Rates
Savings Rates
Rates are subject to change at any time without notice.
SHARES |
*APR |
Mountain
Trust Accounts
Special Accounts
Share Plus Accounts ($300.00 Min.)
Christmas Club
Share Draft (Checking) *$500.00 Min.
Cascade Money Market ($2,000.00 Min.)
Business Drafts (Checking) *$500.00 Min.
IRA |
0.10%
0.10%
0.10%
0.15%
0.20%
0.10%
0.25%
0.10%
0.75% |
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CERTIFICATES |
*APR |
6 Months $500 Minimum | 0.10% |
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6 Months $1,000 Minimum | 0.25% |
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1 Year $500 Minimum | 0.10% |
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1 Year $1,000 Minimum | 0.25% |
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1 Year $10,000 Minimum | 0.35% |
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1 Year $20,000 Minimum | 0.40% |
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2 Year IRA $1,000.00 Minimum | 0.85% |
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* Annual Percentage Rate
Minimum of $100.00 balance to earn APR on Mountain Share Account.
Fees could reduce earnings on account. SHARE DRAFT ACCOUNT DIVIDENDS NOW PAY AND COMPOUND MONTHLY.
DEBIT CARD TRANSACTIONS ARE NOW SUR-CHARGE FREE AT USNB ATM MACHINES
A penalty will be imposed for early withdrawal on certificate accounts.
LOAN RATES AND INFORMATION:
New Vehicle
Amount Financed |
Term (up to) |
APR1 |
Up to 100% Financing2 |
96 Months** |
2.49% - 13.69% |
Used Vehicle
Amount Financed |
Term (up to) |
APR1 |
90% of Retail Book Value |
84 Months** |
1.99% - 13.94% |
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Used Vehicle 2006 or Older
Amount Financed |
Term (up to) |
APR1 |
80% of Retail Book Value |
60 Months |
5.99% - 16.49% |
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New RV
Amount Financed |
Term (up to) |
APR1 |
Up to 100% Financing |
144 months |
5.59% - 16.09% |
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Used RV
Amount Financed |
Term (up to) |
APR1 |
90% of Retail Purchase Price2 |
120 Months |
5.99% - 16.49% |
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Used RV Over 5 Years Old
Amount Financed |
Term (up to) |
APR1 |
80% of Retail Book Value |
60 months |
6.99% - 17.49% |
New Motorcycle
Amount Financed |
Term (up to) |
APR1 |
90% of Purchase Price |
72 months |
5.59% - 16.09% |
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Used Motorcycle
80% of Retail Book Value |
60 months |
6.99% - 17.49% |
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Farm & Garden Equipment
80% of Estimated Value |
60 months |
6.99% - 17.49% |
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Share Secured Loans
3% above share dividend rate |
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Certificate Secured Loans
2% above paying rate of certificates |
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Signature Loans & Line-of-Credit
9.90% APR1 up to 60-month term |
Maximum $25,000.00 |
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Visa® Credit Card
9.99% APR1 |
Maximum $9,000.00 |
To request a Visa® Credit Card Agreement please call |
1-800-642-5182 |
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HELOC Loans (Home Equity Line of Credit)
20 Years up to $120,000.00 |
3.50% + 182 Day T-Bill |
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First Mortgage & Second Mortgage
Contact credit union for rates and terms |
* Rates are based on your credit history and credit qualifications. All loans are subject to approved credit.
** Estimated repayment periods: 72 month repayments period requires a $8,000 minimum loan amount and 84 month requires a minimum loan amount of $10,000.
1 APR is the Annual Percentage Rate. Rates include a .50% discount for automatic payment from an IBEW/SJ Cascade FCU account and electronic delivery of your monthly statement. Monies must be on deposit before the date of the due date of the automatic payment. If the automatic payment option and or the electronic delivery of your monthly statement are cancelled during the life of the loan, the rate will subsequently increase by .50%. Additional terms may apply; contact the Credit Union for more information.
2 We finance new vehicles up to 100% of KBB retail value MSRP, plus any taxes, title fees, or dealer maintenance contracts for Tiers 1-2 borrowers for Tier 3 up to 90% of KBB, Tier 4 up to 80% and Tier 5 up to 50%. Financing for used vehicles used 2010 to 2006 for Tier 1-2 borrowers up to 100% of KBB Private Party; for Tier 3 up to 80% of KBB Private Party; Tier 4 up to 70% of KBB Private Party, Tier 5 up to 50% of KBB Private Party. Financing for older used vehicles 2007 and older 100% for Tier 1-2; borrowers for Tier 3 up to 80% of KBB Trade-In Value, Tier 4 up to 70% of KBB Trade-In Value, Tier 5 up to 50% of KBB Trade-In Value.