Deposit Rates:
CDs  |  IRAs  |  Money Market  |  Regular Savings  |  Interest Checking and Optima Checking
HSA Checking  |  Unitus Rewards Checking

Loan Rates:
Mortgage Rates  |  Home Equity Loans & Lines  |  Auto Loans  |  Credit Cards  |  Additional Loans


CDs
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierTermDividend RateAPY*
$500 - $19,999.993 months0.30%0.30%
 6 months0.40%0.40%
 9 months0.45%0.45%
 12 months0.70%0.70%
 18 months0.90%0.90%
 24 months1.19%1.20%
 36 months1.88%1.90%
 48 months2.37%2.40%
 60 months & Optima**2.57%2.60%
    
$20,000 - $49,999.993 months0.35%0.35%
 6 months0.45%0.45%
 9 months0.50%0.50%
 12 months0.75%0.75%
 18 months0.95%0.95%
 24 months1.24%1.25%
 36 months1.93%1.95%
 48 months2.42%2.45%
 60 months & Optima**2.62%2.65%
    
$50,000 or more3 months0.40%0.40%
 6 months0.50%0.50%
 9 months0.55%0.55%
 12 months0.80%0.80%
 18 months1.00%1.00%
 24 months1.29%1.30%
 36 months1.98%2.00%
 48 months2.47%2.50%
 60 months & Optima**2.67%2.70%

*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.
** Optima Club, minimum balance $2,500

Read about obtaining additional insurance coverage on multiple accounts in NCUA's revised brochure, Your Insured Funds, available at the following website: http://www.ncua.gov/NewsPublications/Publications/PDF/brochures/insured_funds/funds.pdf



IRAs
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierTermDividend RateAPY*
$500 - $19,999.993 months0.40%0.40%
 6 months0.50%0.50%
 9 months0.55%0.55%
 12 months***0.80%0.80%
 18 months1.00%1.00%
 24 months1.29%1.30%
 36 months1.98%2.00%
 48 months2.47%2.50%
 60 months & Optima**2.67%2.70%
    
$20,000 - $49,999.993 months0.45%0.45%
 6 months0.55%0.55%
 9 months0.60%0.60%
 12 months***0.85%0.85%
 18 months1.05%1.05%
 24 months1.34%1.35%
 36 months2.03%2.05%
 48 months2.52%2.55%
 60 months & Optima**2.72%2.75%
    
$50,000 or more3 months0.50%0.50%
 6 months0.60%0.60%
 9 months0.65%0.65%
 12 months***0.90%0.90%
 18 months1.09%1.10%
 24 months1.39%1.40%
 36 months2.08%2.10%
 48 months2.57%2.60%
 60 months & Optima**2.77%2.80%

*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.
**Optima Club, minimum balance $2,500.
***12 month IRA CD, $25 minimum opening balance.

Read about obtaining additional insurance coverage on multiple accounts in NCUA's revised brochure, Your Insured Funds, available at the following website: http://www.ncua.gov/NewsPublications/Publications/PDF/brochures/insured_funds/funds.pdf



Personal Money Market
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierDividend RateAPY*
$0 - $9,999.990.25%0.25%
$10,000 - $24,999.990.65%0.65%
$25,000 - $49,999.990.75%0.75%
$50,000 - or more0.85%0.85%
*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.


Business Money Market
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierDividend RateAPY*
$0 - $9,999.990.25%0.25%
$10,000 - $24,999.990.50%0.50%
$25,000 - $49,999.990.65%0.65%
$50,000 or more0.75%0.75%
*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.


Savings
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierDividend RateAPY*
$0 or more0.25%0.25%
*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.


Interest Checking, Optima Checking and Business Interest Checking
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierDividend RateAPY*
$0.00 - $9,999.990.15%0.15%
$10,000 or more0.25%0.25%
Interest Checking is free from monthly fees with a minimum balance of $500 and Optima Checking requires no minimum balance but does require that the member be 50 years of age or better.
*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.


Health Savings Account (HSA) Checking
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierDividend RateAPY*
$0 - $2,499.990.75%0.75%
$2,500 - $24,999.991.24%1.25%
$25,000 - $49,999.991.98%2.00%
$50,000 or more2.47%2.50%
*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.


Unitus Rewards Checking
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
TierDividend RateAPY*
$0.00 - $9,999.990.15%0.15%
$10,000 - $24,999.990.25%0.25%
$25,000 - $49,999.990.35%0.35%
$50,000 or more0.40%0.40%
*APY = ANNUAL PERCENTAGE YIELD. Penalty for early withdrawal may apply. APY offered may change at any time.


