United Bay Community Credit Union Rates

All rates are effective as of 12/1/2008 at 12:01 a.m. EST and are subject to change.

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The following links will direct you to rates for
United Bay Community Credit Union Savings and Loan Products.

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.


Savings / Share Account and Club Rates

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.		 1.50% 1.51%
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%

 

Share Certificate Interest Rates &
IRA Share Certificate Interest Rates
Length of Certificate Annual
Percentage
Rate (APR)		 Annual
Percentage
Yield (APY)
6 Months
A minimum deposit of $500.00 is required.
A penalty will be imposed for early withdrawal.      
Interest is compounded and paid monthly.                                     		2.810% 2.85%
12 Months
A minimum deposit of $500.00 is required.
A penalty will be imposed for early withdrawal.
Interest is compounded and paid monthly.		 3.633% 3.70%
18 Months
A minimum deposit of $500.00 is required.
A penalty will be imposed for early withdrawal.
Interest is compounded and paid monthly.		 3.682% 3.75%
2 Years
A minimum deposit of $500.00 is required.
A penalty will be imposed for early withdrawal.
Interest is compounded and paid monthly.		 3.730% 3.80%
3 Years
A minimum deposit of $500.00 is required.
A penalty will be imposed for early withdrawal.
Interest is compounded and paid monthly.		 4.018% 4.10%
4 Years
A minimum deposit of $500.00 is required.
A penalty will be imposed for early withdrawal.
Interest is compounded and paid monthly.		 4.114% 4.20%
5 Years
A minimum deposit of $500.00 is required.
A penalty will be imposed for early withdrawal.
Interest is compounded and paid monthly.                                 		4.162% 4.25%

 

Vehicle Loan Rates 
Model Years of Vehicle

Maximum Length
of Loan

 Annual
Percentage
Rate (APR)*
2009 New
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.                                 		Up to 72 months 4.99%
2008 Used
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 Up to 60 months 4.99%
2007-2005
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 Up to 54 months 4.99%
2004-2003
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 Up to 48 months 4.99%
2002-2001
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 Up to 36 months 4.99%
2000-Older
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 Up to 30 months 4.99%

 

Sport Vehicle Loan Rates

Maximum Length of Loan

 Annual Percentage Rate (APR)*
Up To 60 months
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 4.99%
61 To 120 months
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 7.00%

 


Recreation Vehicle Loan Rates

Maximum Length of Loan

 Annual Percentage Rate (APR)*
Up To 60 months
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 4.99%
61 To 120 months
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 7.00%

 

Miscellaneous Loan Rates

Maximum Length of Loan

 Annual Percentage Rate (APR)*
Up To 60 months
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 9.50%

 

Credit Card Rates

Type of Credit Card

 Annual Percentage Rate (APR)*
VISA® Classic and Platinum
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 8.96%

 

Student Loan Rates

Type of Credit Card

 Annual Percentage Rate (APR)*
Parent-Student Loan
Financed up to 36 months.
$2,500.00 maximum per grade level.
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 9.50%

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

 

Mortgage Rates

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.

 

Home Equity Loan Rates

Type of Loan

 Annual Percentage Rate (APR)*
Home Equity Line of Credit 
Variable rate - Up to 20 year amortization.
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 As low as New York Prime
Minus 1% (-) @ 80% LTV
Interest rate floor 6% - ceiling 18%
Maximum annual interest rate increase = 2%
Home Equity Line of Credit 
Variable rate - Up to 20 year amortization.
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 As low as New York Prime
@ 90% LTV
Interest rate floor 6% - ceiling 18%
Maximum annual interest rate increase = 2%
Home Equity Fixed 10 Year
Balloon Loan 
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 As low as New York Prime
@ 80% LTV
Interest rate floor 6% - ceiling 18%
Maximum annual interest rate increase = 2%
Home Equity Fixed 10 Year
Balloon Loan 
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 As low as New York Prime
@ 90% LTV
Interest rate floor 6% - ceiling 18%
Maximum annual interest rate increase = 2%

 

Mobile Home Loan Rates

Maximum Length of Loan

 Annual Percentage Rate (APR)*
Up To 60 months for 2004-2009 models.
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 4.99%
61 To 120 months for 2004-2009 models.
*Experian/Fair Issac Risk Model Credit Score 
determines which rate you qualify for.		 7.00%

 

 

Mission Statement

The mission of United Bay Community Credit Union is to be our members' primary financial institution, providing them with quality, confidential, professional and personal service, while maintaining a sound and stable credit union.