Below is a Rate and Fee Schedule so you can quickly review the costs of services at the USU Charter Credit Union. These rates and fees can change periodically and they will always be updated here.
The Disclosure Statement outlines the Credit Union's 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.
Membership Share
ID 0
|
Other Shares
ID 1-7
|
Liquid Assets
ID 14
|
Tiers |
Rate
|
APY* |
Tiers |
Rate |
APY* |
Tiers |
Rate
|
APY* |
$25 |
0.50
|
0.95 |
$50-499.99 |
0.50 |
0.50 |
$0.01-1,999.99 |
0.50
|
0.50 |
|
$500-4999.99 |
0.50 |
0.50 |
$2,000-9,999.99 |
1.00
|
1.00 |
|
$5,000 and Over |
0.75 |
0.75 |
$10,000-19,999.99 |
1.75
|
1.77 |
|
|
$20,000 and Over |
2.00
|
2.02 |
|
Paid Monthly
|
Paid Monthly
|
Paid Monthly
|
|
Ultimate Checking
ID 90-99
|
Money Market Checking
ID 90-99
|
IRA/HSA Shares
ID 8-12
|
Tiers |
Rate
|
APY* |
Tiers |
Rate
|
APY* |
Tiers |
Rate
|
APY* |
$2,000-4,999.99 |
0.00 |
0.00 |
$500 - 9,999.99 |
0.50
|
0.50 |
$25-1,999.99 |
0.80
|
0.80 |
$5,000-9,999.99 |
0.00 |
0.00 |
$10,000-19,999.99 |
0.75 |
0.75 |
$2,000 and Over |
1.30
|
1.31 |
$10,000 and Over |
1.00
|
1.00 |
$20,000 and Over |
1.00
|
1.00 |
|
|
Paid Monthly
|
Paid Monthly
|
Paid Monthly
|
| * APY: Annual Percentage Yield. |
Top
Savings Certificates (CDs) Rates as of 03/25/08 - Disclosure - More Information
Term |
3 Months
|
6 Months
|
1 Year
|
Balances
$500 - $49,999.99 |
APY*
|
APY*
|
APY*
|
|
2.50
|
2.75
|
2.90
|
$50,000 and Over |
2.75
|
3.00
|
3.15
|
|
Term |
2 Years
|
3 Years
|
4 Years
|
5 Years |
Balances
$500 - $49,999.99 |
APY*
|
APY*
|
APY*
|
APY* |
|
3.00
|
3.20
|
3.50
|
4.00 |
$50,000 and Over |
3.25 |
3.45 |
3.75 |
4.25 |
* APY: Annual Percentage Yield.
One time rate bump option available on 48 and 60 months CD.
|
Top
SmartMoney Savings Certificates (CDs for young members with a SmartMoney account)
Rates as of 03/25/08 - Disclosure - More Information
Term |
1 Year
|
2 Years
|
Balance
$500 or more |
APY*
|
APY*
|
|
2.90
|
3.00
|
* APY: Annual Percentage Yield.
|
Top
Moolah Savings Certificates (CDs for young members with a Moolah account)
Rates as of 03/25/08 - Disclosure - More Information
Term |
3 Months
|
6 Months
|
1 Year
|
Balances
$500 - $49,999.99 |
APY*
|
APY*
|
APY*
|
|
2.50
|
2.75
|
2.90
|
$50,000 and Over |
2.75
|
3.00
|
3.15
|
|
Term |
2 Years
|
3 Years
|
4 Years
|
5 Years |
Balances
$500 - $49,999.99 |
APY*
|
APY*
|
APY*
|
APY* |
|
3.00
|
3.20
|
3.50
|
4.00 |
$50,000 and Over |
3.25 |
3.45 |
3.75 |
4.25 |
* APY: Annual Percentage Yield.
One time rate bump option available on 48 and 60 months CD.
|
Top
Consumer Loan Rates as of 04/03/08 - More Information - loans@usuccu.org 
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.
Rates on cars, trucks, travel trailers, motor homes, and power boats are based on credit report information and a qualifying automatic loan payment method. Please contact a USUCCU loan associate for additional details.
Current rates are as low as:
New and Used Cars
and Trucks |
Loan Amount |
Term of Loan |
Interest Rate |
Up to $5,000 |
Months |
% APR**
|
$5,000.01 or more |
Months |
% APR**
|
|
Months |
% APR**
|
$15,000 or more |
Months |
% APR**
|
$25,000 or more |
Months |
% APR**
|
Travel Trailers
Motor Homes
Powerboats |
Loan Amount |
Term of Loan |
Interest Rate |
$5,000 or less |
Months |
% APR**
|
$5,001 - $8,000 |
Months |
% APR**
|
|
Months |
% APR**
|
|
Months |
% APR**
|
$8,001 - $15,000 |
Months |
% APR**
|
|
Months |
% APR**
|
$15,001 - $20,000 |
Months |
% APR**
|
$20,001 or more |
Months |
% APR**
|
** APR: Annual Percentage Rate.
Vehicle Loan Examples: |
Loan Amount |
APR
As Low As |
Monthly Payment |
$5,000 for 48 months |
8.60 % APR** |
$123.50 |
$10,000 for 48 months |
4.60 % APR** |
$228.50 |
$10,000 for 60 months |
4.60 % APR** |
$186.91 |
$15,000 for 72 months |
4.90 % APR** |
$240.91 |
$25,000 for 84 months |
5.60 % APR** |
$360.49 |
** APR: Annual Percentage Rate.
Use our Auto Calculator Service to create your own payment example.
- Owner-occupied properties located in Utah, Idaho, and Wyoming.
- Minimum Credit Line of $10,000
- No Closing Fees
For further information including insurance requirements, origination fees, and non-use fees, please review our FlexEquity Disclosures.
Loan Program |
LTV
|
Variable Rate this Quarter
|
|
FlexEquity
Line of Credit |
70% LTV or less
|
5.00% APR **
|
(.25% under the prime rate) |
|
71% to 80% LTV
|
5.25% APR **
|
(prime rate) |
|
81% to 90% LTV
|
7.00% APR **
|
(1.75% over the prime rate) |
** APR: 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 the above rates.
To learn more about other types of loans available, please
visit our Home
Finance Center on this site or by calling us at 753-4080
or 800-248-6361.
Personal Line of Credit Rates as of 04/01/08 - loans@usuccu.org
(Includes Overdraft and Personal Line of Credit)
|
info@usuccu.org
|
