Vehicle
INTERNATIONAL UAW FEDERAL CREDIT UNION
8000 E JEFFERSON AVE
DETROIT MI 48214
CREDIT UNION HOURS: MONDAY – FRIDAY, 9:00 A.M. TO 4:30 P.M.
PHONE NUMBER: (313) 926-5281
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THE UNITY-LINE IS OPERATIONAL. CREDIT UNION SERVICE CENTER LOCATIONS AND SHARED BRANCHES ARE AVAILABLE.
PLEASE VISIT THE BRANCH LOCATOR AT: WWW.CO-OPCREDITUNIONS.ORG/LOCATOR
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EXPERIAN CREDIT SCORINIG
A = 680 AND ABOVE
B = 630 – 679
C = 600 – 629
D = 599 AND BELOW
VEHICLE LOANS (Titled)
LOAN RATES EFFECTIVE 01/01/2026
| Credit Rating | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|
| 12 months | 5.00 | 7.00 | 10.00 | 12.00 |
| 24 months | 6.00 | 8.00 | 11.00 | 13.00 |
| 36 months | 7.00 | 9.00 | 12.00 | 14.00 |
| 48 months | 8.00 | 10.00 | 13.00 | 15.00 |
| 60 months | 9.00 | 11.00 | 14.00 | 16.00 |
| 72 months | 10.00 | 12.00 | 15.00 | 17.00 |
VEHICLE LOANS (Motor Homes,Boats > $25k)
| Credit Rating | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|
| 84 Months | 7.60 | 8.80 | 11.85 | 14.90 |
| 85-120 months | 9.60 | 10.80 | 12.85 | 15.90 |
MODEL YEARS: (2019- 2024) — ADD 1.00% TO ALL ABOVE VEHICLE RATES
MODEL YEARS: (2018 & OLDER) — ADD 2.00% TO ALL ABOVE VEHICLE RATES
VEHICLE LOANS
NEW 2025 AND NEWER
LOAN RATES EFFECTIVE 01/12/2026
| Credit Rating | A APR* | B APR* | C APR* | D APR* |
|---|---|---|---|---|
| 24 months | 4.00 | 4.50 | 8.75 | 11.75 |
| 36 months | 4.50 | 5.00 | 9.25 | 12.25 |
| 48 monthS | 5.00 | 5.50 | 9.75 | 12.75 |
|
60 months 72 months 84 months |
5.50 6.00 6.50 |
6.00 6.50 7.00 |
10.25 10.75 11.25 |
13.25 13.75 14.25 |
* APR = ANNUAL PERCENTAGE RATE
EXPERIAN CREDIT SCORINIG
A = 680 AND ABOVE
B = 630 – 679
C = 600 – 629
D = 599 AND BELOW
* APR = ANNUAL PERCENTAGE RATE
EXPERIAN CREDIT SCORINIG
A = 680 AND ABOVE
B = 630 – 679
C = 600 – 629
D = 599 AND BELOW
Visa
VISA RATES EFFECTIVE 10/01/2023
| TYPE | A-APR* | B-APR* | C-APR* | D-APR* |
| VISA CLASSIC | 12.24 | 12.24 | 12.24 | 12.24 |
| VISA GOLD | 8.54 | 8.54 | N/A | N/A |
* APR = ANNUAL PERCENTAGE RATE
EXPERIAN CREDIT SCORINIG
A = 680 AND ABOVE
B = 630 – 679
C = 600 – 629
D = 599 AND BELOW
Signature
LOAN RATES EFFECTIVE 10/01/2023
| TERM | A-APR* | B-APR* | C-APR* | D-APR* |
| UP TO 12 MOS | 7.50 | 9.50 | 12.00 | 14.50 |
| 13-48 MOS | 9.50 | 11.50 | 16.50 | 18.00 |
* APR = ANNUAL PERCENTAGE RATE
EXPERIAN CREDIT SCORINIG
A = 680 AND ABOVE
B = 630 – 679
C = 600 – 629
D = 599 AND BELOW
Pledge
LOAN RATES EFFECTIVE 10/01/2023
SHARE OR CERTIFICATE PLEDGE LOAN RATES ARE 3.50% APR ABOVE THE RATE EARNED ON THE PLEDGED ACCOUNT.
