Rates

Dividend Rates
Type
Essential/Preferred APR
Essential/Preferred APY
Prime APR
Prime APY
Term
SHARE SAVINGS ($100 +) 0.05% 0.05% 0.30 APR 0.30 APY 4th Qtr 2017
MONEY MARKET SAVINGS 0.15% 0.15% 0.40% 0.40% Dec. 2017
CHECKING PLUS 0.05% 0.05% 0.30% 0.30% Dec. 2017
SHARE CERTIFICATES ($2,500 Minimum) Effective 12/31/2017. 0.30% 0.30% N/A N/A 6 month
SHARE CERTIFICATES ($2,500 Minimum) 0.40% 0.40% N/A N/A 12 month
SHARE CERTIFICATES ($2,500 Minimum) 0.60% 0.60% N/A N/A 24 month
SHARE CERTIFICATES ($2,500 Minimum) 0.65% 0.65% N/A N/A 36 month
SHARE CERTIFICATES ($2,500 Minimum) 0.90% 0.90% N/A N/A 48 month
SHARE CERTIFICATES ($2,500 Minimum) 1.10% 1.10% N/A N/A 60 month
INDIVIDUAL RETIREMENT ACCOUNT - IRA Shares

IRA Certificate rates same as Share Certificate rates

0.15% 0.15% 0.40% 0.40% 4th Qtr 2017
CHRISTMAS CLUB ACCOUNT 0.01% 0.01% 0.26% 0.26% October 2017

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 for a current rate quote.


Loan Rates / Effective 02/01/2018
Type
Rate
Term
SHARE SECURED 3.9% 24 months
MONEY MARKET SECURED 3.9% 12 months
CERTIFICATE SECURED Cert rate +350 bp 60 months

Final or Balloon payment before or on certificate maturity date

STOCK SECURED *

Up to 90% of current market value. Final or balloon payment before or on certificate maturity date

4.9% -9.9% 48 months
PERSONAL SIGNATURE (unsecured) *

Up to 90% of current market value. Final or balloon payment before or on certificate maturity date

9.9% -17.9% up to60 months
AUTO, BOAT, RV ** 1st payment deferred 90 days **
AUTO, BOAT, & RV* 2.75% -17.9% 24 months or less
AUTO, BOAT, & RV* 4.0% -17.9% 25–36 months
AUTO, BOAT, & RV* 4.25% -17.9% 37-48 months
AUTO, BOAT, & RV* 4.45% -17.9% 49-60 months
AUTO, BOAT, & RV* 4.99% -17.9% 61-72 months
AUTO, BOAT, & RV* 5.35% -17.9% 73-84 months
Terms per model year 2010 42 months
Terms per model year 2011 42 months
Terms per model year 2012 48 months
Terms per model year 2013 54 months
Terms per model year 2014 60 months
Terms per model year 2015 66 months
Terms per model year 2016 72 months
Terms per model year 2017 78 months
Terms per model year 2017/2018 84 months

New: Up to 125% of Dealer Invoice, 2018, 2017, 2016 up to 5000 miles
Used: Up to 125% of NADA Trade-in Value / Low Retail. Comprehensive & Collision insurance maximum deductible of $1,000


MOTORCYCLES, ATVS, & PERSONAL WATERCRAFT*
Type
Rate
Term
Less than $2,500 5.4% -13.4% 36 months
$2,500 + 5.49% -14.4% Fall Special Rate up tp 72 months

New: up to 125% of 90% of Suggested List Price
Used: up to 125% of NADA Low Retail Comprehensive & Collision insurance maximum deductible of $500


NOTE: LTV CALCULATED PRIOR TO CREDIT UNION ONLY BACK END PRODUCTS; LTV AFTER BACK END PRODUCTS SHOULD NOT EXCEED 130% FOR A & B PAPER ONLY.

NOTE: $12,000 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