Rates

Share Rates

TypeAnnual Percentage RateAnnual Percentage YieldNotes
Share Account.00%.00%Balance Requirement: $0.00 - $499.99
.02%.02%Balance Requirement: $500 - $2499.99
.10%.10%Balance Requirement: $2500.00 - $4999.99
.20%.20%Balance Requirement: $5,000.00 and up.
IRA.40%.40%

Certificates of Deposit

TermAnnual Percentage RateAnnual Percentage YieldNotes
12 Month.20%.30%

Loan Rates

TypeTermAnnual Percentage RateNotes
  All loan rates are based on FICO credit score 
New Auto as low as 5.00% - 7.00% 
Used Auto as low as 6.00% - 8.00%
 
Unsecured as low as 10.00%$5,000 maximum
Share Secured 4.0% 
Christmas Special1 Year as low as 7.00% $2000 maximum
Vacation Special1 Year as low as 7.00%$2000 maximum
    
Auto Loan Special in Sept & Oct   
Current VISA Credit Card Rate, only
11.00%

URE Federal Credit Union does risk based lending on loans, with the exception of VISA credit card loans and share covered loans. The rates will be based on the member’s FICO score.

New members are not eligible to borrow until they have been a member for 3 months. Members who have had reportable delinquent loan history (60 days or more) in the prior 12 months, must bring the loan up to date and keep the loan in current status for 6 months before they are eligible to apply for any new credit.