United Business & Industry Federal Credit Union

Unsecured - Share Secured - Auto Loans - RV & Boat - Mortgage - Second Mortgage - CDs - Savings - IRA certificates

All rates are subject to change
APR = Annual Percentage Rate
Rates and terms listed are to qualified borrowers
Rates determined by your credit history

Unsecured Rates
Our current rates are effective as of: April 1, 2008. Call for specials available.

Maximum	APR* As low as	Term	Maximum	Term
$10,000	8.00%	12mo	Up to $500	6mo
$10,000	8.50%	24mo	$501 - 1,000	12mo
$10,000	9.00%	36mo	$1001 - 2500	24mo
$10,000	9.50%	48mo	$2501 - $5000	36mo

Share Secured Rates
Our current rates are effective as of April 1, 2008.

Type	Maximum	APR* as low as	Term
Share Secured CD Secured		5.00% 3.00%	Over Rate Paid on Shares Over Rate Paid on CD

Auto Loan Rates
Our current rates are effective as of: April 1, 2008.

Loan Type	APR* As low as	Term
2008-2003 Minimum $10,000.00 Minimum $15,000.00	4.99% 4.99% 5.59%	up to 48 months up to 60 Months up to 72 Months
2007-2008 (New Only) Minimum $25,000.00	6.39%	up to 84 Months
2002-2001	7.29%	up to 48 Months
2000-1997	Contact C/U

New or Used Boat & RV Loans
Our current rates are effective as of: April 1, 2008.

Loan Type	APR* As low as	Term
New RV or Boat	7.99%	84 Months
Used RV or Boat	9.49%	84 Months

Second Mortgage
Our current rates are effective as of: April 1, 2008. Call for rates above 80% LTV.

80% Loan to Value	APR* As low as	Term
$10,000 Minimum	5.75%	60 Months
$10,000 Minimum	5.99%	84 Months
$10,000 Minimum	5.99%	120 Months
$10,000 Minimum	6.75%	180 Months
$50,000 Minimum	7.25%	240 Months

Certificate of Deposit Rates
Rates are effective as of: April 7, 2008.

Certificate	Minimum	Rate	APY*
3 Month Cert.	$1000	2.20%	2.22%
Jumbo	$50,000	2.30%	2.32%
6 Month Cert.	$1000	2.60%	2.63%
Jumbo	$50,000	2.70%	2.73%
12 Month Cert.	$1000	2.70%	2.73%
Jumbo	$50,000	2.80%	2.84%
12 Month Cert. New Money	$5,000	3.00%	3.04%
Jumbo New Money	$50,000	3.10%	3.14%
24 Month Cert.	$1000	2.80%	2.84%
Jumbo	$50,000	2.90%	2.94%
30 Month Cert.	$1000	2.90%	2.94%
Jumbo	$50,000	3.00%	3.04%
48 Month Cert.	$1000	3.15%	3.20%
Jumbo	$50,000	3.25%	3.30%
60 Month Cert.	$5000	3.20%	3.25%
Jumbo	$50,000	3.30%	3.35%

IRA Certificates
Rates are effective as of: April 7, 2008.

Certificate	Minimum	Rate	APY*
12 Month	$1000	2.70%	2.73%
Jumbo	$50,000	2.80%	2.84%
24 Month	$1000	2.80%	2.84%
Jumbo	$50,000	2.90%	2.94%
48 Month	$1000	3.15%	3.20%
Jumbo	$50,000	3.25%	3.30%
60 Month	$5000	3.20%	3.25%
Jumbo	$50,000	3.30%	3.35%

Savings Rates
Rates are effective as of: April 1, 2008.

Savings Account	Minimum	Rate	APY*
Share Savings (S1)	$100	.35%	.35%
Clubs (S7 & S9)	$1	.35%	.35%
IRA Shares (S5)	$1	.50%	.50%

Money Market	Minimum	Rate	APY*
	$2,500 to $9,999.99	0.60%	0.60%
	$10,000 to $24,999.99	1.10%	1.11%
	$25,000 to $49,999.99	1.80%	1.81%
	$50,000 to $249,999.99	2.20%	2.22%
	$250,000 and up	2.90%	2.94%

Health Savings	Minimum	Rate	APY*
HSA	$100 to $999.99	1.50%	1.51%
	$1,000 to $2,999.99	1.80%	1.81%
	$3,000 to $4,999.99	2.30%	2.32%
	$5,000 to $9,999.99	3.05%	3.09%
	$10,000 to $14,999.99	3.30%	3.35%
	$15,000 and up	3.80%	3.87%

Home Equity Line of Credit

Our current rates are effective as of: April 1, 2008.

80% Loan to Value	APR* As low as	Term
$10,000 Minimum	prime -1.50%	180 Months

Apply once and upon approval, you’ll have a source of low-cost funds that’s easily accessible whenever you need it. You pay interest only on the amount you use, so this flexible line of credit is ideal for unexpected purchases or expenses, as well as home remodels, second honeymoons or just about anything you can think of. Apply today, call or stop by. Borrow up to 90% of loan to value.

Credit lines of up to $150,000 available.
Advances by check
Minimum initial advance of $1,000*.
No prepayment penalty

Home Equity Line of Credit available only on owner-occupied property. **(Connecticut properties only)**

Mortgage Rates

First Mortgages
For traditional 15 year fixed rate Real Estate Mortgages, phone our Loan Department at (860) 747-4152 for more details.

Click here to explore mortgage options, view current rates, calculate your monthly payment or print a FREE prequalification letter with UBI's mortgage partner, MORTGAGE MARKETS CUSO. Instant Mortgage Loan Approval Online - Anytime, Day or Night

Top