Savings Rates

Christmas & Vacation Savings

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield** Dividend Declaration Date
Christmas Club Variable $5.00 $5.00 0.25% 0.25% 10/31/2024
Vacation Club Variable $5.00 $5.00 0.25% 0.25% 10/31/2024

Share Accounts

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield** Dividend Declaration Date
Regular Shares Variable $50.00 $200.00 0.10% 0.10% 10/31/2024
Youth Shares Variable $25.00 $25.00 0.10% 0.10% 10/31/2024
Share Draft Variable $0.00 $0.00 0.00% 0.00% 10/31/2024
Youth Share Draft Variable $0.00 $0.00 0.00% 0.00% 10/31/2024
Payroll Shares Variable $0.00 $200.00 0.03% 0.03% 10/31/2024
Christmas Club Variable $5.00 $5.00 0.25% 0.25% 10/31/2024
Vacation Club Variable $5.00 $5.00 0.25% 0.25% 10/31/2024

Share Certificates

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield** Dividend Declaration Date
6 Months Fixed $500.00 $500.00 2.72% 2.75% 10/31/2024
7 Months*** Fixed $500.00 $500.00 4.12% 4.20% 11/01/2024
1 Year Fixed $500.00 $500.00 3.45% 3.50% 10/31/2024
2 Years Fixed $500.00 $500.00 3.54% 3.60% 10/31/2024
3 Years Fixed $500.00 $500.00 3.78% 3.85% 10/31/2024
4 Years Fixed $500.00 $500.00 3.93% 4.00% 10/31/2024
5 Years Fixed $500.00 $500.00 4.22% 4.30% 10/31/2024
1 Year Youth Fixed $250.00 $250.00 3.69% 3.75% 10/31/2024

***7 Months CD is special promo rate certificate. Only available for new money only with a $200k maximum.

IRA Certificates

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield** Dividend Declaration Date
1 Year Fixed $5.00 $5.00 3.45% 3.50% 10/31/2024
2 Years Fixed $5.00 $5.00 3.54% 3.60% 10/31/2024
3 Years Fixed $5.00 $5.00 3.78% 3.85% 10/31/2024
4 Years Fixed $5.00 $5.00 3.93% 4.00% 10/31/2024
5 Years Fixed $5.00 $5.00 4.22% 4.30% 10/31/2024
*Rates Subject to change
**Annual Precentage Yield
Youth Certificates may have unlimited deposits
Early Withdrawals are subject to loss of interest penalty

Loan Rates

Rate Based on FICO Score

New and Used Auto Loans

Length of Repayment APR** Declaration Date
36 Months 5.99%* 10/31/2024
48 Months 5.99%* 10/31/2024
60 Months 6.80%* 10/31/2024
72 Months 7.00%* 10/31/2024
84 Months 7.65%* 10/31/2024
**Annual Percentage Rate *Rates As Low As & Subject to Change  
Optional UPSEFCU GAP and Mechanical Repair Coverage Insurance. UPSEFCU GAP Policy is $625. 120% Financing of Low Kelly Blue Book Value. Ask your Loan Officer for more details.

Signature Loans

Length of Repayment APR** Declaration Date
36 Months 10.79%* 10/31/2024
48 Months 11.54%* 10/31/2024
60 Months 12.79%* 10/31/2024
**Annual Percentage Rate *Rates As Low As & Subject to Change  

New and Used Motorcycle Loans

Length of Repayment APR** Declaration Date
36 Months 5.74%* 10/31/2024
48 Months 6.74%* 10/31/2024
60 Months 7.74%* 10/31/2024
72 Months 8.74%* 10/31/2024
**Annual Percentage Rate *Rates As Low As & Subject to Change  
Optional UPSEFCU GAP Insurance. UPSEFCU GAP Policy is $625. 100% Financing of Low Kelly Blue Book Value. Ask your Loan Officer for more details.

New & Used Motor Home/RV & Watercraft

Length of Repayment APR** Declaration Date
60 Months 7.49%* 10/31/2024
72 Months 8.19%* 10/31/2024
84 Months 9.09%* 10/31/2024
**Annual Percentage Rate *Rates As Low As & Subject to Change

Other Loans

Loan Type APR** Terms
Visa Credit Card 10.50%* good payment history with other creditors, and DTI under 55%
Overdraft Protection/Line of Credit 10.99%* 4% Of Balance Due
Fast Application 19.50%* & 28.00%* $500.00 Maximum & $1,000 Maximum
Real Estate Loans Market Rates* 1st
**Annual Percentage Rate *Rates As Low As & Subject to Change