Rates :: United Southeast FCU

All Rates Effective July 21, 2020

AUTO LOANS

NEW AUTO LOANS

Model	APR*	Term	Amount	Pmt per $1000
’20 or Newer	1.89% -4.49%	36 months	up to 120%	$28.59 – $29.74
’20 or Newer	1.99% – 4.69%	48 months	up to 120%	$21.69 – $22.89
’20 or Newer	2.09% – 4.89%	60 months	up to 120%	$17.57 – $18.82
’20 or Newer	2.19% – 5.09%	72 months	up to 120%	$14.83 – $16.15
’20 or Newer	2.29% – 5.29%	84 months	up to 120%	$12.90-$14.27

USED AUTO LOANS

Model	APR*	Term	Amount	Pmt per $1000
2011-2019	2.59% – 4.69%	36 months	up to 120%	$28.90 – $29.83
2011-2019	2.94% – 5.04%	48 months	up to 120%	$22.11 – $23.05
2011-2019	3.29% – 5.39%	60 months	up to 120%	$18.10 – $19.05
2011-2019	3.64% – 5.74%	72 months	up to 120%	$15.48 – $16.45
2011-2019	3.99% – 6.09%	84 months	up to 120%	$13.66-$14.65
2006 to 2010	6.29% – 8.29%	36 months	up to 120%	$30.55 – $31.47
2006 to 2010	7.19% – 9.29%	48 months	up to 120%	$24.03 – $25.02

* APR = Annual Percentage Rate: Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for complete details and disclosures. Membership is established by maintaining $5 in a share/savings account with USFCU.

RECREATIONAL LOANS

NEW & USED RECREATIONAL VEHICLE LOANS

Model Year	APR*	Term	Amount	Pmt per $1000
New & Used	2.99% – 5.39%	36 months	100% Retail	$29.08 – $30.15
New & Used	3.39% – 5.69%	48 months	100% Retail	$22.31 – $23.34
New & Used	3.59% – 11.79%	60 to 180 months	100% Retail	$18.23 – $9.96

* APR = Annual Percentage Rate. Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for complete details and disclosures.Recreational items include: Motor Homes, Campers, Motorcycles, Boats, Motors, etc.Membership is established by maintaining $5 in a share/savings account with USFCU.

PERSONAL LOANS

PERSONAL LOAN RATES

Loan Type	APR*	Term	Amount	Pmt per $1000
Christmas Loan	4.90%	Up to 12 months	Up to $2000	$85.56
Share or Share Certificate Secured	2% Over Share Rate*	Up To 60 months	Up to 100%	—
Stock Secured	8.00%	60 months	Up to 50%	$20.28
Stock Secured – Line of Credit (LOC)	Prime + 1%**	60 months	Up to 50%	—
Lifestyle Loans	7.99% – 9.99%	60 months	Up to 100%	$20.27 – $21.24
UNSECURED LOAN RATES
Signature Loan	9.99% – 16.99%	60 months	—	$21.26 – $24.85
Signature Loan – Line of Credit (LOC)	9.99% – 16.99%	60 months	—	$21.26 – $24.85

*APR – Annual Percentage Rate. Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for complete details and disclosures.
**Payment example based on $1,000 for 60 months
**Stock Secured LOC – Rate adjusted monthly
Membership is established by maintaining $5 in a share/savings account with USFCU.

HOME APPLIANCES

HOME APPLIANCES

Loan Type	APR*	Term	Amount	Payment per $1000
New & Used	10.95% – 17.95%	36 months	Up to 100%	$32.73 – $36.13

*APR – Annual Percentage Rate. Some restrictions may apply. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for complete details and disclosures.
Membership is established by maintaining $5 in a share/savings account with USFCU.

VISA CREDIT CARD

VISA CREDIT CARD PROGRAM

Interest Rates and Interest Charges	Platinum	Platinum Plus	Platinum Preferred
Annual Percentage Rate (APR) for Purchases	12.99%	9.89%	7.90%
APR for Balance Transfers	12.99%	9.89%	7.90%
APR for Cash Advances	12.99%	9.89%	7.90%
Penalty APR and When It Applies	None
How To Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.00
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using credit cards, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee	None	None	None
Transaction Fees
Balance Transfer	None	None	None
Cash Advances	None	None	None
Foreign Transaction	1.00% with currency conversion and/or 0.80% without currency conversion.
Penalty Fees
Late Payment	Up to $20	Up to $20	Up to $20
Over-the-credit-limit	None	None	None
Returned Payment	Up to $30	Up to $30	Up to $30
Other Fees	None	None	None
Guidelines	Line Amount: $500-$7,500 CURewards^® Bonus Points Program	Line Amount: $2,500-$15,000 CURewards^® Bonus Points Program	Line Amount: $5,000-$50,000 CURewards^® Premium Bonus Points Program

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases and cash advances). *An explanation of this method is provided in your account agreement.
General Requirements: To qualify for a United Southeast Federal Credit Union VISA, you must be at least 18 years of age, have regular monthly income, and meet the general lending policies of the credit union. In addition, a satisfactory credit report is required.
*In addition to all the benefits of our VISA credit cards, our Platinum Preferred also offers discount pharmacy, concierge service, and travel accident insurance.

