Savings, Share Account & Club Rates
Savings, Checking, Money Manager as well as 
Youth and Club Accounts.                                 

Credit Card Rates
Rates for our no annual fee credit card programs.

Share Certificate &
IRA Share Certificate Interest Rates
Share Certificate and IRAs.                               

Student Loan Rates
Rates for student Loans.

Vehicle Loan Rates
Rates for New, Used and Refinanced Cars,
Motorcycles, Trucks, Vans and Classic Car Loans.

Mortgage Rates
Rates for Fixed-Rate and Adjustable Rate Loans.

Sport Vehicle Loan Rates
Rates for New, Used and Refinanced Snowmobiles, 
Personal Watercraft and All Terrain Vehicle Loans. 

Home Equity Loan Rates
Rates for our Home Equity Loan Rates

Recreation Vehicle Loan Rates
Rates for New, Used and Refinanced Boats,
Motorcycles and RVs Loans. 

Mobile Home Loan Rates
Rates for New and Used Mobile Home Loans.

Miscellaneous Loan Rates
Rates for Signature Loans.

Account Type

Annual
Percentage
Rate (APR)

Annual
Percentage
Yield (APY)

Regular Share
Minimum balance of $5.00 required.
Interest is compounded and paid quarterly.

0.50%

0.50%

Escrow Account
The minimum balance required to earn the stated APY is $5.00.     
Interest is compounded and paid quarterly.

0.50%

0.50%

Insured Money Manager Accounts (IMMA)
The minimum balance required is $1,500.00.
Interest is compounded and paid monthly.

0.995%

1.00%

Christmas Club
The minimum balance required to earn the stated APY is $5.00.
Interest is compounded and paid annually.

0.50%

0.50%

Vacation Club
The minimum balance required to earn the stated APY is $5.00.
Interest is compounded and paid quarterly.

0.50%

0.50%

Moola Moola & CUSucceed Club
Minimum balance of $5.00 required.
Interest is compounded and paid quarterly.

0.50%

0.50%

IRA Savings Account
The minimum balance required to earn the stated APY is $5.00.
Interest is compounded and paid quarterly.

0.75%

0.75%

Length of Certificate

Annual
Percentage
Rate (APR)

Annual
Percentage
Yield (APY)

3 Months

0.499%

0.50%

6 Months

0.698%

0.70%

Youth 6 Months
A minimum deposit of $25.00 is required.

1.489%

1.50%

12 Months

1.193%

1.20%

18 Months

1.292%

1.30%

24 Months

1.784%

1.80%

30 Months

1.980%

2.00%

36 Months

2.225%

2.25%

48 Months

2.469%

2.50%

60 Months

2.713%

2.75%

Jumbo
A minimum deposit of $100,000.00 is required.
Interest is compounded and paid at maturity.  

Call for rate information

Model Years of Vehicle

Maximum Length
of Loan

Annual
Percentage
Rate (APR)*

2010

Up to 72 months

4.50%

2009

Up to 60 months

4.50%

2008-2007

Up to 54 months

4.50%

2006-2004

Up to 48 months

4.50%

2003-2002

Up to 36 months

4.50%

2001-Older

Up to 30 months

4.50%

Maximum Length of Loan

Annual Percentage Rate (APR)*

Up To 60 months

4.50%

61 To 120 months

6.50%

Maximum Length of Loan

Annual Percentage Rate (APR)*

Up To 60 months

4.50%

61 To 120 months

6.50%

Maximum Length of Loan

Annual Percentage Rate (APR)*

Up To 60 months

9.50%

Type of Credit Card

Annual Percentage Rate (APR)*

VISA© Platinum

8.96%

Type of Student Loan

Annual Percentage Rate (APR)*

Parent-Student Loan
Financed up to 36 months.
$2,500.00 maximum per grade level.

9.50%

UBCCU has partnered with Nelnet to offer robust student loans.
Click here for current rates and more information.

UBCCU has partnered with United Bay Area Mortgage to offer an extensive menu of products and services. Click here for current rates and more information.

Type of Loan

Annual Percentage Rate (APR)*

Home Equity Line of Credit 
Variable rate - Up to 20 year amortization.

As low as New York Prime Minus 1% (-) @ 80% LTV

Home Equity Line of Credit 
Variable rate - Up to 20 year amortization.

As low as New York Prime @ 90% LTV

Home Equity Fixed 10 Year Balloon Loan 

As low as New York Prime @ 80% LTV

Home Equity Fixed 10 Year Balloon Loan 

As low as New York Prime @ 90% LTV

Maximum Length of Loan

Annual Percentage Rate (APR)*

Up To 60 months for 2005-2010 models

4.50%

61 To 120 months for 2005-2010 models

6.50%