View Current Rates
Effective Date:Vehicle Loans
Auto Loans
| Age of Vehicle | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| New - 2016 | 84 Months† | 5.99% APR | $14.61 |
| 2015 & Older | 36 Months | 6.99% APR | $30.89 |
| 2015 & Older | 48 Months | 7.49% APR | $24.19 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Boat Loans
| Age of Boat | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| 2015 & Older | 36 Months† | 6.99% APR | $30.89 |
| 2015 & Older | 48 Months | 7.49% APR | $24.19 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Motorcycle Loans
| Age of Motorcycle | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| New - 2016 | 84 Months† | 5.99% APR | $14.61 |
| 2015 & Older | 36 Months | 6.99% APR | $30.89 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
ATV Loans
| Age of ATV | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| 2015 & Older | 36 Months | 6.99% APR | $30.89 |
| 2015 & Older | 48 Months | 7.49% APR | $24.19 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Recreational Vehicle Loans
| Maximum Term | Rates As Low As* | Payments per $1,000 |
|---|---|---|
| 120 Months1 | 7.99% APR | $12.13 |
| 60 Month Balloon2 | 6.99% APR | $8.99 |
*APR = Annual Percentage Rate. Annual percentage rates subject to change. Your credit score determines your actual rate. All loans must be fully secured.
1Vehicle value must be at least $20,000.
2Vehicle value must be at least $25,000. A $25,000 loan, amortized over 180 months, would yield 59 payments of $224.60 and a balloon payment of $19,575.13.
Personal Loans
U Choose Loans
| Term | Rates as low as* | Payments per $1,000 |
|---|---|---|
| 36 Months | 10.99% APR | $32.75 |
| 48 Months | 11.99% APR | $26.35 |
| 60 Months | 12.99% APR | $22.77 |
*APR is Annual Percentage Rate. APR subject to change. Rates, terms, and conditions vary based on your account history and credit qualifications. Advertised rate applies to personal loan product with a set term. It does not apply to open-ended lines of credit or credit plans. All loans are subject to approval. Minimum loan amounts may apply to longer terms.
Kwik Cash Line of Credit
| Term | Rates as low as* | Payments per $1,000 |
|---|---|---|
| 48 Month | 9.99%* | $25.37 |
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms. Annual percentage rate on Kwik Cash line of credit may change at any time. Kwik Cash line of credit has no annual fee.
Student Loans
Unison Credit Union partners with ISL Education Lending to offer you lower-cost student loans and refinance options.
Credit Cards
| Card Type | Current Rate | Balance Transfer* | Cash Advance* | Foreign Transaction | Late Payment | Annual Fee |
|---|---|---|---|---|---|---|
| Visa® Platinum | 9.99% | None | 3% of amount $3 min / $10 max |
1% of amount | $10.00 | None |
| Visa® Platinum with Rewards | 12.99% | None | 3% of amount $3 min / $10 max |
1% of amount | $10.00 |
None
|
* Finance charge begins on date posted to your account
How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Military Lending Act Notice: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call 1.888.878.8806 and ask to speak with a Member Advisor for the MLA “verbal disclosure.”
Home Loans
Home Loan Options
| Loan Type | Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| Fixed & Adjustable Rate Mortgages | Terms Vary | Rates Vary | Visit Mortgages Rate Page |
| Home Equity Loans & Lines of Credit | Terms Vary | Rates Vary | Visit Mortgages Rate Page |
| Construction & Land Loans | Terms Vary | Rates Vary | Visit Mortgages Rate Page |
| QuickLend Loan | 36 Months | 9.99% APR*† | $32.28 |
| QuickLend Loan | 48 Months | 10.99% APR*† | $25.86 |
| QuickLend Loan | 60 Months | 11.99% APR*† | $22.26 |
| QuickLend Loan | 72 Months | 12.99% APR*† | $20.09 |
| QuickLend Loan | 84 Months | 13.99% APR*† | $18.75 |
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms.
†For homeowners with a new or existing Unison mortgage and checking account. Individual rate, terms and loan approval subject to credit review and membership eligibility. Loan is unsecured and is not a mortgage product. Requires proof of income and owner-occupied property. $30,000, maximum loan.