IBEW and United Workers Federal Credit Union

Online Banking
Bill Pay Online Banking

Rates

Savings Rates – Effective Saturday, April 1, 2023
APYMinimum
Deposit		Minimum
Balance
SAVINGS0%$5$5
HOLIDAY CLUB ACCT0.05%$5$100
TAX CLUB ACCOUNT0.05%$5$100
EDUCATION IRA SHARE0.05%$50$100
ROTH IRA SHARE0.05%$50$100
SEP IRA SHARE ACCT0.05%$50$100
IRA SHARE ACCOUNT0.05%$50$100
INVEST ACCOUNT0.35%$500$500
INVEST ACCOUNT0.5%$500$50000
INVEST ACCOUNT0.75%$500$100000
INVEST ACCOUNT0.8%$500$250000
CHECKING0%$50$0
SPECIAL SHARE0%$5$0
EZ DEBIT0%$50$0
Certificate Rates – Effective Thursday, October 30, 2025
Certificate TermAPYMinimum Deposit
12 MONTH CERTIFICATE3.61%$500
6 MONTH CERTIFICATE3.92%$500
Loan Rates – Effective Thursday, October 30, 2025
Loan TypeRates as low asTerms & Information
New Auto 2023 and Newer » 3.99% 60 M As low as 3.99% APR for 36 months
Used Auto 2015-2022 » 4.49% 36 M As low as 4.49% APR for 36 months
Used Auto 2004-2014 » 6.14% 36 M As low as 6.14% APR for 48 months
Signature Loan » 9.49% 36 M As low as 9.49% APR for 12 months
Visa Classic » 12.9% 12 M Fixed Rate, 12.90% APR
Visa Platinum » 9.49% 60 M Fixed Rate, 9.49% APR
New RV » 6.5% 72 M As low as 6.50% APR for 72 months
Used RV » 6.9% 72 M As low as 6.90% APR for 72 months
New Boat » 6.5% 72 M As low as 6.50% APR for 72 months
Used Boat » 6.9% 72 M As low as 6.90% APR for 72 months
New Motorcycle 2023 and Newer » 6.45% 60 M As low as 6.45% APR for 36 months
Used Motorcycle 2022 and Older » 7.34% 60 M As low as 7.34% APR for 36 months
New ATV or UTV 2023 and Newer » 5.99% 60 M As low as 5.99% APR for 60 months
Used ATV/UTV 2022 and Older » 6.49% 60 M As low as 6.49% APR for 60 months
Personal Line of Credit » 12.25% 36 M Variable Rate, As low as Prime +5% APR
HELOC » 7.25% 180 M Variable Rate
HOLIDAY LOAN UP TO 12 MONTHS » 10% 12 M HOLIDAY LOAN,$1200,UP TO 12 MONTHS FOR 10.00% INTEREST RATE