Rates

A GREAT RATE IS A GREAT START.

Whether you’re borrowing or depositing, Unison Credit Union strives to make your life a little easier. So, we offer competitive options on vehicle loan rates, personal loan rates, mortgage rates, and more. And, our deposit rates can enhance your personal financing opportunities.

Loan Rates

Vehicle Loans

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Effective as of December 2, 2024

  • Age of Vehicle
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2015
  • 36 Months
  • 4.99% APR
  • $29.97
  • New - 2015
  • 48 Months
  • 5.24% APR
  • $23.14
  • New - 2015
  • 60 Months
  • 5.24% APR
  • $18.99
  • New - 2015
  • 72 Months†
  • 5.74% APR
  • $16.46
  • New - 2015
  • 84 Months†
  • 6.99% APR
  • $15.09
  • 2014 & Older
  • 36 Months
  • 6.99% APR
  • $30.89
  • 2014 & 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. †72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount. Membership eligibility required, NCUA insured.

Boat Loans

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Effective as of December 2, 2024

  • Age of Boat
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2015
  • 36 Months
  • 4.99% APR
  • $29.97
  • New - 2015
  • 48 Months
  • 5.24% APR
  • $23.14
  • New - 2015
  • 60 Months
  • 5.24% APR
  • $18.99
  • New - 2015
  • 72 Months†
  • 5.74% APR
  • $16.46
  • 2014 & Older
  • 36 Months
  • 6.99% APR
  • $30.89
  • 2014 & 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. †72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount. Membership eligibility required, NCUA insured.

 

Motorcycle Loans

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Effective as of December 2, 2024

  • Age of Motorcycle
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2015
  • 36 Months
  • 4.99% APR
  • $29.97
  • New - 2015
  • 48 Months
  • 5.24% APR
  • $23.14
  • New - 2015
  • 60 Months
  • 5.24% APR
  • $18.99
  • New - 2015
  • 72 Months†
  • 5.74% APR
  • $16.46
  • New - 2015
  • 84 Months†
  • 6.99% APR
  • $15.09
  • 2014 & Older
  • 36 Months
  • 6.99% APR
  • $30.89
  • 2014 & 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. †72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount. Membership eligibility required, NCUA insured.

ATV Loans

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Effective as of December 2, 2024

  • Age of ATV
  • Maximum Term
  • Rates As Low As*
  • Payments per $1,000
  • New - 2015
  • 36 Months
  • 4.99% APR
  • $29.97
  • New - 2015
  • 48 Months
  • 5.24% APR
  • $23.14
  • New - 2015
  • 60 Months
  • 5.24% APR
  • $18.99
  • New - 2015
  • 72 Months†
  • 5.74% APR
  • $16.46
  • 2014 & Older
  • 36 Months
  • 6.99% APR
  • $30.89
  • 2014 & 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. †72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount. Membership eligibility required, NCUA insured.

Recreational Vehicle Loans

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Effective as of December 2, 2024

  • 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 is Annual Percentage Rate. Annual percentage rates subject to change. Your actual rate is determined by your credit score. 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

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Effective as of December 2, 2024

  • Term
  • Loan Type
  • Rates As Low As*
  • Payments per $1,000
  • 36 Months
  • U Choose Loan
  • 10.99% APR
  • $32.75
  • 48 Months
  • U Choose Loan
  • 11.99% APR
  • $26.35
  • 60 Months
  • U Choose Loan
  • 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. Membership eligibility required. Insured by NCUA.

QuickLend Loans

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Effective as of December 2, 2024

  • Term
  • Loan Type
  • Rates As Low As*
  • Payments per $1,000
  • 36 Months
  • QuickLend Loan
  • 9.99% APR
  • $32.28
  • 48 Months
  • QuickLend Loan
  • 10.99% APR
  • $25.86
  • 60 Months
  • QuickLend Loan
  • 11.99% APR
  • $22.26
  • 72 Months
  • QuickLend Loan
  • 12.99% APR
  • $20.09
  • 84 Months
  • QuickLend Loan
  • 13.99% APR
  • $18.75

*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. Effective as of 12/1/20; subject to change. NCUA insured.

