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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. 05/19/2014)

 

 

            SHARE SECURED                                            3.9%                          24 months

 

            MONEY MARKET SECURED                             3.9%                         12 months

 

            CERTIFICATE SECURED                                   Cert Rate+350 bp       60 months

            Final/Balloon payment before/on certificate maturity date

 

            STOCK SECURED (*)                                       4.9% up to 8.900%      48 months

            Up to 90% of current market value

           

             PERSONAL SIGNATURE (unsecured) (*)

             $500 to $6,000                                               9.9% up to 17.9%          36 months

             Up to 2X monthly gross income

 

            AUTO, BOAT, & RV (*)

            Rates per term                                                1.9% (-10.9%)                  24 months

                                                                                  2.4% (-11.4%)                 25 to 36 months

                                                                                  2.9% (-11.9%)                 37 to 48 months

                                                                                  3.4% (-12.4%)                 49 to 60 months

                                                                                  3.9% (-12.9%)                 61 to 72 months

                                                                                  4.4% (-13.4%)                 73 to 84 months

 

            Term maximum per model year                         2007                              42 months

                                                                                  2008                              48 months

                                                                      2009                              54 months

                                                                                  2010                              60 months

                                                                                  2011                              66 months

                                                                                  2012                              72 months

                                                                                  2013                              78 months

                                                                                  2014                              84 months

  

 

 

                  New: up to 110% of Dealer Invoice, 2013 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                                 3.9% (-12.9%)                  36 months

                        $2,500 +                                             4.9% (-13.9%)                   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

 

    

 

 

 

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 2014)                  0.01%    =     0.01%      0.26%   =     0.26%

 

MONEY MARKET SAVINGS (March 2014)                0.10%    =    0.10%       0.35%   =     0.35%

 

CHECKING PLUS (March 2014)                                0.01%    =    0.01%       0.26%   =     0.26%

 

SHARE CERTIFICATES ($2,500 Minimum) (eff. 05/19/2014)

              6 months                                                  0.15%    =    0.15%

            12 months                                                  0.35%    =    0.35%

            24 months                                                  0.50%    =    0.50%

            36 months                                                  0.55%    =    0.55%

            48 months                                                  0.65%    =    0.65%

            60 months                                                  0.80%    =    0.80%

 

INDIVIDUAL RETIREMENT ACCT (1st Qtr 2014)

            IRA Shares                                                  0.25%  =    0.25%       0.50%  =   0.50%

            IRA Certificate rates same as Share Certificate rates

   

CHRISTMAS CLUB ACCT      (Oct 2013)                   0.01%  =   0.01%        0.26%  =   0.26%

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