APR ACCURATE AS OF - June 1, 2018. 

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

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Auto/Motorcycle Loans 1 Annual Percentage Rate (APR) Term
2017 Model or newer 3.39 % 69
2016 Model 3.39 % 69
2015 Model 3.39 % 69
2014 Model 3.39 % 69
2013 Model 3.74 % 66
2012 Model 3.74 % 66
2011 Model 3.99 % 54
2010/2009 Model 4.24 % 54
≤ 2008 Model/125,000 Miles+ 7.79 % 48
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Home Equity Loans Annual Percentage Rate (APR) Term
Fixed Rate Home Equity 2 3.99 % 60
Fixed Rate Home Equity 2 4.49 % 120
Fixed Rate Home Equity 2 4.99 % 180
Fixed Rate Home Equity Credit Line 3 3.99 % 60
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Freedom-in-10 Loan 4 Annual Percentage Rate (APR) Term
Freedom-in-10 3.84 % 120
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Personal & Recreational Loans 5 Annual Percentage Rate (APR) Term
Secured Personal 10.74 % Based on Loan Size
Savings Secured
(CDs, IRAs, and Checking Accounts cannot be pledged)
4.00 % Based on Loan Size
Unsecured Personal 11.24 % Based on Loan Size
Recreational Vehicles - New 5.39 % Based on Loan Size
Recreational Vehicles - Used
(1995 or newer)
5.89 % Based on Loan Size
Flood Loan
($5,000 Borrower Maximum)
7.90 % 60 Month Maximum Term
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Credit Cards 6 Annual Percentage Rate (APR) Term
Platinum Rewards MasterCard 12.90 % - 19.90 %
(NON-variable rate based on credit score at a time of application)
0.00 % - 19.90 % APR
(Introductory Rate for 6 months)
Platinum MasterCard 10.90 % - 17.90 %
(NON-variable rate based on credit score at time of application)
0.00 % - 19.90 % APR
(Introductory Rate for 6 months)
Black & Gold MasterCard
(closed to new applicants)
9.00 % - 18.00 %
(VARIABLE rate based on credit score at time of application)

World MasterCard 12.90 % - 19.90 %
(NON-variable rate based on credit score at the time of application)
0.00 % - 19.90 % APR
(Introductory Rate for 6 months)



Auto/Motorcycle Loans
Simple interest used to calculate payment. For example, 69 monthly payments of $15.97 per $1,000 borrowed at 3.39% APR. Extended terms: Add .35% APR for each additional 6-months in excess of term (as stated above), up to 84 months. 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. The payment example does not include taxes or insurance and the actual payment obligation may be greater. Homeowners should ask about our home equity loan product for possible tax savings (consult your tax adviser).
Fixed Rate Home Equity Loans
Home Equity Loans are fixed rate loans for fixed terms (5, 10, or 15 years). For example, 60 monthly payments of $18.41 per $1,000 borrowed at 3.99% APR. The payment example does not include taxes or insurance and the actual payment obligation may be greater. Use up to 100% of your equity. Rate above assumes a LTV of 80% or less and a beacon of 700 or above. $260 closing costs, unless full appraisal needed. Homeowners insurance required. 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. $260 closing costs, unless full appraisal needed. Homeowners insurance required. 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.
Freedom-in-10
Freedom-in-10 example: For a $150,000 loan for a term of 10 years with 3.84% APR, the monthly payment will be $1,507.30. Taxes and insurance premiums are not included in this payment example and the actual payment obligation may be greater. Freedom-in-10 Mortgage is for refinance transactions only. UICCU mortgage must be in first lien position. Maximum 100% loan to value (LTV). Rate will be determined based on LTV and creditworthiness. $260 closing costs, unless full appraisal needed. Homeowners insurance required. Only available in Iowa and Illinois. Other restrictions may apply.
Personal (secured) and Recreational Loans
Personal loan example: 48 monthly payments of $25.72 per $1,000 borrowed at 10.74% APR. Recreational loan example: 66 monthly payments of $17.54 per $1,000 borrowed at 5.39% APR. The payment example does not include taxes or insurance and the actual payment obligation may be greater.
Credit Cards
Cardholders receive an introductory rate for the first number of months as noted above. After the introductory period, the rate will adjust based on credit score at the time of application. There are no annual fees on UICCU cards.

Credit Card Disclosures
Full Rate Disclosures
Cardholder Agreement Disclosures