Rates, Fees & Disclosures

Below is a Rate and Fee Schedule so you can quickly review the costs of services at USU Charter Credit Union. These rates and fees can change periodically and they will always be updated here.

The Disclosure Statement outlines the Credit Unions terms and conditions for its accounts and its obligations and responsibilities to you. In addition, it explains the rules and guidelines of your membership in the Credit Union.

Share Account Rates as of 11/01/09

Membership Share
ID 0
Tiers Rate APY*
$25 and Over 0.25 0.44
Other Savings
ID 1-7
Tiers Rate APY*
$50 - 499.99 0.25 0.26
$500 - 4,999.99 0.25 0.26
$5,000 and Over 0.25 0.25
Liquid Assets
ID 14
Tiers Rate APY*
$0.01 - 1,999.99 0.25 0.26`
$,2000 - 9,999.99 0.25 0.25
$10,000 - 19,999.99 0.25 0.25
$20,000 - 99,999.99 0.25 0.25
$100,000 - 249,999.99 0.50 0.50
$250,000 and over 0.50 0.50
Ultimate Checking
ID 90-99
Tiers Rate APY*
$2,000 - 4,999.99 0.00 0.00
$5,000 - 9,999.99 0.00 0.00
$10,000 and Over 0.25 0.25
Money Market Checking
90-99
Tiers Rate APY*
$500 - 9,999.99 0.25 0.25
$10,000 - 20,000 0.25 0.25
$20,000 and Over 0.25 0.25
IRA/HSA Shares
ID 8-12
Tiers Rate APY*
$25 - 1999.99 0.25 0.26
$2,000 and Over 0.25 0.25

Paid Monthly
* APY: Annual Percentage Yield.

Savings Certificates (CDs) Rates as of 11/03/09

Term3 Months 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years
Balances APY* APY* APY* APY* APY* APY* APY*
$500 and Over 0.25 0.25 0.50 1.25 1.50 2.25 2.50

* APY: Annual Percentage Yield.
One time rate bump option available on 48 and 60 months CD's

SmartMoney Savings Certificates Rates as of 11/03/09
(CDs for young members with a SmartMoney account)

Term1 Year 2 Years
Balances APY* APY*
$500 and Over 0.50 1.25

* APY: Annual Percentage Yield.

Moolah Savings Certificates Rates as of 11/03/09
(CDs for young members with a Moolah account)

Term3 Months 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years
Balances APY* APY* APY* APY* APY* APY* APY*
$500 and Over 0.25 0.25 0.50 1.25 1.50 2.25 2.50

* APY: Annual Percentage Yield.
One time rate bump option available on 48 and 60 months CD's.

Consumer Loan Rates as of 08/26/09

Use the Auto Calculator Service to prepare for your purchase.

Rates and terms are accurate as of today and are subject to change.

Please contact a USUCCU loan associate for other loan types, rates, and terms offered.

Current rates are as low as:
New and Used Cars and Trucks
Loan Amount Term of Loan Interest Rate
$5,000.01 or more 48 Months 4.75% APR** Loan Calculator
60 Months 5.00% APR** Loan Calculator
$15,000 or more 72 Months 6.00% APR** Loan Calculator
$25,000 or more 84 Months 6.75% APR** Loan Calculator
**APR: Annual Percentage Rate

Travel Trailers, Motor Homes and Powerboats
Loan Amount Term of Loan Interest Rate
$5,001 - $8,000 48 Months 4.75% APR** Loan Calculator
60 Months 5.00% APR** Loan Calculator
72 Months 6.00% APR** Loan Calculator
$8,001 - $15,000 84 Months 6.75% APR** Loan Calculator
120 Months 6.75% APR** Loan Calculator
$15,001 - $20,000 144 Months 7.00% APR** Loan Calculator
$20,001 or more 180 Months 8.00% APR** Loan Calculator

**APR: Annual Percentage Rate

Vehicle Loan Examples:Loan AmountAPRMonthly Payment
$10,000 for 48 months 4.75% APR** $229.16
$10,000 for 60 months 5.00% APR** $188.72
$15,000 for 72 months 6.00 % APR** $248.60
$25,000 for 84 months 6.75% APR** $374.29

**APR: Annual Percentage Rate
Use our Auto Calculator Service to create your own payment example.

FlexEquity Loan Rates as of 05/21/09

Rates and terms are accurate as of today and are subject to change.
  • Owner-occupied properties located in Utah, Idaho, and Wyoming.
  • Minimum credit line of $10,000
  • No closing fees
  • Variable rates as low as .25% under the prime rate. Minimum rate is 5.00% APR.

For further information including insurance requirements, origination fees, and non-use fees, please review our FlexEquity Disclosures.

Variable Rate this Quarter
as low as 5.00% Annual Percentage Rate


Three month introductory rate is 0.00% for new FlexEquity Credit Lines or lock-in a rate for five years by adding 2.00 % to your final rate.

The annual percentage rate listed above is our lowest rate on loans with a loan-to-value (LTV) of 70% or less. The maximum variable APR is 18%. Other rates apply on FlexEquity loans with higher LTVs.

To learn more about other types of loans available, please contact us at 435-753-4080 or 800-248-6361.

Visa Credit Card Rates as of 01/09/06

As low as 8.9% APR**. This rate is not variable.

**APR: Annual Percentage Rate.

For further information, please review the VISA Credit Card, Account/Cardholder Agreement and Disclosure.

Personal Line of Credit Rates as of 07/01/08
(Includes Overdraft and Personal Line of Credit)

As low as 9.9% APR**. This rate may vary.

**APR: Annual Percentage Rate.

For further information, please review the Line of Credit Account Agreement and Disclosure.