Rates

Loans

RATES ACCURATE AS OF: July 1, 2009

Home Loan Rates can be found in the Home Loan Center.

(Subject to change at any time. UICCU not responsible for typographical errors or ommissions. Actual rate may be higher based on credit history and borrower's selected payment method .)

Auto Loans* Annual Percentage Rate Term
2010/2009 5.94 66
2008 6.02 66
2007 6.14 66
2006 6.34 66
2005 6.69 66
2004 7.60 66
2003 8.19 54
2002/2001 8.74 54
Home Equity Loans Annual Percentage Rate Term
Fixed Rate Home Equity** 5.50 60
Fixed Rate Home Equity** 5.75 120
Fixed Rate Home Equity** 6.00 180
Fixed Rate Home Equity Credit Line*** 5.50 60
Variable Rate Home Equity Credit Line**** 4.50 60
Personal and Recreational Loans Annual Percentage Rate Term
Secured Personal 9.79 n/a
Deposit Secured - 3% over pledged account yield    
Unsecured Personal 10.29 n/a
Recreational Vehicles and Motorcycles - New 7.54 Based on loan size
Recreational Vehicles and Motorcycles - Used (1995 or newer) 7.74 Based on loan size
Credit Cards¹ (See Introductory Rate information below) Annual Percentage Rate Intro Rate
Cash Rewards Platinum Visa (up to 1% cash back on purchases) 9.90% to 18.99% fixed rate based on credit score at time of application 0% for 3 months
  • *Auto Loans

    Simple interest used to calculate payment. For example, for a $20,000 auto loan at a term of 66 months with a rate of 7.19%, the payment would be $368. Extended terms: Add .25% for each additional 6-months in excess of term (as stated above), up to 84 months. Please call for motorcycle rates. The Annual Percentage Rate you receive will be based upon credit scoring criteria. Please call or apply online in the applications section to have us calculate your rate. Vehicles models older than 2000 will be at the personal loan rate. Homeowners should ask about our TaxSaver or home equity loan product for possible tax savings (consult your tax advisor).

  • **Fixed Rate Home Equity Loans

    Home Equity Loans are fixed rate loans for fixed terms (5, 10, or 15 years). Use up to 100% of your equity. Rate above assumes a LTV of 80% or less and a beacon of 700 or above. $125 closing costs, unless full appraisal needed. Homeowners insurance required. Consult your tax advisor on tax deductibility. No prepayment penalties.

  • ***Fixed Rate Home Equity Line of Credit

    Home Equity Lines of Credit are fixed rate loans for a fixed term. Use up to 100% of your equity. Rate is based on credit history and loan-to-value (LTV). Rate above assumes a LTV of 80% or less and a beacon of 700 or above. $125 closing costs, unless full appraisal needed. Homeowners insurance required. Consult your tax advisor on tax deductibility. The minimum monthly payments will not be sufficient to repay the principal outstanding on your line of credit at the end of your loan term. At the end of your loan term, you will be required to pay the entire remaining balance in a single payment. No prepayment penalties.

  • ****Variable Rate Home Equity Credit Line

    The annual percentage rate may change and will be based on the value of an index. The index is the base rate on corporate loans posted by at least 75% of the nation's 30 largest banks known as The Wall Street Prime Rate and is publisted in The Wall Street Journal ( Index ). The annual percentage rate may increase if the Index rate increases. An Index rate increase will result in a higher finance charge and it may have the effect of increasing your periodic Minimum Payment. A decrease in the Index rate will have the opposite effect as an increase. An Index rate increase or decrease will take effect on the first day of the month. The annual percentage rate can increase or decrease monthly. The minimum monthly payments will not be sufficient to repay the principal outstanding on your line of credit at the end of your loan term. At the end of your loan term, you will be required to pay the entire remaining balance in a single payment.

  • ¹Credit Cards

    Platinum Visa cardholders receive a 0 % APR for the first three billing cycles. Introductory rate does not apply to conversions from other UICCU cards. There are no annual fees on UICCU cards.

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Savings

RATE ACCURATE AS OF: July 1, 2009 (Subject to change at any time)

Savings & Money Markets*

Money Market rates may vary after the account is opened. APY listed above is accurate as of the last dividend declaration date. Fees could reduce earnings.

