LOAN RATES 
 
Our Risk-Based Lending Program permits the credit union to now offer needed consumer loans to higher-risk credit applicants who typically have few if any reasonable credit options available while lower-risk credit applicants now qualify for more attractive and competitive consumer loan terms, rates, and loan limits than were previously available.

(eff. 01/23/2012)

            SHARE SECURED                                            2.900%                        24 months

            MONEY MARKET SECURED                             2.900%                       12 months

            CERTIFICATE SECURED                                   Cert Rate +350 bp       60 months

            Final/Balloon payment before/on certificate maturity date

            STOCK SECURED (*)                                       3.900% up to 8.900%    48 months

            Up to 90% of current market value

             PERSONAL SIGNATURE (unsecured) (*)

             $500 to $6,000                                               9.900% up to 17.900%   36 months

             Up to 2X monthly gross income

            AUTO, BOAT, & RV (*)

            Rates per term                                                2.900% up to  7.900%     24 months or less

                                                                                  3.400% up to  8.400%     25 to 36 months

                                                                                  3.900% up to  8.900%     37 to 48 months

                                                                                  4.400% up to  9.400%     49 to 60 months

                                                                                  4.900% up to  9.900%     61 to 72 months

                                                                                  5.400% up to 10.400%    73 to 84 months

            Terms per model year                                       2005                              42 months

                                                                                   2006                              48 months

                                                                      2007                               54 months

                                                                                   2008                              60 months

                                                                                   2009                              66 months

                                                                                   2010                              72 months

                                                                                   2011                              78 months

                                                                                   2012                              84 months

                  New: up to 110% of Dealer Invoice, 2011 & 2012 up to 5000 miles

                  Used: up to 110% of NADA Trade-in Value / Low Retail

                  Comprehensive & Collision insurance maximum deductible of $1000

            MOTORCYCLES, ATVS, & PERSONAL WATERCRAFT (*)

                        Less than $2,500                                 4.400% up to   9.400% out to 36 months

                        $2,500 +                                             5.400% up to 10.400% out to 60 months

                 New: up to 110% of 90% of Suggested List Price

                 Used: up to 110% of NADA Low Retail

                 Comprehensive & Collision insurance maximum deductible of $500

      HOME EQUITY LINE OF CREDIT                    3.900% up to 8.900%

      This initial rate will vary proportionately with the Prime Rate

NOTE:  $6,000 MAXIMUM ON ANY LOAN WITH NO OR DIFFICULT TO RECOVER COLLATERAL.  WILL CONSIDER MATCHING A COMPETITOR’S LOAN TERMS “OFFER” ON A CASE-BY-CASE BASIS.

(*) category with rate determined within the Risk-based Loan Underwriting Policy

CREDIT DECISION CRITERIA
Credit worthiness is determined through a review of residence and employment stability, credit bureau reports, debt ratio, unsecured debt load, and collateral (if applicable). A fully completed credit application is required before any consideration can be given. A recent paystub or tax return may be necessary to verify your employment and income.

DIVIDEND RATES  
The United Arkansas FCU Board of Directors approves and announces dividend rates on share accounts at the end of each quarter. Current share certificate rates are fixed but are subject to change at any time. Please call a Member Service Representative toll free at 800-216-6393 or (501) 565-8500 or (501) 228-3000 for a current rate quote. 

                                                                                  Essential/Preferred                 Prime

                                                                                  APR              APY        APR               APY

SHARE SAVINGS ($100 +) 1st Qtr 2012)                      0.010%  =  0.01%          0.260%  =  0.26%

MONEY MARKET SAVINGS (Jan 2012)                        0.050%  =  0.05%          0.300%  =  0.30%

CHECKING PLUS (Jan 2012)                                        0.010%  =  0.01%          0.260%  =  0.26%

SHARE CERTIFICATES ($2,500 Minimum) (eff. 01/23/2012)

              6 months                                                      0.300%  =  0.30% APY

            12 months                                                      0.500%  =  0.50% APY

            24 months                                                      0.996%  =  1.00% APY

            36 months                                                      1.195%  =  1.20% APY

            48 months                                                      1.293%  =  1.30% APY

            60 months                                                      1.393%  =  1.40% APY

INDIVIDUAL RETIREMENT ACCT (1st Qtr 2012)

            IRA Shares                                                     0.350%  =  0.35%           0.599%  =  0.60%

            IRA Certificate rates same as Share Certificate rates

CHRISTMAS CLUB ACCT      (Nov 2011 - Oct 2012)      0.010%  =  0.01%           0.260%  =  0.26%