united savers trust credit union

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Money Market Accounts

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Nada Used Car Price List

New Car Dealer Price List

Bank Wire Transfers

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GAP Insurance on Loans

Rates

    * as of January 2016
 
 
Unsecured (PAL or Signature) Loans
 
8-9%
6 mo
up to $300
8-9%
12 mo
$301 to $750
8-9%
18 mo
$751 to $1500
8-9%
24 mo
$1501 to $2999
8-9%
36 mo
$3000 to $4999
8.9%
48 mo
$5000 +
 
Fully Shared Secure/Share Term Certificate Loans
 
2% above rate paid on Regular Shares
120 mo
100% unencumbered shares
 
New Automobile Loans (good credit)
2.90%
36 mo
* 100% of MSRP +TT&L
3.50%
48 mo
* 100% of MSRP +TT&L
3.75%
60 mo
* 100% of MSRP +TT&L
3.90% - (over $20,000)
72 mo
* 100% of MSRP +TT&L
4.50%- (over $35,000)
84 mo
* 100% of MSRP +TT&L
     
 New Automobile Loans (credit problems)    
7.00%
36 - 48 mo
* 100% of MSRP +TT&L
     
***Tiered Lending Rate for All New Autos is 8.5%
 
 
Used Automobile Loans (good credit)
 
4.90% - (One Year Old)
60 mo
* 100% of Clean Retail +TT&L
4.90% - (Two & Three Year Old)
54 mo
* 100% of Clean Retail +TT&L
5.50% - (Four Year Old)
48 mo
* 100% of Clean Retail +TT&L
5.75% - (Five Year Old)
42 mo
* 100% of Clean Retail
6.00% - (Six & Seven Year Old)
36 mo
* 100% of Clean Retail
10.00% - (Eight thru Fifteen Year Old)
24 mo
* 100% of NADA Trade Value
     
Used Automobile Loans (credit problems)    
9.00% - (One thru Seven Year Old)
48 mo
* 100% of Clean Retail +TT&L
8.00% - (Eight thru Fifteen Year Old)
42 mo
* 100% of Clean Retail
 
***Tiered lending Rate for All Used Autos is 10.5%
 
Selected Used Automobile Loans
 
(Volvo, Cadillac, Lincoln, Range Rover, Lexus, BMW, Porsche, Corvette, Audi, Jaguar, Acura, Infiniti, & Mercedes)
3.90% - (One, Two, Three Year Old)
60 mo
* 100% of Clean Retail +TT&L
4.75% - (Four Year Old)
54 mo
* 100% of Clean Retail +TT&L
5.00% - (Five Year Old)
48 mo
* 100% of Clean Retail
5.25% - (Six & Seven Year Old) 48 mo * 100% of Clean Retail
6.50% - (Eight thru Fifteen Year Old)
48 mo
* 100% of Clean Retail
 
 
 
New Motorcycle Loans
 
4.00%
36 mo
100% of MSRP + TTL
4.50%
48 mo
100% of MSRP + TTL
5.00%
60 mo
100% of MSRP + TTL
5.25% ($20,000 and up)
72 mo
100% of MSRP + TTL
 
Used Motorcycle Loans
 
6.25%
36 mo
100% of AVR + TTL
6.75%
48 mo
100% of AVR + TTL
 
New Boat Loans
 
4.50% - ($4,999 & under)
48 mo
100% of MSRP + TTL
4.75% - ($5,000 to $14,999)
72 mo
100% of MSRP + TTL
4.85% - ($15,000 to $24,999)
96 mo
100% of MSRP + TTL
5.00% - ($25,000 and up)
120 mo
100% of MSRP + TTL
 
New Jet Ski
 
5.00%
36 mo
100% of MSRP + TTL
5.25%
48 mo
100% of MSRP + TTL
5.50%
60 mo
100% of MSRP + TTL
 
Used Boats
 
6.00% - up to $4,999
36 mo
100% of AVR + TTL
6.00% - $5,000 to $9,999
48 mo
100% of AVR + TTL
6.00% - $10,000 to $14,999
60 mo
100% of AVR + TTL
6.00% - $15,000 to $19,999
84 mo
100% of AVR + TTL
6.00% - $20,000 and up
120 mo
100% of AVR + TTL
 
Used Jet Ski
 
6.00%
36 mo
100% of High Retail
 
New Horse Trailer
 
6.00%
48 mo
90% of MSRP
6.25%
60 mo
90% of MSRP
6.50%
84 mo
90% of MSRP
 
Used Horse Trailer
 
7.25%
up to 120 mo
80% of Appraisal
 
New Four-wheelers and Dirt Bikes
 
7.00%
36 mo
100% of MSRP
 
Used Four-wheelers and Dirt Bikes
 
7.00%
36 mo
100% of AVR
 
New Tractors with Attachments
 
6.25% - up to $14,999
60 mo
100% of MSRP
6.25 - $15,000 to $19,999
84 mo
100% of MSRP
6.25% - $20,000 to $25,000
120 mo
100% of MSRP
 
Used Tractors with Attachments
 
6.50% - up to $7,999
36 mo
100% of Appraisal
6.50% - $8,000 to $25,000
48 mo
100% of Appraisal
 
New Riding Lawnmowers
 
8.00%
36 mo
100% of Invoice
 
New Push Lawnmowers
 
8.00% - up to $650
12 mo
100% of Invoice
8.00% - $651 to $1,000
24 mo
100% of Invoice
8.00% - $1,001 and over
36 mo
100% of Invoice
 
New Appliances & Home Entertainment
 
4.00%
up to 48 mo
 100% of Invoice
 
Used Appliances and Home Entertainment
 
6.00% (6 months old or newer)
up to 48 mo
100% of Invoice
 
 
New Computer Loans
 
6.00%
24 mo
100% of Invoice
 
 
New and Used Recreational Vehicles
 
6.00% - (up to $25,000)
60 mo
100% of MSRP/ARP
6.50% - ($25,001 to $50,000)
84 mo
100% of MSRP/ARP
7.00% - ($50,000 & over)
120 mo
100% of MSRP/ARP
(over $25,000 must be approved by the Board)
 
 
 
School Tuition
 
6.00%
12 mos
$5,000 max (payable to school)
 
 
IRA Loans
 
5.00%
12 mo
 
 
 
Longevity/QWIKCASH Loan ... BAD CREDIT - NO PROBLEM!
18%
6 mo
$300
18%
9 mo
$301 - $700
18%
12 mo
$701 - $1,200
18%
15 mo
$1,201 - $1,500
18%
18 mo
$1,501 - $1,800
18%
24 mo
$1,801 - $2,200
18%        
36 mo
$2,201 - $3,000
     
* Loan amount based on length of employment:  
One Year Employment   $300.00
Two Years of Employment   $500.00
Three and Four Years of Employment 2 weeks of hourly base rate
Five Years and Over of Employment 4 weeks of hourly base rate
     
THE HIGH CREDIT CAN NOT EXCEED $3,000.00
 
Savings and Certificate rates are subject to change. Please contact the credit union for today's rates.