Mortgage
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
ProductRateAPR*Points
30 Year Fixed HVP4.375%4.491%0
15 Year Fixed HVP3.875%4.070%0
5/1 Year ARM HVP3.375%3.238%0
3/1 Year ARM HVP3.000%3.106%0

*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. The rates above assume a conforming loan amount, a combined loan-to-value of 80% or less, excellent credit quality, and no cash out. Your rate will vary depending on a number of factors, including but not limited to, loan amount, loan-to-value, credit quality, purpose of request (refinance, cash out, investment property). We suggest you click on the link below and use our Loan Consultant for a more accurate rate quote. Other terms and conditions apply and rates are not considered locked until you have received and signed a formal lock agreement. Contact us for details.

Click here for a customized rate quote.





Home Equity Loans & Lines
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
Loan TypeRange
Home Equity Line of Credit (HELOC)
80% CLTV4.99% APR* - 10.24% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. The periodic and corresponding ANNUAL PERCENTAGE RATE for variable rate loans are calculated by adding or subtracting a margin to the U.S. Prime rate published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September and December of each calendar year. Any increase or decrease in a variable ANNUAL PERCENTAGE RATE takes effect on the first day of the billing period directly following the month in which we calculate the rate. The ANNUAL PERCENTAGE RATE may vary each quarter. Margin ranges from -0.51% to 2.75% and is based on your credit history and credit qualifications. After the draw period, repayment will continue to be 1.5% of the outstanding principal balance; ten (10) year draw period / 30 year amortization. Payments are due on the 20th of each month. We will finance up to a maximum of 80% of the appraised value, minus any existing liens. Maximum loan amount is $100K. To calculate the Combined Loan-to-Value, add the new equity loan amount to the balance of the first mortgage and then divide that sum by the value of the home. The maximum Combined Loan-To-Value (CLTV ) for a borrower with an Interest Only first mortgage loan is 80%. Credit Union is required to be in first or second lien position and will not take a second lien position behind an 'Option Payment' (also known as an Option ARM), an Interest Only, or Jumbo first mortgage. We lend up to 75% CLTV on Manufactured Homes (permanently attached to land and taxed as real property). All manufactured homes require an appraisal. Minimum loan amount is $5,000. Property must be located in AZ, CA, ID, NV, OR, or WA. A $295 origination fee is required. Larger or more complex loans may require an appraisal; the estimated cost for this service is $450. This product is not available on second/vacation homes, investment property, and/or rentals. Additional terms apply; contact the Credit Union for more information.
Fixed Rate Equity Loans
TermRateAnnual Percentage Rate* APR
7 Year3.99% APR* - 9.99% APR*4.342% APR* - 10.162% APR*
10 Year4.74% APR* - 10.74% APR*4.996% APR* - 11.027% APR*
15 Year5.24% APR* - 11.24% APR*5.422% APR* - 11.457% APR*
20 Year5.74% APR* - 11.74% APR*5.886% APR* - 17.925% APR*
Rates are based on your credit history and credit qualifications. The Rates quoted for Fixed Rate Equity Loans include a .50% discount for automatic payment from a Unitus Community Credit Union checking account and electronic delivery of your monthly statement; Unitus checking account requirement can be waived for Heritage members. If the automatic payment option and/or the electronic delivery of your monthly statement are canceled during the life of the loan, the rate will subsequently increase by .50%. Add 0.50% to the rates above if the first position mortgage is a Jumbo Loan.
*APR = ANNUAL PERCENTAGE RATE. APR includes $295 origination fee with an example loan amount of $25,000.
Payments on a $25,000 7 year fixed rate home equity loan would range from $341.67 - $415.08.
Payments on a $25,000 10 year fixed rate home equity loan would range from 262.07 - $340.89.
Payments on a $25,000 15 year fixed rate home equity loan would range from $200.91 - $288.12.
Payments on a $25,000 20 year fixed rate home equity loan would range from $175.46 - $270.97.
Larger or more complex loans may require an appraisal; the estimated cost for this service is $450. We will finance up to 80% of real market or appraised value, minus any existing liens. To calculate the CLTV, add the new equity loan amount to the balance of the first mortgage and then divide that sum by the value of the home. Credit Union is required to be in first or second lien position and will not take a second lien position behind an ‘Option Payment' first mortgage (also known as an Option ARM). If credit union is in 1st lien position, other third party fees may apply. Please call for additional details and options.
80.01%-90% Combined Loan to Value CLTV Equity Loans, available to 740+ Credit Score Applicants Only
TermRateAnnual Percentage Rate* APRPeriodic$25K Payment Example
7 Year5.99%6.351%0.016%$365.20
10 Year6.74%7.006%0.018%$287.04
15 Year7.24%7.432%0.020%$228.19
20 Year7.74%7.898%0.021%$205.20
Reduce rate by 0.25% if Unitus will be in first lien position. Add 0.50% to the rate if the first position mortgage is a Jumbo Loan. Max loan amount on loans 80% CLTV or less is $250,000; Max loan amount on loans 80.01%CLTV to 90% is $25,000. Minimum credit score on loans between 80.01% and 90% CLTV is 740. If an escrow account is required by law, the request will be processed as a first mortgage.
Unimproved Land Loan
TermRateAnnual Percentage Rate* APR
15 Year7.74% APR* - 13.74% APR*7.935% APR* - 13.974% APR*
Rates are based on your credit history and credit qualifications. We will finance up to 50% of the appraised value. Property must be zoned residential & cannot exceed five (5) acres. Maximum loan amount $50,000. Credit Union must be in first lien position. A $295 origination fee is required and other third party fees may apply. Property must be located in AZ, CA, ID, NV, OR, or WA. Additional terms may apply; contact the Credit Union for more information.
*APR = ANNUAL PERCENTAGE RATE. APR includes $295 origination fee with an example loan amount of $25,000.
Payments on a $25,000 15 year fixed rate Unimproved Land Loan would range from $235.30 - $328.84.


