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.

(effective 7/01/09)

            SHARE SECURED                                            3.40%                           24 months

            MONEY MARKET SECURED                             4.90%                             12 months

            CERTIFICATE SECURED                                   Cert rate +300 bp          60 months

            Final or Balloon payment before or on certificate maturity date

            STOCK SECURED (*)                                        5.40% (-10.40%)            48 months

            Up to 90% of current market value

            PERSONAL SIGNATURE (unsecured) (*)

                        $500 to $6,000                                      9.90% (-17.90%)            36 months

                        Up to 2X monthly gross income

            AUTO, BOAT, & RV (*)

            Rates per term                                      3.90% (-8.90%)              24 months or less

                                                                                    4.40% (-9.40%)              25–36 months

                                                                                    4.90% (-9.90%)              37-48 months

                                                                                    5.10% (-10.10%)            49-60 months

                                                                                    5.70% (-10.70%)            61-72 months

                                                                                    5.90% (-10.90%)            73-84 months

            Terms per model year                            2002                           42 months

                                                                        2003                           48 months

                                                                        2004                           54 months

                                                                                    2005                           60 months

                                                                                    2006                           66 months

                                                                                    2007                           72 months

                                                                                    2008                           78 months

                                                                                    2009                           84 months

                  New: up to 110% of Dealer Invoice, ’09 up to 5000 miles

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

                  Comprehensive & Collision insurance maximum deductible of $500

            MOTORCYCLES, ATVS, & PERSONAL WATERCRAFT (*)

                        Less than $2,500                                   6.90% (-11.9%)              36 months

                        $2,500 +                                               5.90% (-10.90%)            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.

This section of our website is currently under construction. Please check back soon for access to our loan rates. You may contact a United Arkansas FCU lending representative at any time to request loan rates.

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 at (501) 565-8500 or (501) 228-3000 for a current rate quote. 

(effective 7/01/09)

                                                                         Essential/Preferred        Prime

                                                                         APR     APY                 APR     APY

SHARE SAVINGS ($100 +) (2nd Qtr ’09 Accrual) 0.25%     0.25%               0.50%   0.50% 

MONEY MARKET SAVINGS (June 2009)            1.24%     1.25%               1.49%   1.50%

CHECKING PLUS (June 2009)                             .74%       .75%                 .99%   1.00%

SHARE CERTIFICATES ($2,500 Minimum) (eff. 7/01/2009)

            6 month                                                1.738%   1.75%               1.984%    2.00%

            12 month                                              1.886%   1.90%                2.132%   2.15%

            24 month                                              2.23%     2.25%                2.475%   2.50%

            36 month                                              2.475%   2.50%                2.72%     2.75%

            48 month                                              2.594%   2.60%                2.818%   2.85%

            60 month                                              2.72%     2.75%                2.975%   3.00%

INDIVIDUAL RETIREMENT ACCOUNT (2nd Qtr ’09 Accrual)

            IRA Shares                                          1.984%    2.00%                2.23%     2.25%

            IRA Certificate rates same as Share Certificate rates

CHRISTMAS CLUB ACCOUNT (‘08-'09 Accrual)   0.25%    0.25%                 .50%      .50%  

The United Arkansas FCU Board 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 501-565-8500 or 501-228-3000 for a current rate quote.