Loans
| Loan | Terms | APR |
|---|---|---|
| New & Used Autos | 2023 and newer up to 72 months; 2020 - 2022 up to 60 months; 2019 and older up to 48 months |
as low as 5.99% |
| Motorcycles | up to 48 months | as low as 11.49% |
| New Boats | up to 60 months | as low as 11.49% |
| Used Boats | up to 48 months | as low as 11.49% |
| ATVs | up to 48 months | as low as 12.50% |
| Express Home Improvement | $10,000 = 10 Year ; $10,001 - $25,000 = 15 Year | 6.99% |
| Share Secured Loans | up to 60 months | 3.50% |
| Share Certificate Loans | Equal to term of certificate | 3.50% above certificate rate |
| Signature Loans | Contingent on loan amount | as low as 11.24% |
*Current loan interest rates effective 5/1/2025 until further notice. Auto loan rate quoted is our pre-approval rate. The maximum limit on Express Home Improvement is $25,000. All loan rates are quoted using APR (Annual Percentage Rate). Extended terms available with rate pricing adjustment.
Home Loans Back to Top
| Product | Term | Rate | APR |
|---|---|---|---|
| Conventional | 30 Year Fixed | 7.25% | 7.49% |
| Conventional | 20 Year Fixed | 7.125% | 7.435% |
| Conventional | 15 Year Fixed | 6.875% | 7.257% |
| FHA | 30 Year Fixed | 7.00% | 7.237% |
| FHA | 15 Year Fixed | 6.125% | 6.499% |
| VA | 30 Year Fixed | 7.00% | 7.237% |
| VA | 15 Year Fixed | 6.125% | 6.499% |
| ARM (Adjustable Rate Mortgage) | 30 Year; 5/1 | 6.25% | 6.476% |
| ARM (Adjustable Rate Mortgage) Cash-out | 30 Year; 5/1 | 6.75% | 6.983% |
| ARM (Adjustable Rate Mortgage) | 15 Year; 5/1 | 5.875% | 6.246% |
| ARM (Adjustable Rate Mortgage) Cash-out | 15 Year; 5/1 | 6.375% | 6.751% |
Rates are current as of 5/20/2025. Rates provided are for best rate available and may change without notice. The Annual Percentage Rate (APR) is applicable and will change based on loan amount, examples are based on $200,000 loan amount. For the most up-to-date rates, please contact our mortgage department. Detailed rates and terms will be provided after a completed loan application has been reviewed by a USE Federal Credit Union Mortgage Loan Officer.
Home Equity Loans Back to Top Learn More
| Product | Term | Rate | APR |
|---|---|---|---|
| Home Equity | 7 yr. Fixed | 6.25% | |
| Home Equity | 10 yr. Fixed | 6.50% | |
| Home Equity | 15 yr. Fixed | 6.75% | |
| Home Equity | 20 yr. Fixed | 7.00% | |
| Home Equity Line of Credit (HELOC) | Contingent on loan amount. $100,000 maximum. | 7.50% |
Rates are current as of 1/10/2025. Rate may vary depending on lien position and credit score.
Personal Credit Cards Back to Top Learn More
| Loan | APR | |
|---|---|---|
| Platinum Rewards | 13.50% or 15.50% (variable) | |
| Platinum |
10.50% or 13.50% (variable) |
The above rates for our Platinum and Platinum Rewards credit cards will vary based on the Prime Rate. Rates are subject to change. APR (Annual Percentage Rate) applies.
Certificates Back to Top Learn More
| Term | Tier | APY |
|---|---|---|
| 6 Months | $500 - $100,000+ | 3.75% |
| 12 Months | $500 - $100,000+ | 3.50% |
| 24 Months | $500 - $100,000+ | 3.40% |
| 36 Months | $500 - $100,000+ | 3.25% |
| 48 Months | $500 - $100,000+ | 3.25% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, the minimum amount for certificates is $500. The minimum deposit for any CD Specials is $25,000. Rates are effective as of 5/1/2025. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
| 6 Month Terms | 90 days' dividends |
| 12/24 Month Terms | 180 days' dividends |
| 36/48 Month Terms | 360 days' dividends |
IRA Certificates Back to Top Learn More
| Term | Tier | APY |
|---|---|---|
| 6 Months | $500 - $100,000+ | 3.75% |
| 12 Months | $500 - $100,000+ | 3.50% |
| 24 Months | $500 - $100,000+ | 3.40% |
| 36 Months | $500 - $100,000+ | 3.25% |
| 48 Months | $500 - $100,000+ | 3.25% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, the minimum amount for certificates is $500. The minimum deposit for any CD Specials is $25,000. Rates are effective as of 5/1/2025. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows
| 6 Month Terms | 90 days' dividends |
| 12/24 Month Terms | 180 days' dividends |
| 36/48 Month Terms | 360 days' dividends |
Money Market Share Account Back to Top Learn More
| Balance | APY |
|---|---|
| $2,000 - $24,999 | 1.25% |
| $25,000 - $99,999 | 1.25% |
| $100,000+ | 1.25% |
Share Accounts Back to Top
| Account | APY |
|---|---|
| Free Checking | 0.00% |
| Savings Account | 0.25% |
