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United Bay Community Credit Union Rates

All rates are effective as of 3/24/2014 and are subject to change without prior notice. Other terms and conditions may apply.

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

Savings Rates

Loan Rates

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

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

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

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


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

 

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

 

Student Loan Rates
Rates for student Loans.

 

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

 

Home Equity Loan Rates
Rates for our Home Equity Loan Rates

 

Unsecured Loan Rates
Rates for Signature and Uncollaterized Loans.

Savings / Share Account and Club Rates

Average daily balance is used to determine Savings/Share rates tiers.

Account Type
Annual
Percentage
Rate (APR)
Annual
Percentage
Yield (APY)

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

 

0.02%

0.02%

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

 

0.02%

0.02%

Insured Money Manager Accounts (IMMA)
The minimum balance required to earn the stated APY is $5.00. Interest is compounded and paid monthly.

Balance of $0.00 to $15,000.99

0.02%

0.02%

Balance of $15,001.00 to $50,000.99

0.05%

0.05%

Balance of $50,001.00 and over

0.10%

0.10%

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

 

0.02%

0.02%

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

 

0.02%

0.02%

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

 

0.02%

0.02%

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

 

0.02%

0.02%

Share Certificate Interest Rates & IRA Share Certificate Interest Rates

All Certificates have the following terms, unless noted otherwise: minimum deposit of $500.00 is required; a penalty will be imposed for early withdrawal; interest is compounded and paid monthly.  

Length of Certificate
Annual
Percentage
Rate (APR)
Annual
Percentage
Yield (APY)

3 Months

0.020%

0.020%

6 Months

0.020%

0.020%

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

0.499%

0.500%

12 Months

0.050%

0.050%

18 Months

0.100%

0.100%

24 Months

0.100%

0.100%

30 Months

0.100%

0.100%

36 Months

0.150%

0.150%

48 Months

0.200%

0.200%

60 Months

0.499%

0.500%

Vehicle Loan Rates*

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

Maximum Length
of Loan*
Annual
Percentage
Rate (APR) as low as*†
Requirements

Up to 48 months

1.99%

 

Up to 60 months

2.25%

 

Up to 72 months

2.75%

$15,000.00 or greater

Up to 84 months

3.50%

$25,000.00 or greater

 

*Experian/Fair Issac Risk Model Credit Score, term of loan, vehicle value, and loan amount are used to determine which rate you qualify for. Rates, terms, and conditions vary based on credit score, qualifications, and value. All loans are subject to approval and rates are subject to change without notice.
†Loans may be subject to a 0.25% rate reduction if a direct deposit and automatic payment are set for the loan

Recreational Vehicle Loan Rates*

Rates for New, Used and Refinanced Boats, Motor Homes, Fifth Wheel and Travel Trailers.

Maximum Length
of Loan*
Annual
Percentage
Rate (APR) as low as*†
Requirements

Up to 48 months

2.49%

 

Up to 60 months

2.75%

 

Up to 72 months

3.25%

 

Up to 84 months

4.00%

 

Up to 120 months

4.75%

$18,000.00 or greater

5 year Balloon, Up to 120 Months

4.25%

$18,000.00 or greater

 

*Experian/Fair Issac Risk Model Credit Score, term of loan, vehicle value, and loan amount are used to determine which rate you qualify for. Rates, terms, and conditions vary based on credit score, qualifications, and value. All loans are subject to approval and rates are subject to change without notice.
†Loans may be subject to a 0.25% rate reduction if a direct deposit and automatic payment are set for the loan

Sport & Recreational Vehicle Loan Rates*

Rates for New, Used and Refinanced Utility Vehicles/Trailers, Truck/Tent Campers, Snowmobiles, Lawn Tractors, Personal Watercraft and All-Terrain Vehicle Loans.

Maximum Length
of Loan*
Annual
Percentage
Rate (APR) as low as*†
Requirements

Up to 48 months

3.49%

 

Up to 60 months

3.75%

 

Up to 72 months

4.25%

$8,000.00 or greater

 

*Experian/Fair Issac Risk Model Credit Score, term of loan, vehicle value, and loan amount are used to determine which rate you qualify for. Rates, terms, and conditions vary based on credit score, qualifications, and value. All loans are subject to approval and rates are subject to change without notice.
†Loans may be subject to a 0.25% rate reduction if a direct deposit and automatic payment are set for the loan

Unsecured Loan Rates*

Rates for signature and uncollateralized loans.

Maximum Length of Loan
Annual Percentage Rate (APR) as low as*†

Up To 48 months

As low as 9.50%

Up To 60 months

As low as 9.75%

 

*Experian/Fair Issac Risk Model Credit Score, term of loan, vehicle value, and loan amount are used to determine which rate you qualify for. Rates, terms, and conditions vary based on credit score, qualifications, and value. All loans are subject to approval and rates are subject to change without notice.
†Loans may be subject to a 0.25% rate reduction if a direct deposit and automatic payment are set for the loan

Credit Card Rates*

Type of Credit Card
Annual Percentage Rate (APR) as low as*

VISA© Platinum

8.96%

 

*Experian/Fair Issac Risk Model Credit Score, term of loan, vehicle value, and loan amount are used to determine which rate you qualify for. Rates, terms, and conditions vary based on credit score, qualifications, and value. All loans are subject to approval and rates are subject to change without notice.

Student Loan Rates*

Type of Student Loan
Annual Percentage Rate (APR) as low as*

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.

*Experian/Fair Issac Risk Model Credit Score, term of loan, vehicle value, and loan amount are used to determine which rate you qualify for. Rates, terms, and conditions vary based on credit score, qualifications, and value. All loans are subject to approval and rates are subject to change without notice.

Mortgage Rates

Please call the Credit Union for information regarding mortgage rates.

Home Equity Loan Rates*

All Home Equity Loans have the following terms, unless noted otherwise: interest rate floor 6% - ceiling 18%; maximum annual interest rate increase = 2%.

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 Fixed 10 Year Balloon Loan 

As low as New York Prime @ 80% LTV

*Experian/Fair Issac Risk Model Credit Score, term of loan, vehicle value, and loan amount are used to determine which rate you qualify for. Rates, terms, and conditions vary based on credit score, qualifications, and value. All loans are subject to approval and rates are subject to change without notice.

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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.

 
      
     

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