Rates

New & Used Vehicles, RV, and Boat Loans

Vehicle AgeAvailable TermAPR* as low as:
2020 or newerUp to 24 months5.00%
2020 or newer25-36 months5.00%
2020 or newer37 - 48 months5.25%
2020 or newer49-63 months5.75%
2020 or newer64-75 months6.25%
2019 or olderUp to 24 months7.00%
2019 or older25-36 months7.25%
2019 or older37-48 months7.50%
2019 or older49-63 months8.00%
2019 or older64-75 months8.50%
Available term lengths are based on retail value. 84 month term available with certain restrictions.

Promotional rates may vary than rates shown above. View current promotions.

Disclosure

**The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts and includes a discount for UICCU checking account holders with direct deposit. All loans subject to credit approval and membership qualifications. Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Additional credit score, loan to value and vehicle age limitations apply for 84 month financing and not all members will qualify. Maximum terms for all loan types subject to vehicle mileage. For new vehicles, retail value is based on Manufacturers Suggested Retail Price (MSRP) as shown in the NADA Car Appraisal Guide. For used vehicles, retail value is determined using the Central Region from a current NADA Official Used Car Guide.

 

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Personal Loans

TypeAvailable AmountTerms up to:APR* as low as:
Share Secured Personal Loanequal to amount in savings or shares up to $180,00060 months6.5%
Certificate Secured Personal LoanEqual to amount of CDs up to $180,000Equal to remaining term of certificate6.5%
Unsecured Personal Loanup to $48,00060 months12.00%
Prime Line of Credit$5,000 to $48,000Open endedPrime + 1%
Overdraft Protection$1000 to $2,500Open endedPrime + 6.5%

Disclosures

*The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts and includes a discount for UICCU checking account holders with direct deposit.. All loans subject to credit approval and membership qualifications.

 

 

Mortgages

Home Loan TypeDescriptionAvailable Term Lengths
Fixed-rate mortgageLoan that provides a predictable payment schedule by maintaining the same rate for the life of the loan.30, 25, 20, 15, and 10 year
Adjustable rate mortgageLoan that starts with a fixed rate for an initial term, then changes to an adjustable rate.3/1, 5/1, 7/1
VA mortgageFixed-rate loan up to 100% financing for qualified veterans, with little or no down payment and no monthly mortgage insurance.30 and 15 year
FHA mortgageGovernment-insured fixed rate loan with low down payment and low interest rate.  30 and 15 year
USDA mortgageMortgage program from the U.S. Department of Agriculture; loans with low interest rates and no down payment.30 year
Jumbo mortgageLoan amounts greater than $484,350 with 720 credit score. Call for additional details.30 and 15 year

View current mortgage rates here.

HELOC

Loan to Value (LTV) RatioAPR as low as:Advances availableRepayment Term
80% LTV8.50%First 10 years20 years
90% LTV8.50%First 10 years20 years
100% LTV11.00%First 5 years15 years

Checking Accounts

Account TypeMinimum BalanceAPY*Dividend RateDividend Policy Calculated/CompoundedMonthly Service Fee
Loyalty Checking• No minimum deposit to open
• No minimum balance		N/A

or

0.05% with one of the criteria met and 4 qualifying products/services*		N/A

or

0.05% with one of the criteria met and 4 qualifying products/services*		Daily/Monthly$6 monthly fee & $5 annual debit card fee

or

Waived with one of the criteria met*
iChecking• No minimum deposit to open
• No minimum balance		N/ADoes not earn dividendsN/A• None
• Pre-packaged qualifying products

*Criteria includes direct deposit of $500+, 6 electronic withdrawals (debit, ATM, ACH, online banking, bill pay) from this Loyalty Checking account, monthly average balance of $500+ for this Loyalty Checking account. Qualifying products/services include 10+ years membership, Investments Retirement and Trust Services, consumer loans and VISA, aggregate deposits greater than or equal to $5,000, bill pay (iPay) active within prior 90 days

Savings

Account TypeMinimum Opening DepositMinimum BalanceAPY*
Share Savings$5$50.01%
Jump Start SavingsNoneNone2.00% ($0.00-$5000.00)
0.01% ( $5000.01 and up)
Holiday ClubNoneNone0.01%
Vacation ClubNoneNone0.01%
IRA Share SavingsNoneNone0.01%

Limited Time Share Specials

Term lengthMinimum DepositAPYDividend RateEarly withdrawal penalty
9 months
9 month jumbo		$1,000
$100,000		4.50%
4.75%		4.40%
4.64%		180 day dividend
15 months
15 month jumbo		$500
$100,000		4.00%
4.25%		3.92%
4.16%		180 day dividend
33 months
add-on		$100 new deposit
$25 add-on deposit		3.50%13.44%1180 day dividend

Share Certificate

Term lengthMinimum DepositAPYDividend RateEarly withdrawal penalty
90 days$10000.15%0.15%90 day dividend
6 months$10001.35%1.34%90 day dividend
1 year$5001.25%1.24%180 day dividend
2 years
2 years jumbo		$500
$100,000		1.15%
3.00%		1.14%
2.96%		180 day dividend
180 day dividend
3 years$5001.05%1.04%180 day dividend
4 years$5001.05%1.04%180 day dividend
5 years$5001.05%1.04%180 day dividend

IRA Savings Certificates

Term LengthMinimum Deposit for IRAAPYDividend RateEarly Withdrawal Penalty
1 Year$10001.25%1.24%180 Day Dividend
2 Years$10001.15%1.14%180 Day Dividend
3 Years$10001.05%1.04%180 Day Dividend
4 Years$10001.05%1.04%180 Day Dividend
5 Years$10001.05%1.04%180 Day Dividend

Illini Draft Money Market

BalanceAPYDividend Rate
$0 - $2,499.000.20%0.20%
$2,500 - $24,999.990.40%0.40%
$25,000 and up0.75%0.75%

Jumbo Money Market

BalanceAPYDividend Rate
$0 - $49,999.990.40%0.40%
$50,000 and up*1.50%1.49%

Limit 6 withdrawals and transfers per month. *Higher rate paid only on the portion of the balance above $50,000.

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