Rates Effective as of 4/1/2025
Visa® Credit Cards
| Visa® Credit Cards |
APR* |
Amount |
| Visa® Gold |
7.75% to 13.75% |
Up to $20,000 |
| Visa® Platinum Rewards |
9.75% to 14.75% |
Up to $20,000 |
* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index. It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.
Credit limits up to $3,000 require a minimum 680 FICO credit score.
Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
Credit limits over $10,000 require a minimum 760 FICO credit score.
You must be a member of UFCU to apply.
Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.
Rates Effective as of 4/1/2025
Vehicle Rates**
Loan Type
New & Pre-owned |
Term |
APR* |
| Car, Van, Truck |
24 months |
4.75% |
| Car, Van, Truck |
36 months |
5.00% |
| Car, Van, Truck |
48 months |
5.25% |
| Car, Van, Truck |
60 months |
5.50% |
| New Only |
72 months |
5.875% |
Personal Loans**
| Loan Type |
Term |
APR* |
Amount |
| Personal |
Up to 48 months |
9.75% – 16.9% |
Up to $20,000** |
Stock Secured Loan
| Loan Type |
Term |
APR* |
| New York, NASDAQ |
Up to 60 months |
8.00% |
*APR= Annual Percentage Rate. The actual APR of the loan is based upon credit score and capability to repay loan. Rates are subject to change without further notice. Limited time offer.
Must be a UFCU member to apply.
**Personal and Vehicle Loans
The posted interest rates are for current model year vehicles, and 3 previous model year vehicles (2025-2022).
The maximum repayment term for model years 2017 and older is 48 months.
Vehicle model years 2018 thru 2022-add 100 basis points to the posted vehicle interest rates.
Vehicle model years 2015 thru 2017-add 200 basis points to the posted vehicle interest rates.
Proof of insurance is required for all vehicle loans with a maximum insurance deductible of $1,000 with proof of comprehensive and collision coverage.
Personal Loans and Vehicle Loans under $5,000 require a minimum 720 FICO Credit Score.
Personal Loans and Vehicle Loans over $5,000 require a minimum 760 FICO Credit Score.
Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.
Rates Effective as of 4/1/2025
Recreational Vehicle Loans
| Product |
APR* |
Rate Type |
Max Term |
| New Boat/RV |
5.25% |
Fixed |
60 Months |
| New Boat/RV |
5.75% |
Fixed |
72 Months |
| New Boat/RV |
5.875% |
Fixed |
84 Months |
| New Boat/RV |
6.125% |
Fixed |
96 Months |
| New Boat/RV |
6.50% |
Fixed |
120 Months |
| New Boat/RV |
6.625% |
Fixed |
132 Months |
| New Boat/RV |
6.75% |
Fixed |
144 Months |
| New Boat/RV |
6.875% |
Fixed |
156 Months |
| New Boat/RV |
7.00% |
Fixed |
168 Months |
| New Boat/RV |
7.25% |
Fixed |
180 Months |
| Product |
APR* |
Rate Type |
Max Term |
| Used Boat/RV |
5.50% |
Fixed |
60 Months |
| Used Boat/RV |
5.875% |
Fixed |
72 Months |
| Used Boat/RV |
6.00% |
Fixed |
84 Months |
| Used Boat/RV |
6.25% |
Fixed |
96 Months |
| Used Boat/RV |
6.625% |
Fixed |
108 Months |
| Used Boat/RV |
6.75% |
Fixed |
120 Months |
| Used Boat/RV |
7.00% |
Fixed |
132 Months |
| Used Boat/RV |
7.25% |
Fixed |
144 Months |
| Product |
APR* |
Rate Type |
Max Term |
Jet Skis
Wave Runners |
10.75% |
Fixed |
36 Months |
*Annual percentage rate. Loans on approved credit. Actual APR based on credit worthiness.
Rate is subject to change at any time without notice.
Loan term maximum for New Boat/RV is 180 months. Used Boat/RV 144 months.
Maximum amount financed $250,000.00
Minimum required FICO Score of 760. Minimum down payment of 15%.
Full coverage physical damage insurance required.
Existing UFCU loans cannot be refinanced; applies to new loans only. Membership required.
Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.
Rates Effective as of 4/1/2025
Student Loan/Student Refinance loan Rates
| Loan Type |
Term |
APR* |
| Student Refinance |
96 months |
5.99% |
| Student Refinance |
84 months |
5.75% |
| Student Refinance |
72 months |
5.50% |
| Student Refinance |
60 months |
5.375% |
| Student Refinance |
48 months |
5.25% |
| Student Refinance |
36 months |
5.125% |
| Student Refinance |
24 months |
4.875% |
*APR= Annual Percentage Rate.
The actual APR of the loan is based upon credit score and capability to repay loan.
Rates are subject to change without further notice. We reserve the right to modify or discontinue.
The maximum amount to borrow is $50,000.
Loans under $10,000 require a 700 minimum FICO credit score.
Loans between $10,001 and $20,000 require a 740 minimum FICO credit score.
Loans between $20,001 and $50,000 require a 760 minimum FICO credit score.
You must be a member of UFCU to apply.
Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.
Rates Effective as of 4/1/2025
Money Market
| Account Type |
Rate |
APY |
Tier I
($2,500 to $9,999) |
0.20% |
0.20% |
Tier II
($10,000 to $49,999) |
0.30% |
0.30% |
Tier III
($50,000 and over) |
0.50% |
0.50% |
MONEY MARKET II
|
|
|
No minimum required
|
0.52% |
0.52% |
Share Certificates – Please contact us for our Share Certificate Specials:
jim.kopfensteiner@unilever.com
| Account Type |
$1,000 |
$10,000 |
$75,000+ |
| |
Rate |
APY |
Rate |
APY |
Rate |
APY |
| 3 months |
0.75% |
0.75% |
0.75% |
0.75% |
0.75% |
0.75% |
| 6 months |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
1.00% |
| 12 months |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
| 18 months |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
| 24 months |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
| 30 months |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
1.80% |
| 36 months |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
| 48 months |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
| 60 months |
2.50% |
2.50% |
2.50% |
2.50% |
2.50% |
2.50% |
Regular Share Accounts
| Account Type |
Rate |
APY |
| 4th Quarter Actual |
0.10% |
0.10% |
| 1st Quarter Estimate |
0.10% |
0.10% |
Rates are subject to change without further notice.
Upon maturity, share certificates are renewed automatically for the same term and at the current rate, unless you specify otherwise.
Share Certificates are subject to an early withdrawal penalty.
You must be a member of UFCU to apply.
Certain cost and restriction may apply.
Minimum deposit amounts:
Money Market Accounts = $2,500.
Share Certificates = $1,000.
Roth or Traditional IRA = $500.
Call us at 203-816-4041 or email beverly.lazzaro@Unilever.com for details.
