Rates - UP Arkansas FCU

Rates

Loan Rates

All loan rates are quoted as Annual Percentage Rates (APRs).

Each loan rate will be determined by certain creditworthiness criteria, and will fall within the range disclosed below. Please contact a credit union employee for an explanation of loan rates, terms, collateral requirements and any other loan information. Other rates and loan types may be offered by the credit union from time to time.

Rates effective as of June 30, 2015

Type of Loan Approximate Term (Months) Annual Percentage Rate (APR)
SHARE SECURED Up to 120 3.00% above rate paid on shares
CERTIFICATE SECURED Term of Certificate 2.00% above existing Certificate rate
NEW/USED Vehicles
(Current year + 6 years)
Up to 48 3.49% - 15.74%
49-60 3.74% - 15.99%
61-72 4.24% - 16.49%
OLDER VEHICLE
(7 Years and older)
Auto/Truck/Van
Up to 36 6.99% - 17.99%
NEW Boats
USED Boats
1-84
1-72
5.24% - 17.49%
6.24% - 17.99%
NEW Recreational Vehicle, Mobile Home, and Farm Equipment 1-84 5.24% - 17.49%
USED Recreational Vehicle and Farm Equipment 1-72 6.24% - 17.99%
NEW Motorcycles 1-60 5.24% - 17.49%
USED Motorcycles 1-60 6.24% - 17.99%
OTHER COLLATERAL
(President/CEO approval needed)
Up to 120 Not to exceed the maximum rate allowed by NCUA.
PERSONAL Up to 36 8.99% - 18.00%
Share Rates

Savings, checking, and money market account rates are declared by the Board of Directors for the previous quarter, and dividends are paid quarterly.

Dividends on Share Certificates are paid monthly. All dividend rates are quoted as Annual Percentage Yields (APYs). Substantial penalties may apply for early withdrawal of funds from term accounts. (Fees could reduce earnings or principal.)

Contact a credit union employee for additional information.

Share Savings Account
Vacation and Christmas Club Accounts
IRAs
$100.00 + 0.20% APY
Checking Accounts
Free Checking 0.20% APY (Paid on qualified accounts up to $5,000) 0.10% APY paid on accounts over $5,001
Please call for details!
Money Market Accounts (Tiered)
(Minimum $2,500.00 to open)
$2,500 - $12,499.99 0.35% APY
$12,500 - $49,999.99 0.55% APY
$50,000 and up 0.75% APY
Share Certificates (Term Accounts)
(Minimum $1,000.00 to open)
3 months 0.25% APY
6 months 0.55% APY
12 months 0.75% APY
18 months 0.85% APY
24 months 0.90% APY

Rates effective as of June 30, 2015

Your funds federally insured to $250,000 by the National Credit Union Administration, an agency of the federal government.