Loan Rates

Risk Based Lending Rates | Fee Schedule

Personal Loans

 Loan Type Maximum Term Amount Financed Minimum APR Maximum APR 
Signature Loan 6–48 months $100 – $5,000 9.00% 14.00% 
Line of Credit “Cash Flow” Open-End $500 – $10,000 10.00% 11.00% 

New Auto Loans

 Year Maximum Term Minimum APR Maximum APR 
2025-2026 84 months 4.75% 14.25% 
2025-2026 72 months 4.50% 14.00% 
2025-2026 60 months 4.00% 13.50% 
2025-2026 48 months 3.75% 13.25% 
2025-2026 36 months 3.50% 13.00% 

Used Auto Loans

 Year Maximum Term Minimum APR Maximum APR 
2024-2015 72 months 5.00% 14.50% 
2024-2015 60 months 4.75% 14.25% 
2024-2015 48 months 4.25% 13.75% 
2024-2015 36 months 4.00% 13.50% 

Motorcycle Loans

 Year Maximum Term Minimum APR Maximum APR 
2025-2026 36 months 5.50% 11.00% 

 Disclosures & Special Conditions 

  • Line of Credit (Cash Flow) requires a FICO score of 680 or above. 
  • Applicants with a FICO score below 600 must provide 10% down on an auto/motorcycle loan and may need a sponsoring member to co-sign. 
  • No pre-payment penalties on any UDCU loans. 
  • All loans are subject to a $25 cancellation fee and a non-refundable refinance fee. 
  • Check the UDCU for loan specials. 
  • The UDCU Board of Directors reserves the right to change the rates or policies at any time.