Auto Loan Rates
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
Loan TypeRange
New Autos, Vans, Trucks & SUVs (2008 or Newer)
12 - 36 Months2.99% APR* - 10.99% APR*
37 - 48 Months3.24% APR* - 11.24% APR*
49 - 60 Months3.49% APR* - 11.49% APR*
61 - 72 Months3.74% APR* - 11.74% APR*
73 - 84 Months3.99% APR* - 4.99% APR*
New Hybrid/Smartway Elite Autos, Vans, Trucks & SUVs (2008 or Newer)
24 - 36 Months2.74% APR* - 10.74% APR*
37 - 48 Months2.99% APR* - 10.99% APR*
49 - 60 Months3.24% APR* - 11.24% APR*
61 - 72 Months3.49% APR* - 11.49% APR*
73 - 84 Months3.74% APR* - 4.74% APR*
Used Autos, Vans, Trucks & SUVs (2005 to 2007)
12 - 36 Months2.99% APR* - 10.99% APR*
37 - 48 Months3.24% APR* - 11.24% APR*
49 - 60 Months3.49% APR* - 11.49% APR*
61 - 72 Months3.74% APR* - 11.74% APR*
73 - 84 Months3.99% APR* - 4.99% APR*
Older Autos, Vans, Trucks & SUVs (2004 or Older)
24 - 36 Months3.99% APR* - 11.99% APR*
37 - 48 Months4.24% APR* - 12.24% APR*
49 - 60 Months4.49% APR* - 12.49% APR*
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. We finance up to 100% NADA/KBB retail value MSRP, plus any taxes, title fees, or dealer maintenance contracts. For Older Autos (2004 and older) and autos with over 100K miles we will finance up to 70% of NADA/KBB retail value plus any taxes, title fees, or dealer maintenance contracts. Estimated repayment periods: 12-84 months; 72 month repayment period requires $12,000 minimum loan amount; 84 month repayment period requires an applicant credit score of 700 or better for New and Used Auto Loans and a $18,000 minimum loan amount. Max 60 month repayment period for older autos. Dealer maintenance contracts are limited to $3,500. We do not finance reconstructed/salvaged vehicles or lemon law buybacks. Rates include a .50% discount for automatic payment from a Unitus Community Credit Union checking account and electronic delivery of your monthly statement; Unitus checking account requirement can be waived for Heritage members. If the automatic payment option and/or the electronic delivery of your monthly statement are cancelled during the life of the loan, the rate will subsequently increase by .50%. Additional terms may apply; contact the Credit Union for more information.


