Loan Rates

Stay loyal to your UNION Credit Union.  If you find an interest rate lower than ours, please give us the opportunity to try to match that rate.  Call us at 503-253-8193 ext. 340.

Auto Loans

 

Rates as of February 8th, 2018

Rate Matching is available

Loan Rates F=fixed V=variable APR as low as Repayment period
New/Used Autos Fixed Rate 2.49%* Up to 36 months
New/Used Autos  Fixed Rate 2.59%* Up to 60 months
New/Used Autos Fixed Rate 2.99%* Up to 72 months
Used Autos (2007 and older) Fixed Rate 2.89%* Up to 48 months
Antique/Classic Autos (21 model yrs +)  Fixed Rate  4.95%*  Up to 36 months  

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.

Visa, Signature & Personal Line-of-Credit

 

Rates as of February 8th, 2018

Loan Rates F=fixed V=variable APR as low as Repayment period Maximum Available
Signature Fixed Rate 11.30%* Up to 12 Months Up to $10,000
Signature Fixed Rate 11.65%* Up to 24 months Up to $10,000
Signature Fixed Rate 11.90%* Up to 36 months Up to $10,000
Personal Line-of-Credit Variable Rate Prime + 5%1 Open End Up to $10,000
Classic Visa Fixed Rate 12.90%2 Open End Up to $10,000
Platinum Visa Fixed Rate Call for Rate3 Open End Up to $25,000

* Annual Percentage Rate may be higher depending on credit and other qualifying factors. 

1 Annual percentage rate may vary, no annual fee.

2Cash advance fee $5.00, no annual fee, late payment fee $25.00, card replacement fee $10.00, grace period for repayment of the balance for purchases 25 days. APR does not include fees.

3Cash advance fee $5.00 or 3% of amount, no annual fee, late payment fee $35.00, card/PIN replacement $5.00, Returned Check Charge: $20.00. Grace period for repayment of balance for purchases 25 days. APR does not include fees.

Full Visa Platinum Disclosure

Full Visa Classic Disclosure

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1st Mortgages – Home purchase, 2nd home/vacation home purchase,  and refinances available.

2nd Mortgage’s, Home Equity Lines-of-Credit and many other mortgage services available.  Rates vary depending on your credit qualifications with terms up to 180 months. 

Please contact the loan department at 503-253-8193 ext 340 for more information.


Boat & Recreational Vehicle Loans

 

Rates as of February 8th, 2018

Loan Rates F=fixed V=variable APR as low as Repayment Period
New Boat Fixed Rate 4.45%* Up to 72 months
New Boat Fixed Rate 5.45%* Up to 96 months
New Boat Fixed Rate 5.45%* Up to 120 months
New Boat Fixed Rate 6.45%* Up to 144 months
Used Boat  Fixed Rate 4.45%* Up to 72 months Up to 84 months
Used Boat Fixed Rate 5.45%* Up to 120 months

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.

Rates as of February 8th, 2018

Loan Rates F=fixed V=variable APR as low as Repayment Period
New Recreational Vehicle Fixed Rate 4.45%* Up to 72 months
New Recreational Vehicle Fixed Rate 5.45%* Up to 96 months
New Recreational Vehicle Fixed Rate 5.45%* Up to 120 months
New Recreational Vehicle Fixed Rate 6.45%* Up to 144 months
Used Recreational Vehicle (within 10 model yrs) Fixed Rate 4.45%* Up to 72  mo’s   Up  to 84 mo’s
Used Recreational Vehicle Fixed Rate 5.45%* Up to 120 months

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.  

Motorcycle, ATV & Jet Ski

 

Rates as of February 8th, 2018

Loan Rates F=fixed V=variable APR as low as Repayment period
New Motorcycles Fixed Rate 4.49%* Up to 60 months
New ATV or Jet Ski Fixed Rate 3.99%* Up to 60 months
Used Motorcycles Fixed Rate 4.84%* Up to 60 months
Used ATV or Jet Ski Fixed Rate 3.99%* Up to 60 months

* Annual Percentage Rate may be higher depending on credit and other qualifying factors.  

Share/Certificate Secured

 

Rates as of February 8th, 2018

Loan Rates F=fixed V=variable APR Repayment Period Max Amt Financed
Share Secured Fixed Rate 3.00% above Dividend Rate Up to 144 months(e) Balance of Acct

  

 

Life/Disability Insurance

 

What are Credit Life and Credit Disability Insurance?

Credit Life insurance pays off a member’s eligible outstanding loan balance, up to the policy maximum, if he or she dies before the loan is repaid and the claim qualifies. 

Credit Disability makes a member’s eligible loan payment, up to the monthly maximum, if he or she is totally disabled by a covered illness or injury.  Ask your loan officer for details on your next visit. 

 

MRC & GAP Coverage

 

Mechanical Repair Coverage

Mechanical Repair Insurance coverage covers the cost of repairs to items covered by the policy. The premium for the coverage is paid at the time your loan is granted and added to your loan balance if you wish. The policy is transferable if you sell your vehicle prior to the policy expiration.

GAP Coverage

GAP (Guaranteed Auto Protection) coverage is offered in connection with your financing the purchase of a vehicle. GAP Insurance provides you protection in the event your vehicle is stolen or totalled. Talk with your loan officer about the advantages of this policy.