ALL U.S. Credit Union - Positively Different

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Personal Rates
Effective 08/10/16

Checking Account Rates

Product Balance Dividend Rate% More Info APY% More Info
Checking Less than $5,000 0.00% 0.00%
  $5,000 - $10,000 0.02% 0.02%
  $10,000 - $50,000 0.02% 0.02%
  $50,000 and over 0.02% 0.02%

Savings Account Rates

Product Balance Dividend Rate%More Info APY% More Info
Savings Less than $100 0.00% 0.00%
  >$5,000 0.050% 0.050%
  >$10,000 0.050% 0.050%
  >$50,000 0.050% 0.050%
Club Account $25 - $1,000 0.05% 0.05%
  $1,000 and over 0.05% 0.05%
Youth Savings   0.050% 0.050%

Investment Account Rates

Product Balance Dividend Rate% More Info APY%More Info
Money Market < $2,500 0.050% 0.050%
  < $10,000 0.050% 0.050%
  < $25,000 0.100% 0.100% 
  < $50,000 0.100% 0.100% 
  < $75,000 0.200% 0.200% 
  < $100,000 0.200% 0.200% 
  > $100,000 0.250% 0.250% 
Individual Retirement Account (IRA) Rates $5 TO <$5,000 0.050% 0.050% 
  >$5,000 0.050% 0.050% 

Share and IRA Certificate Rates

Term Minimum Deposit Dividend Rate Annual Percentage
Yield (APY)More Info
3 to 5 months $1,000 0.200% 0.200%
6 to 11 months $1,000 0.200% 0.200%
12 to 23 months $1,000 0.350% 0.351%
24 months + $1,000 0.450% 0.451%
14 Month Special
Minimum Deposit Dividend Rate Annual Percentage Yield (APY)More Info
>$1,000 or more 0.400% 0.400%
20 Month Special
>$1,000 or more 0.500% 0.500%

 

Automobile Loan Rates
Terms Annual Percentage Rate
(APR) as low asMore Info
Up to 36 months 2.49 - 13.99%
Up to 48 months 2.49 - 13.99%
Up to 60 months 2.49 - 13.99%
Up to 72 months 3.99 - 13.99%
Up to 84 months 4.79 - 13.99%

 

Personal and Signature Loans
Terms Annual Percentage Rate
(APR) as low as More Info
Up to 48 months 7.00 - 15.75%
Share or Certificate Secured
Up to 120 months 3% above the rate or Share Secured Certificate loan shared secured (hold 110%)
Credit Card Rates
Terms Annual Percentage Rate
(APR) as low as More Info
Visa® Card 8.99 - 17.25%
Visa share secured
(hold 125%)
13.99%

 

Credit Builder
Terms Annual Percentage Rate
(APR) as low as More Info
Up to 18 months 15.75%
Boat or Jet Ski Loans
Up to 120 months 6.00 -15.00%
Motorcycle Loans
Up to 36 months 4.50 - 13.50%
Up to 48 months 4.50 - 14.50%
Up to 60 months 4.50 - 15.50%
Up to 72 months 5.00 - 16.25%
Up to 84 months 7.00 - 17.00%
Recreational Vehicle Loans
Up to 144 months 6.00 - 15.00%

 

APY = Annual Percentage Yield.
APY is accurate as of 1/28/14. The Dividend Rate and APY may change without notice at the discretion of the allU.S. Credit Union Board of Directors. Fees may reduce earnings on your account. Contact an employee for further information or to obtain current rate information at 1.800.692.2228.

Share savings rates are variable and are declared monthly by the Board of Directors. Rates shown are the most recent as of the effective date. Dividends are paid  and compounded monthly and are calculated using the balance in the account each day.

"Interest" referenced in the context of this page refers to "dividends."

All loans from allU.S. Credit Union are based on approved credit. All loan rates with the exception of Visa Secured and Share/Certificate Secured loans are approved based on individual credit worthiness. We use a combination of the individual's FICO score as well as other factors to determine the rate that will be offered.

*APR (Annual Percentage Rate) assumes .25% for automatic payments. Rates vary with amount financed, and term, and credit history. A rate reduction of 0.25% is offered to those members who have an active checking account with direct deposit, automatic loan payment or automatic transfer. Discontinuance of the qualifying relationship will cause the APR to increase by the applicable rate reduction. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full. Some restrictions apply. Rates, terms, and conditions subjects to change at without notice.

**The maturity date for loans secured by share certificates will be no later than the maturity date of the share certificate used to secure the loan. Share loans require pledging 110% of the loan amount.

This Preferred Rate discount is not available with other discounts or promotions, or with Visa, Share or Certificate Secured loans or Real Estate loans.

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