Credit Cards
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
Loan TypeRange
Platinum Rewards Visa7.99% APR* - 15.49% APR*
(purchases, cash advances and balance transfers)
Classic Visa9.99% APR* - 17.49% APR*
(purchases, cash advances and balance transfers)
Secured Visa9.99% APR* - 17.49% APR*
(purchases, cash advances and balance transfers)
Choose Local Visa9.99% APR* - 17.49% APR*
(purchases, cash advances and balance transfers)
*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. The periodic and corresponding ANNUAL PERCENTAGE RATE for variable rate loans are calculated by adding or subtracting a margin to the U.S. Prime rate published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September and December of each calendar year. Any increase or decrease in a variable ANNUAL PERCENTAGE RATE takes effect on the first day of the billing period directly following the month in which we calculate the rate. The ANNUAL PERCENTAGE RATE may vary each quarter. Your due date is 25 days after the close of each billing cycle. A FINANCE CHARGE will be imposed on the portion of purchases included in the new balance that remains unpaid 25 days after the closing date. This "grace period" allow you to avoid a FINANCE CHARGE on purchases for a billing cycle. Platinum Rewards Card: purchase, cash advance and balance transfer margins range from 4.74% to 12.24%; all margins are based on your credit history and credit qualifications. Cap Rate: 18%; Index is U.S. Prime Rate; payments are $20.00 or 3% of the outstanding balance, whichever is greater. Late Payment fee of $20. No annual fee. Classic Rewards and Secured Visa Card margins range from 6.74% to 14.24% and are based on your credit history and credit qualifications. Cap Rate: 18%; index is U.S. Prime Rate; payments are $20.00 or 3% of outstanding balance, whichever is greater. Late Payment fee of $20. No annual fee. Choose Local Card margins range from 6.74% to 14.24% and are based on your credit history and credit qualifications. Cap Rate: 18%; index is U.S. Prime Rate; payments are $20.00 or 3% of outstanding balance, whichever is greater. Late Payment fee of $20. No annual fee. On Secured Visa Cards, a permanent hold equal to 1.5 times the requested credit limit is placed on funds in the member's Unitus savings account; automatic conversion to an unsecured Classic Rewards Visa Card after 12 consecutive monthly payments made on time. Additional terms may apply; contact the Credit Union for more information.


Additional Loans
Show Rates  |  Hide Rates  |  Rates effective as of September 3rd, 2010
Loan TypeRange
New RV (2009 or Newer)
12 - 84 Months5.99% APR* - 13.99% APR*
85 - 96 Months6.24% APR* - 14.24% APR*
97 - 120 Months6.49% APR* - 14.49% APR*
121 - 180 Months6.74% APR* - 14.74% APR*
Used RV (2008 or Older)
12 - 84 Months6.99% APR* - 14.99% APR*
85 - 96 Months7.24% APR* - 15.24% APR*
97 - 120 Months7.49% APR* - 15.49% APR*
New Boats (2009 or Newer)
12 - 84 Months5.99% APR* - 13.99% APR*
85 - 96 Months6.24% APR* - 14.24% APR*
97 - 120 Months6.49% APR* - 14.49% APR*
121 - 180 Months6.74% APR* - 14.74% APR*
Used Boats (2008 or Older)
12 - 84 Months6.99% APR* - 14.99% APR*
85 - 96 Months7.24% APR* - 15.24% APR*
97 - 120 Months7.49% APR* - 15.49% APR*
New Adventure Loans (2009 or Newer) - Motorcycles, ATVs, Jet Skis, etc.
12 - 60 Months5.99 APR* - 13.99% APR*
61 - 72 Months6.24 APR* - 14.24% APR*
Used Adventure Loans (2006 to 2008) - Motorcycles, ATVs, Jet Skis, etc.
12 - 60 Months6.99% APR* - 14.99% APR*
Savings-Secured Loan
12 - 36 Months5.50% APR* - 5.50% APR*
37 - 48 Months6.00% APR* - 6.00% APR*
Misc.
Personal7.99% APR* - 16.99% APR*
KWIK - Personal Line of Credit9.50% APR* - 13.25% APR*
Bicycle Loan6.99% APR**
Advance Loan18.00% APR*** - 18.00% APR***
Certificate-Secured Loan
TermRate
Length of certificate3% above the CD earning rate

*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. Additional terms may apply; contact the Credit Union for more information. For RV, Boat, Adventure, Personal and Advance Loans the rate includes a .50% discount for automatic payment from a Unitus Community Credit Union checking account and electronic delivery of your monthly statement; Unitus checking account requirement can be waived for Heritage members. The KWIK Line of Credit is a variable rate product. The periodic and corresponding ANNUAL PERCENTAGE RATE for variable rate loans are calculated by adding or subtracting a margin to the U.S. Prime rate published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September and December of each calendar year. Any increase or decrease in a variable ANNUAL PERCENTAGE RATE takes effect on the first day of the billing period directly following the month in which we calculate the rate. The ANNUAL PERCENTAGE RATE may vary each quarter. Margins range from 2.50% to 10.00% and are based on your credit history and credit qualifications. Floor rate: 9.50%; Cap Rate: 19.00%; Index is U.S. Prime Rate; Payments are $10.00 or 3%, whichever is greater, of outstanding balance. No annual fee.

**APR=ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. Rate includes a .50% discount for direct deposit and automatic payment from a Unitus Rewards Checking account and electronic delivery of your monthly statement. Minimum $250; maximum $3000. Maximum loan term is 24 months. Applies to new purchase only. Additional terms may apply, contact Unitus for more information. Loan term based on amount borrowed.

*** Requires direct deposit and automatic payment from a Unitus account. Additional restrictions apply; contact the Credit Union for more information