 12.99-27.99% |
| Secured Platinum | $300-$10,000 | Revolving | 14.99%** |
No annual fees.*APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness. Credit limits from $300 to $40,000. Minimum payment for APR less than 24.00% is 2%. Minimum payment for APR above 24.00% is 3%.
**Requires a security pledge of 120% of limit.
Home Equity Lines of Credit
Home Equity Lines of Credit
| Loan Type | Terms | Current Indexed Rate |
|---|---|---|
| Owner Occupied $10,000 to $400,000 | 10 year draw + 15 yr. repayment | 6.75% APR1 |
| Non-Owner Occupied $10,000 to $400,000 | 10 year draw + 15 yr. repayment | 7.75% APR2 |