Savings
SHARE RATES EFFECTIVE FOR PERIOD ENDING 09/30/23
| Savings | Rate | APY* | Term |
|---|---|---|---|
| Regular Shares (Quarterly Dividends) | 0.250 | 0.250 | n/a |
| Christmas Club (Quarterly Dividends) | 0.250 | 0.250 | n/a |
| IRA Account (Quarterly Dividends) | 0.250 | 0.250 | n/a |
| Money Market $2500-$49,999 (Monthly Dividends) | 0.800 | 0.800 | n/a |
| Money Market $50,000-$99,999 (Monthly Dividends) | 1.000 | 1.000 | n/a |
| Money Market $100,000 and Above (Monthly Dividends) | 1.200 | 1.200 | n/a |
*APY = ANNUAL PERCENTAGE YIELD
Certificates
CERTIFICATE RATES EFFECTIVE 10/01/2023
| Certificates | Rate | APY* | Term |
|---|---|---|---|
| 90-Day Jumbo Certificate (Dividends at Maturity) $50,000.00 and above | 1.200 | 1.200 | 3 |
| 6 Months Certificate (Dividends at Maturity) $5,000.00 – $24,999.99 | 0.50 | 0.50 | 6 |
| 6 Months Certificate (Dividends at Maturity) $25,000.00 to $49,999.99 | 1.200 | 1.200 | 6 |
| 6 Months Certificate (Dividends at Maturity) $50,000.00 and above | 1.300 | 1.300 | 6 |
| 12 Months Certificate (Dividends at Maturity) $5,000.00 – $24,999.99 | 1.400 | 1.400 | 12 |
| 12 Months Certificate (Dividends at Maturity) $25,000.00 – $49,999.99 | 1.500 | 1.500 | 12 |
| 12 Months Certificate (Dividends at Maturity) $50,000.00 and above | 1.600 | 1.600 | 12 |
| 18 Months Certificate (Dividends at Maturity) $5,000.00 – $24,999.99 | 1.700 | 1.700 | 18 |
| 18 Months Certificate (Dividends at Maturity) $25,000.00 – $49,999.99 | 1.800 | 1.800 | 18 |
| 18 Months Certificate (Dividends at Maturity) $50,000.00 and above | 1.900 | 1.900 | 18 |
| 24 Months Certificate (Dividends Paid Annually) $5,000.00 – $24,999.99 | 2.000 | 2.000 | 24 |
| 24 Months Certificate (Dividends Paid Annually) $25,000.00 – $49,999.99 | 2.050 | 2.050 | 24 |
| 24 Months Certificate (Dividends Paid Annually) $50,000.00 and above | 2.200 | 2.200 | 24 |
| 36 Months Certificate (Dividends Paid Annually) $5,000.00 – $24,999.99 | 2.250 | 2.250 | 36 |
| 36 Months Certificate (Dividends Paid Annually) $25,000.00 – $49,999.99 | 2.350 | 2.350 | 36 |
| 36 Months Certificate (Dividends Paid Annually) $50,000.00 and above | 2.450 | 2.450 | 36 |
| 48 Months Certificate (Dividends Paid Annually) $5,000.00 – $24,999.99 | 2.800 | 2.800 | 48 |
| 48 Months Certificate (Dividends Paid Annually) $25,000.00 – $49,999.99 | 2.900 | 2.900 | 48 |
| 48 Months Certificate (Dividends Paid Annually) $50,000.00 and above | 3.000 | 3.000 | 48 |
*APY = ANNUAL PERCENTAGE YIELD
