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

Rates based on a FICO score 720 or above and subject to change.

Rates updated November 11, 2025

New and Used Auto Loans

Length of Repayment APR**
36 Months 4.69%*
48 Months 5.25%*
60 Months 5.47%*
72 Months 5.79%*
84 Months 6.44%*
**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 9.49%*
48 Months 10.24%*
60 Months 11.49%*
72 Months 12.74%*
**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.

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 5.49%*
48 Months 6.49%*
60 Months 7.49%*
72 Months 8.49%*
**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 6.25%*
84 Months 6.50%*
96 Months 6.75%*
108 Months 7.25%*
120 Months 7.50%*
**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.

New & Used Watercraft

Length of Repayment APR**
36 Months 6.74%*
48 Months 7.25%*
60 Months 7.75%*
72 Months 8.25%*
**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