Share Rates
| Type | Annual Percentage Rate | Annual Percentage Yield | Notes |
|---|---|---|---|
| Share Account | .00% | .00% | Balance Requirement: $0.00 - $499.99 |
| .02% | .02% | Balance Requirement: $500 - $2499.99 | |
| .10% | .10% | Balance Requirement: $2500.00 - $4999.99 | |
| .20% | .20% | Balance Requirement: $5,000.00 and up. | |
| IRA | .40% | .40% |
Certificates of Deposit
| Term | Annual Percentage Rate | Annual Percentage Yield | Notes |
|---|---|---|---|
| 12 Month | 5.0% | 5.0% |
Loan Rates
| Type | Term | Annual Percentage Rate | Notes |
|---|---|---|---|
| All loan rates are based on FICO credit score | |||
| New Auto | as low as 5.00% - 7.00% | ||
| Used Auto | as low as 6.00% - 8.00% | ||
| Unsecured | as low as 10.00% | $5,000 maximum | |
| Share Secured | 4.0% | ||
| Christmas Special | 1 Year | as low as 7.00% | $2000 maximum |
| Vacation Special | 1 Year | as low as 7.00% | $2000 maximum |
| Auto Loan Special in Sept & Oct |
URE Federal Credit Union does risk based lending on loans, with the exception of VISA credit card loans and share covered loans. The rates will be based on the member’s FICO score.
New members are not eligible to borrow until they have been a member for 3 months. Members who have had reportable delinquent loan history (60 days or more) in the prior 12 months, must bring the loan up to date and keep the loan in current status for 6 months before they are eligible to apply for any new credit.
