Skip to content

Search for specific products, services, articles, topics, etc.

JOIN UNCLE  | ABOUT US  |  LOCATIONS  |  CONTACT US  |  SEARCH

ABOUT US  |  LOCATIONS  |  CONTACT

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.

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. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of March 2nd, 2024

Uncle Credit Union BBB Business Review