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How to Join
Am I eligible? If you live or work in Pottawattamie County, Iowa, then you are eligible to join United Credit Union and take advantage of all our great loan rates, services and financial products. Contact the Credit Union today to join. |
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Our Lending
Practices
United Credit Union takes a personal approach to lending. While we do take into account your credit history, we do not base our decision on that alone. Because we are your Credit Union, we are here to help. And we will always try our very best to help you meet your loan needs. Plus, the loan rates we advertise on our website, in our newsletter and at the Credit Union are the same low rates for every member. They are not meant to lure you in, only to have them increase when you apply.
Also, as you start paying back your loan, we understand if your situation changes. We are ready and willing to work with you to redo your loan terms to something that helps you pay off the loan. You see, we know and understand because we are members of your community, interested and invested in you and your family. We are United Credit Union, your hometown credit union. And we are united to serve you, our members. |
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Current Loan Product Rates
Signature — 1 to 18 months
10% shares pledge on amount borrowed |
11.00% APR |
Signature — 19 to 36 months
10% shares pledge on amount borrowed |
13.75% APR |
Term Note
5x rewrite 3-6-12 month term • no account relationship discount
• $10,000 cap on sig Ave Trade Value NADA • not on new vehicles |
14.00% APR |
New Auto (1 to 72 months)
100% of purchase price |
5.50% APR |
New Auto (1 to 72 months)
110% of purchase price |
6.50% APR |
Used Auto
Retail value 5 years old or newer • NADA Midwest Ave Trade Value over 5 years old NADA Midwest |
6.75% APR |
New Recreational Vehicle — 60 months
100% of purchase price |
8.00% APR |
New Recreational Vehicle — 61 to 84 months
100% of purchase price |
9.00% APR |
Used Recreational Vehicle
up to 60 months • Ave Trade value NADA Midwest edition |
9.25% APR |
New Boat
100% of purchase price |
7.50% APR |
Used Boat
Ave Trade value NADA Midwest edition |
8.00% APR |
New Motorcycle
100% of purchase price |
6.00% APR |
Used Motorcycle
Ave Trade value NADA Midwest edition |
6.75% APR |
2nd Mortgage — 5 years
80% loan to value • No account relationship discounts |
6.25% APR |
2nd Mortgage — 10 years
80% loan to value • No account relationship discounts |
7.00% APR |
2nd Mortgage — 15 years
80% loan to value • No account relationship discounts |
7.75% APR |
Share Pledge Loan
No account relationship discounts |
4.50% APR |
CD Pledge Loan
No account relationship discounts |
2.00% APR
above what CD earns |
Other Secured Loans |
10.00% APR |
Account Relationship Discounts
- .25% off loan interest rate if member has good share draft account with 3 months of history
- .25% off loan interest rate if member has been in good standing for 3 years or more
- .50% off loan interest rate for repayment by direct deposit/allotment.
Maximum account relationship discount 1.00% off loan interest rate |
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Our Lending Process is Easy!
At United Credit Union, we make the loan application process as simplified as possible. If you are already a United member, you’ll need to bring your most recent paystub, unless you have your paycheck directly deposited into one of your Credit Union accounts. If you are also joining the Credit Union when you apply for a loan, be sure to bring a picture ID. |
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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government.
Rates are current as of March 2011 unless otherwise noted and are subject to change.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
© 2011 United Credit Union |
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