 

Line of Credit

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Effective as of December 2, 2024

  • Term
  • Loan Type
  • Rates As Low As*
  • Payments per $1000
  • 48 Months
  • Kwik Cash Line of Credit
  • 9.99%
  • $25.37

*APR is Annual Percentage Rate. Annual percentage rate on Kwik Cash line of credit may change at any time. Kwik Cash line of credit has no annual fee.

Fixed and Adjustable Rate Mortgages

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Home Equity Loans and Lines of Credit

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Construction and Land Loans

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Deposit Rates

Checking & Savings Accounts

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Personal Checking & Savings Accounts - Effective as of December 2, 2024

  • Account Type
  • Required Opening Deposit
  • Minimum Daily Balance to Avoid Fee
  • Minimum Daily Balance to Earn APY
  • Dividend Rate / APY*
  • Checking Plus**
  • $0
  • $200 OR Direct Deposit**
  • $500
  • 0.10% / 0.10%
  • Share Savings
  • $5
  • $0
  • $0
  • 0.10% / 0.10%
  • Sub Share Savings
  • $0
  • $0
  • $0
  • 0.10% / 0.10%
  • Property Tax Savings
  • $0
  • $0
  • $0
  • 0.10% / 0.10%
  • Empowering Kids Savings***
  • $5
  • $0
  • $0
  • 3.00% / 3.04%
  • Empowering Teens Savings ***
  • $5
  • $0
  • $0
  • 3.00% / 3.04%
  • Health Savings
  • $0
  • $0
  • $0
  • 1.50% / 1.51%
  • Christmas Savings
  • $0
  • $0
  • $0
  • 0.10% / 0.10%
  • Vacation Savings
  • $0
  • $0
  • $0
  • 0.10% / 0.10%
  • Prom Club
  • $0
  • $0
  • $0
  • 0.10% / 0.10%

*APY is Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Empowering Kids Savings or Empowering Teens Savings is $5 (one share). **Checking Plus Accounts – requires either Direct Deposit or $200 to open and minimum daily balance to avoid $5.00 monthly fee; $500 required to obtain APY. ***3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts.  Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.  

Personal Money Market Accounts - Effective as of December 20, 2024

  • Minimum Deposit
  • Dividend Rate without Checking
  • APY without Checking
  • Dividend Rate with Checking
  • APY with Checking
  • $2,500
  • 0.50%
  • 0.50%
  • 0.60%
  • 0.60%
  • $15,000
  • 1.00%
  • 1.01%
  • 1.10%
  • 1.11%
  • $75,000
  • 1.98%
  • 2.00%
  • 2.08%
  • 2.10%
  • $250,000
  • 2.96%
  • 3.00%
  • 3.06%
  • 3.10%

*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. Money Market Accounts falling below $2,500 receive the 0.10% regular savings dividend rate/APY.

Personal Term Share Certificates - Effective as of December 20, 2024

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY*
  • $500
  • 90 Day Certificate
  • 1.00%
  • 1.01%
  • $500
  • 6 Month Certificate
  • 1.75%
  • 1.76%
  • $2000**
  • 7 Month Certificate
  • 4.28%
  • 4.35%
  • $500
  • 12 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 18 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 24 Month Certificate
  • 2.50%
  • 2.52%
  • $2000**
  • 25 Month Certificate
  • 4.08%
  • 4.14%
  • $500
  • 30 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 36 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 48 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 60 Month Certificate
  • 2.50%
  • 2.52%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividends rates and API are accurate as of 12-20-2024 and subject to change without notice. Minimum deposit/balance of $500 to open/earn APY. **Minimum deposit/balance of $2000 to open/earn APY. Membership eligibility required. Federally insured by NCUA.

