Loan Rates

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Rates

Below is a Rate Schedule so you can quickly review the rates offered at USU Credit Union. These rates can change periodically.

	General Membership Agreement		Consumer Loan Rates
	Savings Certificates (CDs) Rates		VISA Credit Card Rate
	SmartMoney Savings Certificates (CDs) Rates		Personal Line of Credit Rate
	Moolah Savings Certificates (CDs) Rates		FlexEquity Loan Rates

Savings Certificates (CDs) Rates as of 4/12/11

Term	3 Months	6 Months	1 Year	2 Years	3 Years	4 Years	5 Years
Balances	APY*	APY*	APY*	APY*	APY*	APY*	APY*
$500 and Over	Not Available	Not Available	Not Available	0.30	0.50	1.00	1.25

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

SmartMoney Savings Certificates Rates as of 4/12/11
(CDs for young members with a SmartMoney account)

Term	1 Year	2 Years
Balances	APY*	APY*
$500 and Over	Not Available	0.30

* APY: Annual Percentage Yield.

Moolah Savings Certificates Rates as of 4/12/11
(CDs for young members with a Moolah account)

Term	3 Months	6 Months	1 Year	2 Years	3 Years	4 Years	5 Years
Balances	APY*	APY*	APY*	APY*	APY*	APY*	APY*
$500 and Over	Not Available	Not Available	Not Available	0.30	0.50	1.00	1.25

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

Consumer Loan Rates as of 09/21/12

Use the Auto Calculator Service to prepare for your purchase.

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

Rates are on approved credit and certain, additional conditions may be required. 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 or more	48 Months	2.89% APR**
	60 Months	2.89% APR**
$15,000 or more	72 Months	3.39% APR**
$25,000 or more	84 Months	4.14% APR**

**APR: Annual Percentage Rate

Travel Trailers, Motor Homes and Powerboats
Loan Amount	Term of Loan	Interest Rate
$5,000 or more	48 Months	4.69% APR**
	60 Months	4.69% APR**
	72 Months	4.94% APR**
$8,000 or more	84 Months	5.19% APR**
	120 Months	5.44% APR**
$15,000 or more	144 Months	5.69% APR**
$20,000 or more	180 Months	6.69% APR**

**APR: Annual Percentage Rate

Loan Amount	APR	Monthly Payment
$10,000 for 48 months	2.89% APR**	$220.88
$10,000 for 60 months	2.89% APR**	$179.22
$15,000 for 72 months	3.39% APR**	$230.56
$25,000 for 84 months	4.14% APR**	$343.39

**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 contact us at 435-753-4080 or 800-248-6361.

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 01/01/10

As low as 10.00% APR**. This rate may vary.

**APR: Annual Percentage Rate.

For further information, please contact us at 435-753-4080 or 800-248-6361.

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.