Auto & Personal Loans
Current loan interest rates are effective 1/1/2026 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. *Rate available on auto purchases only with a maximum term of 36 months. Requires direct deposit with USE Federal Credit Union or ACH automatic payments. Maximum loan-to-value (LTV) is 80%.
Home Loans
| Product |
Term |
Rate |
APR |
| Conventional |
30 Year Fixed
|
6.00% |
6.281% |
| Conventional |
15 Year Fixed |
5.50% |
5.767% |
| FHA |
30 Year Fixed |
5.875% |
6.694% |
| FHA |
15 Year Fixed |
5.125% |
5.964% |
| VA |
30 Year Fixed |
5.875% |
6.221% |
| VA |
15 Year Fixed |
5.125% |
5.831% |
| ARM (Adjustable Rate Mortgage) |
30 Year; 5/1 |
5.00% |
6.04% |
| ARM (Adjustable Rate Mortgage) |
15 Year; 5/1 |
4.50% |
5.443% |
| ARM (Adjustable Rate Mortgage) Cash-Out |
30 Year; 5/1 |
5.50% |
6.004% |
| ARM (Adjustable Rate Mortgage) Cash-Out |
15 Year; 5/1 |
5.125% |
5.728% |
Rates are current as of 2/27/2026. Rates provided are for best rate available and may change without notice. The Annual Percentage Rate (APR) is applicable and will change based on the loan amount. Examples are based on a $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
| Product |
Term |
Rate |
APR |
| Home Equity |
7 Year Fixed |
5.75% |
5.95% |
| Home Equity |
10 Year Fixed |
6.00% |
6.149% |
| Home Equity |
15 Year Fixed |
6.25% |
6.355% |
| Home Equity |
20 Year Fixed |
6.50% |
6.585% |
| Home Equity Line of Credit (HELOC) |
Contingent on the loan amount. $100,000 maximum. |
6.75% |
-- |
Rates are current as of 1/16/2025. The rate may vary depending on lien position and credit score.
NFP Home Equity Loans
| Product |
Term |
Rate |
APR |
| NFP Home Equity |
7 Year Fixed |
6.99% |
7.076% |
| NFP Home Equity |
10 Year Fixed |
6.99% |
7.076% |
| NFP Home Equity |
15 Year Fixed |
6.99% |
7.076% |
| NFP Home Equity |
20 Year Fixed |
6.99% |
7.076% |
Rates are current as of 3/1/2026. Available for loans with loan-to-value (LTV) ratios over 80%.
NFP Secured Home Improvement Loans
| Product |
Term |
Rate |
APR |
| NFP Secured Home Improvement |
7 Year Fixed |
6.99% |
7.076% |
| NFP Secured Home Improvement |
10 Year Fixed |
6.99% |
7.076% |
| NFP Secured Home Improvement |
15 Year Fixed |
6.99% |
7.076% |
| NFP Secured Home Improvement |
20 Year Fixed |
6.99% |
7.076% |
Rates are current as of 3/1/2026.
Personal Credit Cards
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
| Term |
Tier |
APY |
| CD Special - 8 Months |
$25,000+ |
4.00% |
| 6 Months |
$500 - $100,000+ |
3.25% |
| 12 Months |
$500 - $100,000+ |
3.05% |
| 24 Months |
$500 - $100,000+ |
3.00% |
| 36 Months |
$500 - $100,000+ |
3.00% |
| 48 Months |
$500 - $100,000+ |
3.00% |
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 1/1/2026. 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 day's dividends; 12/24 month term = 180 days' dividends; 36/48 month terms = 360 days' dividends
IRA Certificates
| Term |
Tier |
APY |
| CD Special - 8 Months |
$25,000+ |
4.00% |
| 6 Months |
$500 - $100,000+ |
3.25% |
| 12 Months |
$500 - $100,000+ |
3.05% |
| 24 Months |
$500 - $100,000+ |
3.00% |
| 36 Months |
$500 - $100,000+ |
3.00% |
| 48 Months |
$500 - $100,000+ |
3.00% |
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 1/1/2026. 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 day's dividends; 12/24 month term = 180 days' dividends; 36/48 month terms = 360 days' dividends
Money Market Accounts
| Balance |
APY |
| $2,000 - $24,999 |
1.25% |
| $25,000 - $99,999 |
1.75% |
| $100,000+ |
2.25% |
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