Online banking will be unavailable Saturday, April 29, 2017 between 3 p.m. and 9 p.m.

  • Auto Loans
    New Auto Loans  
    Term APR
    Up to 72 months 2.99%
    Up to 84 months 3.24%
    Up to 96 months 4.99%
    Used Auto Loans    
    Term Year APR
    Up to 72 months 2011-2016 2.99%
    Up to 84 months 2011-2016 3.24%
    Motorcycle Loans  
    Term APR
    Up to 60 months 5.99%

    New and Used Auto Loans:  APR (Annual Percentage Rate) as of April 1, 2017 and is subject to change.  Lowest rate quoted.  Your rate may vary based on creditworthiness, age or value of vehicle, amount financed and terms and conditions.  Loans are subject to credit approval.  Minimum loan $5,000; proof of insurance required.  Loan payment example: $15.19 per month for each $1,000 borrowed at 2.99% for 72 months.

    Motorcycle Loans: APR (Annual Percentage Rate) as of April 1, 2017 and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, age or value of vehicle, amount financed and terms and conditions. Loans are subject to credit approval. Proof of insurance required. Loan payment example: $19.33 per month for each $1,000 borrowed at 5.99% for 60 months. 

  • Certificates
    Fixed-Rate Certificates      
    Balance Term Rate APY
    $25,000 6 months 0.250% 0.25%
    $25,000 12 months 0.300% 0.30%
    $1,000 6 months 0.200% 0.20%
    $1,000 12 months 0.250% 0.25%
    $1,000 24 months 1.980% 2.00%
    $1,000 36 months 1.390% 1.40%
    $1,000 48 months 1.540% 1.55%
    $1,000 60 months 2.030% 2.05%
    $1,000 84 months 2.080% 2.10%
    $100 (Youth Certificate)* 12 months 0.250% 0.25%
    Fixed-Rate IRA Certificates      
    Balance Term Rate APY
    $25,000 6 months 0.350% 0.35%
    $25,000 12 months 0.400% 0.40%
    $1,000 12 months 0.350% 0.35%
    $1,000 36 months 1.490% 1.50%
    $1,000 60 months 2.030% 2.05%
    $1,000 84 months 2.130% 2.15%

    APY (Annual Percentage Yield) as of April 1, 2017 and is subject to change. Interest is paid monthly based on average daily balance. A penalty may be charged for early withdrawal. If we advertise a higher rate on certificates of this type you can make a one-time request during your certificates term to move up to the new rate. You may add funds to the balance of this certificate at any time and may make a one-time penalty-free withdrawal of your interest. Cannot be combined with any other offer.

    *Available for members 17 and under only. You may add funds to certificates of this type at any time.

  • Checking
    1st Interest Checking    
    Balance Rate APY
    $1,000 - $24,999 0.050% 0.05%
    $25,000 & Over 0.150% 0.15%

    APY (Annual Percentage Yield) as of April 1, 2017 and is subject to change without notice. Interest is paid monthly based on average daily balance. Fees could reduce actual earnings. Minimum $100 required to open. Interest is paid on balances at and over $1,000. $1,000 average monthly balance or a money market account of at least $5,000 required. $10 monthly fee without. 

  • Credit Cards
    Type APR
    Visa Platinum 9.65%
    Visa Platinum Rewards 10.65%

    APR (Annual Percentage Rate) as of April 1, 2017 and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, amount financed and terms and conditions. Loans are subject to credit approval. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. View our full Visa disclosure.

  • Home Equity
    Type Term APR
    Home Equity Loan Up to 10 Years 5.50%
    Home Equity Loan Up to 15 Years 5.75%
    Home Equity Loan Up to 20 Years 6.00%
    Home Equity Line of Credit Variable 4.74%

    Home Equity Loan:  APR (Annual Percentage Rate) is as of April 1, 2017 and valid up to 80% financing. Rate may increase depending on your credit qualifications. Loan payment example: $103.59 per month for each $10,000 borrowed at 5.50% for 120 months. Best rate quoted for primary residence. California properties only. Rental property rates available. 

    Home Equity Line:  APR (Annual Percentage Rate) is as of April 1, 2017, is variable and is based on the Prime Rate (index) currently at 3.750% (as of 12/19/2016) plus the applicable margin, may adjust monthly and is subject to change. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions.  Best rate quoted for primary residence. Fees may apply for loan amounts over $100k on primary residence. Rental property rates available. California properties only. No points, no fees and no closing costs applies to loans with a minimum loan amount of $10,000 and maximum loan amount of $100,000 for primary residences, $75,000 for rental, second or investment homes.  Actual costs apply for loans up to $500,000 for primary residences; $100,000 for rental, second or investment homes. Loan-to-value up to 80% for primary homes and up to 70% for rental, second or investment homes.  Loans are subject to credit approval. Offer not valid to refinance existing 1st United CU loans. Lifetime cap is 6.00% plus the initial rate.  Please consult a tax advisor regarding deductibility of interest.  Payments based on 1% of the outstanding balance.

  • Money Market
    Balance Rate APY
    $1,000 - $9,999 0.050% 0.05%
    $10,000 - $24,999 0.100% 0.10%
    $25,000 - $49,999 0.150% 0.15%
    $50,000 - $99,999 0.200% 0.20%
    $100,000 & Over 0.250% 0.25%

    APY (Annual Percentage Yield) as of April 1, 2017 and is subject to change without notice. Interest is paid monthly based on average daily balance. 

  • Mortgage Loans

    Rates change daily. For current rates, please call our Real Estate Department at (800) 649-0193.

  • Personal Loans
    Type APR
    Personal Line of Credit 11.65%
    Personal Loan 9.90%

    Personal Line of Credit:  APR (Annual Percentage Rate) as of April 1, 2017 and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, amount financed and terms and conditions. Loans are subject to credit approval.  

    Personal Loan: APR (Annual Percentage Rate) as of April 1, 2017 and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, amount financed and terms and conditions. Loans are subject to credit approval.  Payment example: $18.48 per month for each $1,000 borrowed at 9.90% for 72 months.

  • Savings
    Type Rate APY
    Regular Savings (Includes IRA, Holiday and Miscellaneous) 0.050% 0.05%
    Youth Savings (1st Savers Club) 0.050% 0.05%

    APY (Annual Percentage Yield) as of April 1, 2017 and is subject to change without notice. Interest is paid monthly based on average daily balance. Fees could reduce actual earnings. Interest is paid on balances at and over $100.

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