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Rates
UPSEFCU helps your money go farther with great rates on loans and higher interest rates on deposit accounts. Access our updated rates here.
Holiday & Summer Savings
| Shares Rates - May 1, 2023 |
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|---|---|---|---|---|---|---|
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate | Annual Percentage Yield | Dividend Declaration Date |
| Christmas Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 5/1/2023 |
| Vacation Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 5/1/2023 |
Share Accounts
| Shares Rates - May 1, 2023 |
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|---|---|---|---|---|---|---|
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate | Annual Percentage Yield | Dividend Declaration Date |
| Share Draft | Variable | $25 | $200.00 | 0% | 0% | 5/1/2023 |
| Regular Shares | Variable | $50.00 | $200.00 | 0.10% | 0.10% | 5/1/2023 |
| Payroll Shares | Variable | $0 | $200.00 | 0.03% | 0.03% | 5/1/2023 |
| Christmas Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 5/1/2023 |
| Vacation Club | Variable | $5.00 | $5.00 | 0.25% | 0.25% | 5/1/2023 |
| Youth Shares | Variable | $25.00 | $25.00 | 0.10% | 0.10% | 5/1/2023 |
Share Certificates
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CD RATES |
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|---|---|---|---|---|---|---|
| Account Name | Rate Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend Rate | Annual Percentage Yield | Dividend Declaration Date |
| 6 months | Fixed | $500.00 | $500.00 | 1.25% | 1.25% | 9/1/2023 |
| 1 Year | Fixed | $500.00 | $500.00 | 2.00% | 2.00% | 9/1/2023 |
| 2 Year | Fixed | $500.00 | $500.00 | 2.10% | 2.10% | 9/1/2023 |
| 3 Year | Fixed | $500.00 | $500.00 | 2.20% | 2.20% | 9/1/2023 |
| 4 Year | Fixed | $500.00 | $500.00 | 2.30% | 2.30% | 9/1/2023 |
| 5 Year | Fixed | $1000.00 | $1000.00 | 2.40% | 2.40% | 9/1/2023 |
| 1 Year Youth | Fixed | $250.00 | $250.00 | 2.00% | 2.00% | 9/1/2023 |
*Rates Subject to change
Youth Certificates may have unlimited deposits.
Early Withdrawals are subject to loss of interest penalty
New and Used Auto Loans
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Rates last updated June 1, 2023 Rate Based on FICO Score |
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|---|---|---|---|---|---|---|
| Length of Repayment (1) | APR * | Declaration Date | ||||
| 36 Months | 4.49%* | August 23, 2023 | ||||
| 48 Months | 4.49%* | August 23, 2023 | ||||
| 60 Months | 5.25%* | August 23, 2023 | ||||
| 72 Months | 5.75%* | August 23, 2023 | ||||
| 84 Months | 6.25%* | August 23, 2023 | ||||
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*Annual Percentage Rate *Rates Subject to change Optional UPS EFCU GAP and Mechanical Repair Coverage. Ask for your Loan Officer for details. GAP is $625.00. |
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New and Used Motorcycle Loans
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Rates last updated May 1, 2023 Rate Based on FICO Score |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Length of Repayment (2) | APR * | Declaration Date | ||||||||||||||||||||||
| 36 Months | 5.74%* | May 1, 2023 | ||||||||||||||||||||||
| 48 Months | 6.74%* | May 1, 2023 | ||||||||||||||||||||||
| 60 Months | 7.74%* | May1, 2023 | ||||||||||||||||||||||
| 72 Months | 8.74%* | May 1, 2023 | ||||||||||||||||||||||
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* Annual Percentage Rate *Rates Subject to change Optional UPS EFCU GAP. Ask Your UPS EFCU loan Officer for details. UPS EFCU GAP policy is $625. 100% Financing of Low Kelly Blue Book Value.
New & Used Motor Home/RV & Watercraft
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Other Loans
| Other Loans Rates last updated: May 1, 2023 |
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|---|---|---|---|---|---|---|
| Loan Type | APR * Based On FICO Score | Terms | ||||
| Overdraft Protection/Line of Credit | 10.99% | Revolving | ||||
| Fast Application | 19.50%* & 28%* | $500.00 Maximum & $1,000 Maximum | ||||
| Signature Loans | 9.79%* 10.54%* 11.79%* |
36 Months 48 Months 60 Months |
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| VISA Credit Card | 10.50%* | *good payment history with other creditors, and DTI under 55% | ||||
| Real Estate Loans | 1st | Market Rates | ||||
| * Annual Percentage Rate *Rates Subject to change | ||||||