Savings Rates

Christmas & Vacation Savings

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield**
Christmas Club Variable $5.00 $5.00 0.25% 0.25%
Vacation Club Variable $5.00 $5.00 0.25% 0.25%

Share Accounts

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield**
Regular Shares Variable $50.00 $200.00 0.10% 0.10%
Youth Shares Variable $25.00 $25.00 0.10% 0.10%
NEW Money Market*** Variable $500.00 $500.00 1.25% 1.25%
Share Draft Variable $0.00 $0.00 0.00% 0.00%
Youth Share Draft Variable $0.00 $0.00 0.00% 0.00%
Payroll Shares Variable $0.00 $200.00 0.03% 0.03%

***Starting May 1st, Money Market accounts are here! 1.25% APY promotional rate from May 1st through November 1st, 2025. After Nov. 1st, the rate is subject to change. Offered for NEW Money only with a $500 minimum opening deposit and $50,000 maximum deposit.

Share Certificates

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield**
6 Months Fixed $500.00 $500.00 2.72% 2.75%
1 Year Fixed $500.00 $500.00 3.45% 3.50%
2 Years Fixed $500.00 $500.00 3.54% 3.60%
3 Years Fixed $500.00 $500.00 3.78% 3.85%
4 Years Fixed $500.00 $500.00 3.83% 3.90%
5 Years Fixed $500.00 $500.00 3.98% 4.05%
1 Year Youth Fixed $250.00 $250.00 3.69% 3.75%

IRA Certificates

Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate* Annual Percentage Yield**
1 Year Fixed $5.00 $5.00 3.45% 3.50%
2 Years Fixed $5.00 $5.00 3.54% 3.60%
3 Years Fixed $5.00 $5.00 3.78% 3.85%
4 Years Fixed $5.00 $5.00 3.83% 3.90%
5 Years Fixed $5.00 $5.00 3.98% 4.05%
*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**
36 Months 4.99%*
48 Months 5.49%*
60 Months 5.72%*
72 Months 6.24%*
84 Months 6.74%*
**Annual Percentage Rate *Rates As Low As & Subject to Change
**APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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**
36 Months 9.99%*
48 Months 10.74%*
60 Months 11.99%*
72 Months 13.24%*
**Annual Percentage Rate *Rates As Low As & Subject to Change
**APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

Share Secured Loan

Length of Repayment APR**
36-72 Months 3.10%*
**Annual Percentage Rate *Rates As Low As & Subject to Change
**APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

New and Used Motorcycle Loans

Length of Repayment APR**
36 Months 5.74%*
48 Months 6.74%*
60 Months 7.74%*
72 Months 8.74%*
**Annual Percentage Rate *Rates As Low As & Subject to Change
**APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
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

Length of Repayment APR**
60 Months 6.50%*
84 Months 6.75%*
96 Months 7.00%*
108 Months 7.50%*
120 Months 7.75%*
**Annual Percentage Rate *Rates As Low As & Subject to Change
**APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

New & Used Watercraft

Length of Repayment APR**
36 Months 6.99%*
48 Months 7.50%*
60 Months 8.00%*
72 Months 8.50%*
**Annual Percentage Rate *Rates As Low As & Subject to Change
**APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.

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