Business Accounts

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Business Checking & Savings Accounts - Effective as of December 2, 2024

  • Account Type
  • Required Opening Deposit
  • Minimum Daily Balance to Avoid Fee
  • Minimum Daily Balance to Earn APY
  • Dividend Rate / APY*
  • Business Checking**
  • $0
  • $1000
  • $2500
  • 0.10%/0.10%
  • Business Share Savings
  • $5
  • $0
  • $0
  • 0.10%/0.10%
  • Business Sub Share Savings
  • $0
  • $0
  • $0
  • 0.10%/0.10%
  • Not-for-Profit Share Checking
  • $0
  • $0
  • $0
  • 0.00%/0.00%
  • Not-for-Profit Share Savings
  • $5
  • $0
  • $0
  • 0.00%/0.00%

*APY is Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open is $5 (one share). **Business Checking – requires $1,000 minimum daily balance to avoid $10 monthly fee; $2,500 required to obtain APY.

Business Money Market Accounts - Effective as of December 20, 2024

  • Minimum Deposit
  • Dividend Rate without Checking
  • APY without Checking
  • Dividend Rate with Checking
  • APY with Checking
  • $2,500
  • 0.50%
  • 0.50%
  • 0.60%
  • 0.60%
  • $15,000
  • 1.00%
  • 1.01%
  • 1.10%
  • 1.11%
  • $75,000
  • 1.98%
  • 2.00%
  • 2.08%
  • 2.10%
  • $250,000
  • 2.96%
  • 3.00%
  • 3.06%
  • 3.10%

*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. Money Market Accounts falling below $2,500 receive the 0.10% regular savings dividend rate/APY.

Business Term Share Certificates - Effective as of December 20, 2024

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY*
  • $500
  • 90 Day Certificate
  • 1.00%
  • 1.01%
  • $500
  • 6 Month Certificate
  • 1.75%
  • 1.76%
  • $2000**
  • 7 Month Certificate
  • 4.28%
  • 4.35%
  • $500
  • 12 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 18 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 24 Month Certificate
  • 2.50%
  • 2.52%
  • $2000**
  • 25 Month Certificate
  • 4.08%
  • 4.14%
  • $500
  • 30 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 36 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 48 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 60 Month Certificate
  • 2.50%
  • 2.52%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividends rates and API are accurate as of 12-20-2024 and subject to change without notice. Minimum deposit/balance of $500 to open/earn APY.  **Minimum deposit/balance of $2000 to open/earn APY. Membership eligibility required. Federally insured by NCUA.

Individual Retirement Accounts (IRA)

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IRA Savings - Effective as of December 20, 2024

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY*
  • $0
  • Variable Savings
  • 0.75%
  • 0.75%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and APY are accurate as of 12-02-2024 and subject to change without notice. Minimum deposit/balance of $500 to open/earn APY.

IRA Certificates - Effective as of December 20, 2024

  • Minimum Deposit
  • Term
  • Dividend Rate
  • APY*
  • $500
  • 90 Day Certificate
  • 1.00%
  • 1.01%
  • $500
  • 6 Month Certificate
  • 1.75%
  • 1.76%
  • $2000**
  • 7 Month Certificate
  • 4.28%
  • 4.35%
  • $500
  • 12 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 18 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 24 Month Certificate
  • 2.50%
  • 2.52%
  • $2000**
  • 25 Month Certificate
  • 4.08%
  • 4.14%
  • $500
  • 36 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 48 Month Certificate
  • 2.50%
  • 2.52%
  • $500
  • 60 Month Certificate
  • 2.50%
  • 2.52%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal.  Fees and/or penalties could reduce earnings.  Dividend rates and APY are accurate as of 12-20-2024 and subject to change without notice.  Minimum deposit/balance of $500 to open/earn APY.  **Minimum deposit/balance of $2000 to open/earn APY.  Membership eligibility required.  Federally insured by NCUA.

Ultimate IRA - Effective as of December 20, 2024

  • Minimum Deposit
  • Dividend Rate without Checking
  • APY without Checking
  • Dividend Rate with Checking
  • APY* with Checking
  • $0
  • 0.75%
  • 0.75%
  • 1.00%
  • 1.01%
  • $15,000
  • 1.75%
  • 1.76%
  • 2.00%
  • 2.02%
  • $100,000
  • 2.75%
  • 2.79%
  • 3.00%
  • 3.04%
  • $500,000
  • 3.50%
  • 3.56%
  • 3.75%
  • 3.82%

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and APY are accurate as of 12-02-2024 and subject to change without notice. Membership eligibility required. Federally insured by NCUA.

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