• Auto Loans
    New Auto Loans  
    Term APR
    Up to 72 months 2.99% APR
    Up to 84 months 3.49% APR
    Up to 96 months 4.99% APR
    Used Auto Loans    
    Term Year APR
    Up to 72 months 2011-2016 2.99% APR
    Up to 84 months 2011-2016 3.49% APR
    Motorcycle Loans  
    Term APR
    Up to 60 months 5.99% APR

    New and Used Auto Loans: APR (Annual Percentage Rate) as of October 1, 2017, and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, age or value of the 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% APR for 72 months.

    Motorcycle Loans: APR (Annual Percentage Rate) as of October 1, 2017, and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, age or value of the 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 1.240% 1.25%
    $1,000 36 months 1.490% 1.50%
    $1,000 48 months 1.740% 1.75%
    $1,000 60 months 2.080% 2.10%
    $1,000 84 months 2.230% 2.25%
    $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 1.590% 1.60%
    $1,000 60 months 2.180% 2.20%
    $1,000 84 months 2.325% 2.35%

    APY (Annual Percentage Yield) as of October 8, 2017, and is subject to change. Interest is paid monthly based on average daily balance. A penalty may be charged for early withdrawal. Features - Bump: if your certificate type/term rate rises, you can bump up to the new published rate at any time. Add-on: add funds to the balance at any time.  Withdrawal: withdraw your interest without penalty at any time. Cannot be combined with any other offer.

    *Available for members 17 and under only. 

  • 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 October 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 9.90% APR
    Visa Platinum Rewards 10.90% APR

    APR (Annual Percentage Rate) as of October 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 the 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% APR
    Home Equity Loan Up to 15 Years 5.75% APR
    Home Equity Loan Up to 20 Years 6.00% APR
    Home Equity Line of Credit Variable 4.99% APR

    Home Equity Loan: APR (Annual Percentage Rate) is as of October 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 October 1, 2017, is variable and is based on the Prime Rate (index) currently at 4.00% (as of 04/01/2017) 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 October 1, 2017, and is subject to change without notice. Interest is paid monthly based on average daily balance. 

  • Mortgage Loans

    Primary Residence

    Conforming Loans $50,000 to $424,100

    Type Program Rate APR
    15 Year Fixed No Cash Out 3.125% 3.142%
    30 Year Fixed No Cash Out 3.750% 3.773%
    7/1 ARM No Cash Out 2.750% 2.772%
    15 Year Fixed Cash Out 3.375% 3.416%
    30 Year Fixed Cash Out 4.000% 4.024%
    7/1 ARM Cash Out 3.125% 3.148%

    High Balance Loans $424,100.01 to $625,500

    Type Program Rate APR
    15 Year Fixed No Cash Out 3.500% 3.528%
    30 Year Fixed No Cash Out 4.125% 4.154%
    7/1 ARM No Cash Out 3.125% 3.143%
    15 Year Fixed Cash Out 3.750% 3.778%
    30 Year Fixed Cash Out 4.375% 4.394%
    7/1 ARM Cash Out 3.500% 3.516%

    Jumbo Loans $625,500.01 to $1,000,000

    Type Program Rate APR
    15 Year Fixed No Cash Out 3.750% 3.893%
    30 Year Fixed No Cash Out 4.3755% 4.385%
    7/1 ARM No Cash Out 3.375% 3.386%
    15 Year Fixed Cash Out 4.000% 4.021%
    30 Year Fixed Cash Out 4.625% 4.637%
    7/1 ARM Cash Out 3.750% 3.761%

    Rental property

    Conforming Loans $50,000 to $424,100

    Type Program Rate APR
    15 Year Fixed No Cash Out 3.500% 3.542%
    30 Year Fixed No Cash Out 4.125% 4.149%
    15 Year Fixed Cash Out 3.750% 3.792%
    30 Year Fixed Cash Out 4.375% 4.399%

    High Balance Loans $424,100.01 to $625,500

    Type Program Rate APR
    15 Year Fixed No Cash Out 3.875% 3.903%
    30 Year Fixed No Cash Out 4.500% 4.517%
    15 Year Fixed Cash Out 4.125% 4.154%
    30 Year Fixed Cash Out 4.750% 4.767%

    Jumbo Loans $625,500.01 to $1,000,000

    Type Program Rate APR
    15 Year Fixed No Cash Out 4.125% 4.146%
    30 Year Fixed No Cash Out 4.750% 4.762%
    15 Year Fixed Cash Out 4.375% 4.396%
    30 Year Fixed Cash Out 5.000% 5.012%

    Balloons, FHA, and VA Loans

    Unique Mortgage Loans
    We've partnered with CUSO Mortgage to offer Balloon, FHA (Federal Housing Administration), and VA (Veteran Affairs) loans.  For more information, click here.

    APR (Annual Percentage Rate) as of October 16, 2017.  Rates change daily, please call (800) 649-0193, extension 4925 for today's rate.  

    Fixed Rate Loans: 
    Rates valid up to 80% CLTV for primary residence and up to 70% for rental properties. Owner occupied single family residences, town homes, and condominiums in California only. No mobile or modular homes.  Best rates are posted based on FICO score of 730 or higher. Rates may differ if property is triplex our fourplex.  Lot size must be under five acres and not used for agricultural purposes. Rates subject to change daily.  

    7/1 ARM (Adjustable Rate Mortgage):
    Rate is fixed for 7 years. After the initial fixed term, the rate will adjust based upon the weekly average of the 1-year U.S. Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve, plus a margin. The caps are 2% annually and 6% lifetime based on the initial rate. The current index value is 1.350%. 
     

  • Personal Loans
    Type APR
    Personal Line of Credit 11.90% APR
    Personal Loan 9.90% APR

    Personal Line of Credit: APR (Annual Percentage Rate) as of October 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 October 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 October 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.