Lending Rates

  
    Account Type
    Daily Periodic Rate (Open-End Plans)**
    APR*
  

  
    New & Program Auto
    -
    As Low As 3.990%*
  

    Refinanced Autos
    -
    As Low As 3.990%*
  

    Used Autos
    -
    As Low As 3.990%*
  

    Signature
    -
    As Low As 8.99%
  

    Tuition
    0.0250%
    7.50%
  

    Savings (Share) Secured
    -
    3.990%
  

    Salary Advance
    0.0493%
    18.000%
  

    New & Used Boats/RVs
    -
    As Low As 6.99%
  

    Home Equity
    0.0239%
    As Low As 9.00%***
  

    Visa Classic
    -
    17.99%
  

    Visa Platinum
    -
    0.00% Introductory Rate****
  

    Line of Credit
    0.0342%
    12.500%
  

*APR; Annual Percentage Rate. Rates and terms based on credit criteria and may change based on LTV, term, credit and relationship with UNOFCU. Assuming a $20,000 loan amount, a 5-year term, and an 3.99%APR, you would make 60 monthly payments of approximately $368.23.
**Late Charge on Open End Plans: If you are more than 20 days late in making a minimum payment, you will pay a late charge equal to 20% of the interest due on the date of the payment.
***Some restrictions apply. $100.00 application fee is required (non-refundable). No transaction or activity fees will be imposed. Appraisal fee of as low as $400.00. Closing Costs of up to $555.00 may apply on properties located in Orleans Parish only. Annual Percentage Rate may vary, but will not exceed 18.00% APR. Daily Periodic Rate is 0.02465753%. Loan amount is based on equity in home, as well as creditworthiness and income of borrower(s). Advertised rate is effective January 1, 2024 and subject to change on January 1 and July 1 of each calendar year. Please contact our office for additional information.
****VISA Platinum Intro APR. After 12 months, APR increases to 9.50%. Subject to approval and creditworthiness. Other restrictions may apply. Please contact our office for additional information.