Minimum to open and earn Annual Percentage Yield*
Savings Accounts (Limit 3 withdrawals per month)
Share Savings Account** - $100 average daily balance   0.350
Share Savings Account** - $1,000 average daily balance   0.350
Share Savings Account** - $25,000 average daily balance   0.350
BIG SAVINGS ACCOUNT** - $25,000 - $99,999 average daily balance $25,000 1.250
BIG SAVINGS ACCOUNT** - $100,000 - $249,999 average daily balance $25,000 1.500
BIG SAVINGS ACCOUNT** - $250,000 or more average daily balance $25,000 1.750
Platinum Money Market** - $5,000 - $24,999 average daily balance $5,000 0.350
Platinum Money Market** - $25,000 - $49,999 average daily balance $5,000 0.600
Platinum Money Market** - $50,000 - $99,999 average daily balance $5,000 0.5050
Platinum Money Market** - $100,000 - $499,999 average daily balance $5,000 0.750
>Platinum Money Market** - $500,000 or more average daily balance $5,000 1.000
HSA Savings Account¹ - $100 average daily balance   0.250
HSA Savings Account¹ - $1,000 average daily balance   0.250
HSA Savings Account¹ - $25,000 average daily balance   0.250
Checking Accounts**

For checking accounts that pay a dividend, rates may vary after the account is opened. APY listed above is accurate as of the last dividend declaration date. Fees could reduce earnings on the account.

Minimum to open Annual Percentage Yield*
Rewards Checking (Qualified Accounts)*** - $0 to $24,999 average daily balance $0 4.250
Rewards Checking (Qualified Accounts)*** - $25,000 to $49,999 average daily balance $0 1.500
Rewards Checking (Qualified Accounts)*** - $50,000 or greater average daily balance $0 1.000
Rewards Checking (Non-Qualified Accounts)*** - $0 to $49,999 average daily balance $0 0.100
Rewards Checking (Non-Qualified Accounts)*** - $50,000 or greater average daily balance $0 0.100
Free Checking   0.000
Iowa One Checking** - $2,500 to $9,999 average daily balance $2,500 0.350
Iowa One Checking** - $10,000 to $24,999 average daily balance $2,500 0.350
Iowa One Checking** - $25,000 to $49,999 average daily balance $2,500 0.350
Iowa One Checking** - $50,000 to $99,999 average daily balance $2,500 0.350
Iowa One Checking** - $100,000 or greater average daily balance $2,500 0.350
Prime Club Checking** - $2,500 to $9,999 average daily balance $2,500 0.350
Prime Club Checking** - $10,000 to $24,999 average daily balance $2,500 0.350
Prime Club Checking** - $25,000 to $49,999 average daily balance $2,500 0.350
Prime Club Checking** - $50,000 to $99,999 average daily balance $2,500 0.350
Prime Club Checking** - $100,000 or greater average daily balance $2,500 0.350
Membership Checking¹   0.000
Platinum Checking¹ - $2,500 or greater average daily balance $2,500 0.100
HSA (Health Savings Account) Checking¹ - $0 to $999 average daily balance   0.050
HSA (Health Savings Account) Checking¹ - $1,000 to $9,999 average daily balance   0.050
HSA (Health Savings Account) Checking¹ - $10,000 or greater average daily balance   0.100
Business Savings Accounts - Dividends compounded and paid monthly. For checking and savings accounts that pay a dividend, rates may vary after the account is opened. APY listed above is accurate as of the last dividen declaration date. Fees could reduce earnings on the account. Minimum to open Annual Percentage Yield
Business Savings**** - $500 to $2,499 average daily balance   0.350
Business Savings**** - $2,500 to $24,999 average daily balance   0.350
Business Savings**** - $25,000 or greater average daily balance   0.350
Business BIG SAVINGS ACCOUNT**** - $25,000 - $99,999 average daily balance $25,000 1.250
Business BIG SAVINGS ACCOUNT**** - $100,000 - $249,999 average daily balance $25,000 1.500
Business BIG SAVINGS ACCOUNT**** - $250,000 or more average daily balance $25,000 1.750
Business Platinum Savings Account**** - $5,000 to $24,999 average daily balance $5,000 0.350
Business Platinum Savings Account**** - $25,000 to $49,999 average daily balance $5,000 0.600
Business Platinum Savings Account**** - $50,000 to $99,999 average daily balance $5,000 0.750
Business Platinum Savings Account**** - $100,000 to $499,999 average daily balance $5,000 1.000
Business Platinum Savings Account**** - $500,000 or greater average daily balance $5,000 1.250
Business Checking Accounts*

For checking accounts that pay a dividend, rates may vary after the account is opened. APY listed above is accurate as of the last dividend declaration date. Fees could reduce earnings on the account.

