912 N Archer Ave Norton, KS 67654(785) 877-5191 Branch 117 S. Penn, Oberlin, KS 67749 (785) 475-2322
United Northwest Federal Credit Union
United Northwest Federal Credit Union
   
     
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Rates

CERTIFICATE RATES

Certificate rates subject to change daily.

Minimum Deposit Term Rate APY
$1,000 3 Months .350% .350%
$1,000 6 Months .400% .400%
$1,000 12 Months .500% .501%
$1,000 18 Months .650% .651%
$1,000 24 Months .750% .751%
$1,000 36 Months .850% .852%
*United Northwest FCU charges a penalty fee for early withdrawal on all certificates. Please contact the Credit Union for more information about fees.

 

SAVINGS RATES

Simple Dividend Rate Annual Percentage Yield Range Share Balance Required to Earn Rate
.25% .26% $50.00 to $10,000.00
.35% .26% to .349% $10,000.00 and up
IRA's 1.50% 1.508% $50.00

They are paid using a daily balance method. A minimum balance of $50.00 must be maintained on a daily basis to earn a dividend for that day. Savings accounts that drop below $50.00 during a quarter will be charged a $1.00 service fee at the end of the quarter. A $10.00 service charge will be imposed if an account is closed before 1 years time. A $5.00 charge is imposed on accounts for transfers that bring the balance below $50.00 at the time of the transfer. Accounts closed before the dividend posting date (the last day of each quarter) will not receive a dividend for that quarter.

Rates posted reflect the most recent dividend paid. The actual dividend rates for current quarter may vary. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Premiums for a life insurance policy worth up to $2,000.00 will be paid by the Credit Union with this savings account. Certain age restrictions do apply. Ask for details.

Personalized Lending Rates

Loan rates are based on monthly income, stability of employment, credit history, current financial obligations and collateral offered. Rates shown are standard rates, actual rates will be determined with approved credit.

LOAN RATES

Collateral Length of term Fixed Rate Payment Factor/$1000*
A. 2014 Autos 72 months 3.50%  
B. 2011 - 2013 36 months 5.00% 29.98
  48 months 5.25% 23.15
  60 months 5.50% 19.11
C. 2007-2010 36 months 5.75% 30.32
  48 months 6.00% 23.50
  60 months 6.25% 19.46
D. 2004-2006 36 months 6.50% 30.66
  48 months 6.75% 23.84
  54 months 6.95% 21.63
E. 2003 or older 36 months 7.55% 30.68
  48 months 7.75% 24.22
F. Share secured up to 120 months 3.00% 9.66
G. Share certificate secured up to 120 months 3.00% above the certicate rate  
H. 100% signature loans   15.00%  
I. New Boats & RV's up to 60 months 6.50%  
J. Used Boats & RV's up to 36 months 8.50%  
K.. Commercial and Agriculture loans M-36 months 5.50% 19.31
  M-48 months 6.00% 23.84
  M-60 months 6.25% 19.78
L. Member Business Loans Variable - Prime rate + 2.75% up to 7 years with minimum 7.50%
M. Home loans 10% down Var. 1.00% above prime rate on a Thirty year note - min 4.25%
  Fixed 1.75% above prime rate on a Ten year note with balloon - min 5.00%
N. Home loans 20%   down Var. .50% prime rate on a Thirty year note - min. 3.75%
  Fixed 1.25% above prime rate on a Ten year note with balloon - min 4.50%
O. Visa Card 10.99/14.99    

Rates subject to change without notice.

* Payment Factor = amount of loan divided by 1,000, taken times the

payment factor.  Example:  The monthly payment for a new car loan of

$10,000 for 36 Months @ 5.55% is (10,000/1,000)=10 X 30.22 = monthly payment of $302.20.

NCUA America's Credit Unions Liberty Checks Equal Housing Lender

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