Credit Card Agreement

Account Disclosures

HOME EQUITY LOANS

HOME EQUITY LOANS

Loan Type	APR*	Amount**
HELOC – Monthly¹	Prime Rate – Floor	Up to 90%

Fixed Rate Home Equity2
Term	APR*	Amount**	Pmt per $20,000
48 months	4.90% – 6.45%	Up to 90%	$460.20-$476.26
60 months	5.24% – 6.78%	Up to 90%	$380.10-$396.07
72 months	5.34% – 6.78%	Up to 90%	$325.68-$340.70
84 months	5.39% – 7.37%	Up to 90%	$286.73-$307.28
96 months	5.39% – 7.37%	Up to 90%	$257.27-$278.01
120 months	5.64% – 7.89%	Up to 90%	$218.75-$243.03
180 months	5.88% – 6.95%	Up to 90%	$167.74-$180.23

*APR-Annual Percentage Rate: Some restrictions may apply. Rates are subject to change weekly without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for complete details and disclosures.
**Loan amount is a percentage of the current appraised market value.
1 – HELOC – Monthly: Upon approval, additional closing costs are paid by the member. This plan has a variable rate feature, meaning that the APR may vary after the account is opened, and the APR and minimum payment may change as a result. The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The APR can change monthly on the first of day of each month. There is no limit on the amount by which the APR can change during any one year period. The maximum APR that can apply is 10.0% or the maximum permitted by law, whichever is less. However, under no circumstances will the APR go below 4.25% at any time during the term of the plan.Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 6 years to pay off a credit advance of $10,000 at an APR of 4.25%. During that period, you would make 72 payments of $158.00 and one final payment of $157.62.
2-Fixed Rate Home Equity: The interest rate in effect at the time of the loan is fixed for the term selected. All closing costs are the responsibility of the member. If there is no Escrow account associated with the property, one will be required as per federal law with the initiation of the loan.Membership is established by maintaining $5 in a share/savings account with USFCU.
Home Equity Early DisclosureWhat You Need to Know About Home Equity Lines of Credit.

VACANT PROPERTY

VACANT PROPERTY

Term	APR*	Amount	Pmt per $1000
120 months	6.99%	Up to 80%	$20.06

FARM EQUIPMENT

NEW & USED FARM EQUIPMENT

Term	APR*	Amount**	Pmt per $1,000
36 months	3.69% – 5.19%	NADA Trade-In	$29.39 – $30.06
48 months	4.69% – 6.19%	NADA Trade-In	$22.89 – $23.57
60 months	5.94% – 7.19%	NADA Trade-In	$19.30 – $19.89

SAVINGS

SAVINGS ACCOUNT RATES

Account Type	Dividend Rate	APY*	Minimum Deposit
Regular Share(Savings) and IRA Share Accounts**
$100.00 – $2,499.99	0.10%	0.10%	$5.00
$2,500.00 – $4,999.99	0.15%	0.15%
$5,000.00 – $14,999.99	0.20%	0.20%
$15,000.00 – $24,999.99	0.25%	0.25%
$25,000.00 – $49,999.99	0.30%	0.30%
$50,000.00 and over	0.30%	0.30%
Christmas Club, Vacation Club, and Mad Money Accounts**
$100.00 – $2,499.99	0.10%	0.10%	$5.00
$2,500.00 – $4,999.99	0.15%	0.15%
$5,000.00 – $14,999.99	0.20%	0.20%
$15,000.00 – $24,999.99	0.25%	0.25%
$25,000.000 – $49,999.99	0.30%	0.30%
$50,000.00 and over	0.30%	0.30%
Money Market Share Accounts
$1,000.00 – $4,999.99	0.25%	0.25%	$1,000
$5,000.00 – $24,999.99	0.30%	0.30%
$25,000 – $49,999.99	0.35%	0.35%
$50,000 – $99,999.99	0.40%	0.40%
$100,000 and over	0.40%	0.40%

*APY – Annual Percentage Yield. All balances earn the APY listed at time of renewal. No maximum deposit amount has been defined by USFCU.

**Minimum balance of $100 required to earn dividends.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.Fees could reduce the earnings on the account.
Membership is established by maintaining $5 in a share/savings account with USFCU.

SHARE CERTIFICATES AND IRA RATES

SHARE CERTIFICATES AND IRA RATES

Description	Dividend Rate	APY*	Minimum Deposit**
91 Day Maturity	0.300%	0.30%	$1,000
6 Month Maturity	0.399%	0.40%	$1,000
12 Month Maturity	0.449%	0.45%	$1,000
18 Month Maturity	0.499%	0.50%	$1,000
24 Month Maturity	0.648%	0.65%	$1,000
30 Month Maturity	0.698%	0.70%	$1,000
36 Month Maturity	0.748%	0.75%	$1,000
48 Month Maturity	0.847%	0.85%	$1,000
60 Month Maturity	0.947%	0.95%	$1,000

*APY – Annual Percentage Yield. All deposit amounts earn the same percentage yield based on the term selected. Upon renewal, all balances earn the APY listed at time of renewal.

**IRA Certificates subject to minimum 6 month term and $1,000 minimum deposit. No maximum deposit amount has been defined by USFCU.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Early withdrawal from certificate subject to penalty. Membership is established by maintaining $5 in a share/savings account with USFCU. Dividends can be added back to your account, transferred to your credit union account, or check mailed to you each month.