Minimum to open Annual Percentage Yield
Community Checking # - $500 to $24,999.99 average daily balance   0.500
Community Checking # - $25,000 to $99,999.99 average daily balance   0.500
Community Checking # - $100,000 or greater average daily balance   0.500
Small Business Checking ##  - $500 to $24,999.99 average daily balance   0.500
Small Business Checking ## - $25,000 to $99,999.99 average daily balance   0.500
Small Business Checking ## - $100,000 or greater average daily balance   0.500
Business Checking ### - $1,000 to $24,999.99 average daily balance   0.500
Business Checking ### - $25,000 to $99,999.99 average daily balance   0.500
Business Checking ### - $100,000 or greater average daily balance   0.500
Commercial Checking #### - $5,000 to $24,999.99 average daily balance   0.500
Commercial Checking #### - $25,000 to $99,999.99 average daily balance   0.500
Commercial Checking #### - $100,000 or greater average daily balance   0.500
  • ¹Platinum Checking, Membership Checking, HSA Checking, and HSA Savings are no longer available for new accounts.
  • *For checking accounts that pay a dividend, rates may vary after the account is opened. APY listed above is accurate as of the last dividend declaration date. Fees could reduce earnings on the account.
  • **Dividends compounded monthly / variable rate may change monthly
  • Share Savings: $0.50 per debit after 3; BIG SAVINGS and Platinum Money Market Account: $5 per debit after 3.
  • *** Rewards Checking Details : Qualified Accounts also receive reimbursement of ATM surchages assessed by other institutions; dividends compound monthly; variable rate may change monthly; to qualify for the premium rate each month you must use our free e-Statement service, access CU-Online (our free Home Banking service), receive an automated deposit to your checking account (via ACH), and have 12 debit card transactions post to your account (excludes PIN transactions).
  • ****Business Savings Account $1 per debit after 3; Business BIG SAVINGS and Business Platinum Savings Account: $10 per debit after 3.
  • # Community Checking: For non-profit organizations. No minimum balance. $500 min average daily balance to avoid a $6 Monthly Maintenance Fee. Per debit fee: $0.15 per debit after 400
  • ## Small Business Checking: No minimum balance. $500 min average daily balance to avoid a $6 Monthly Maintenance Fee. Per debit fee: $0.20 per debit after 100
  • ### Business Checking: No minimum balance. $1,000 min average daily balance to avoid a $8 Monthly Maintenance Fee. Per debit fee: $0.15 per debit after 250
  • #### Commercial Checking: No minimum balance. $5,000 min average daily balance to avoid a $25 Monthly Maintenance Fee. Per debit fee: $0.15 per debit after 400

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Certificates

RATES ACCURATE AS OF: July 1, 2009 (Subject to change at any time)

Certificates of Deposit

Certificates and IRAs Minimum to open CD/IRA APY*
Best Rate Guarantee: If you find a better yield on a CD or IRA, we'll beat it! See details below.
Add to your certificate without changing the rate or maturity date!
Jumbo Bonus: CDs and IRAs of $100,000 or greater receive a 0.15 bonus!
3-6 month $500/$100 1.000
7-12 month $500/$100 1.700
NEW! LIMITED TIME OFFER! 15 month SPECIAL $1,000 2.300
13-24 month $500/$100 2.050
NEW! LIMITED TIME OFFER! 25 month SPECIAL $1,000 2.800
25-36 month $500/$100 2.300
37-48 month $500/$100 2.600
49-60 month $500/$100 2.800
Young Investor CD $100 1.700
Rates on Certificates of $100,000 or greater are 0.15 higher!
  • *APY = Annual Percentage Yield
  • Insured by NCUA up to at least $250,000

    Share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA), $250,000 as of October 3, 2008. The Emergency Economic Stabilization Act of 2008 increased the insurance coverage on all accounts up to $250,000 through 2013.

  • Best Rate Guarantee

    If you find a better advertised yield on a CD or IRA at a local financial institution, the UICCU will beat it. Guarantee available for a limited time only. Applies only to comparably termed CDs with comparable minimum balances offered by federally insured institutions in Johnson County, Iowa. Does not apply in those cases where the credit union does not offer a comparable product. Not available to public organizations or other financial institutions. Maximums apply. Participating members must have and maintain an active checking account relationship with the UICCU. Active is defined as an average of 12 transactions per month or an average of one automated electronic deposit (direct deposit) per month.

  • Add-On Feature

    Add to your CD anytime! Up to $5,000 monthly max, minimum $25 per addition, specials not included.

  • Jumbo Certificates

    Certificates with a balance of at least $100,000 receive a bonus of 0.15 to the Annual Percentage Yield.

  • Certificates

    Minimum deposit of $500 required. Penalty for early withdrawal. 3-6 month dividends compounded at maturity, all other terms compounded quarterly.

  • IRAs

    Traditional, Roth, and SEP IRAs, and Coverdell ESAs. $100 minimum. Penalty for early withdrawal.

  • Young Investor Certificate

    The Young Investor Certificate is designed specifically for our members younger than 18 years of age.  It is a 12 month fixed rate certificate of deposit that allows additional deposits of at least $25 at any time during the term.  Minimum to open is only $100 and it earns a competitive rate!

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