Financial Tools

Rates & Fees

TOPICS

No More Nickel-and-Diming

At UFCU, we believe your money should work for you. Our competitive rates and low fees allow you to make the most of every dollar.*

Checking Rates

Account Type Balance Rate APY
Free Any 0.000% 0.00%
Plus $1,000 and more 0.010% 0.01%
Premium $2,500 and more 0.050% 0.05%

Effective Date: October 1, 2012

Account Type Balance Rate APY
Teen $500 and more 0.000% 0.00%
Teen Less than $500 3.105% 3.15%

Effective Date: October 1, 2018



Savings Rates

Account Type Balance Rate APY
Savings $2,500 and more 0.050% 0.05%
Savings $100 - $2,499 0.250% 0.25%
Teen & Kidz $5 and more 0.250% 0.25%

Effective Date: July 1, 2012



Money Market Rates

Account Type Balance Rate APY
Money Market Any 0.050% 0.05%
Money Market w/Member Rewards $250,000 and more 0.050% 0.05%
Money Market w/Member Rewards Less than $250,000 0.250% 0.25%

Effective Date: October 1, 2012



IRA & Certificate Rates

Fixed-Rate Certificates of Deposit

Regular
$1,000–$99,999
Jumbo
$100,000 & More
Term Rate APY Rate APY
3 Month 0.100% 0.10% 0.349% 0.35%
6 Month 0.250% 0.25% 0.499% 0.50%
12 Month 2.129% 2.15% 2.374% 2.40%
24 Month Step-Up 2.374% 2.40% 2.618% 2.65%
24 Month 2.521% 2.55% 2.765% 2.80%
36 Month 2.618% 2.65% 2.862% 2.90%
48 Month 2.716% 2.75% 2.960% 3.00%
60 Month 2.960% 3.00% 3.203% 3.25%

Effective Date: September 14, 2018



Fixed-Rate IRA

Regular
$1,000–$99,999
Jumbo
$100,000 & More
Term Rate APY Rate APY
3 Month 0.100% 0.10% 0.349% 0.35%
6 Month 0.250% 0.25% 0.499% 0.50%
12 Month 2.129% 2.15% 2.374% 2.40%
24 Month Step-Up 2.374% 2.40% 2.618% 2.65%
24 Month 2.521% 2.55% 2.765% 2.80%
36 Month 2.618% 2.65% 2.862% 2.90%
48 Month 2.716% 2.75% 2.960% 3.00%
60 Month 2.960% 3.00% 3.203% 3.25%

Effective Date: September 14, 2018



Variable-Rate Early Saver Certificate

Term Rate APY
12 Month–up to $20,000 3.105% 3.15%
12 Month–over $20,000 0.250% 0.25%

Effective Date: October 1, 2018



Variable-Rate IRA

Term Rate APY
Variable 0.250% 0.25%

Effective Date: October 1, 2012



Credit Card Rates

Great Rate VISA®

Your Credit Excellent Good Average Fair Marginal Poor /
No Score
Annual Percentage Rate (APR) 8.49% 11.49% 13.49% 17.49% 17.90% 17.90%

 



Travel Rewards VISA®

Your Credit Excellent Good Average Fair Marginal Poor /
No Score
Annual Percentage Rate (APR) 13.90% 14.90% 15.90% 16.90% 17.90% 17.90%


Cash Back VISA®

Your Credit Excellent Good Average Fair Marginal Poor /
No Score
Annual Percentage Rate (APR) 13.90% 14.90% 15.90% 16.90% 17.90% 17.90%


Auto & Personal Loan Rates

Auto and Auto Second Chance Loan Rates

Annual Percentage Rate (APR) based on your credit
Term
(Months)
Excellent Good Average Fair Marginal Poor /
No Score
1 to 48 2.80% 3.10% 3.40% 6.80% 11.85% 14.65%
49 to 66 3.10% 3.55% 3.90% 7.25% 12.30% 15.10%
67 plus* 4.90% 5.35% 5.70% 9.20% 14.25% 17.05%

*Loan-to-value ratio less than 100% = 1.5% rate reduction

Rate discounts do not apply to current UFCU loans.

Term restrictions may apply.


 

Monthly Payment Per $1,000 Borrowed

$43.03 (24 mo) $29.13 (36 mo)
$22.18 (48 mo) $18.22 (60 mo)
$16.27 (72 mo)

(Assuming good credit)



Other Secured (including Boat, RV, Motorcycle)

Term
(Months)
Annual Percentage Rate (APR) based on your credit
Excellent Good Average Fair Marginal Poor /
No Score
1 to 36 4.15% 4.55% 5.55% 8.80% 13.85% 16.65%
37 to 75 4.35% 5.00% 6.00% 9.25% 14.30% 17.10%
76 plus 6.75% 6.95% 7.95% 11.20% 16.25% 17.90%

Rate discounts do not apply to current UFCU loans.

Term restrictions may apply.



Share Secured Loan

3% over the stated dividend rate of the instrument securing the loan.



Signature Loan

Term
(Months)
Annual Percentage Rate (APR) based on your credit
Excellent Good Average Fair Marginal Poor /
No Score
Up to 60 11.90% 13.90% 15.90% 16.90% 17.90% 17.90%

Monthly payment per $1,000 borrowed: $22.70.

Minimum loan amounts may apply.



Personal Line-of-Credit

Annual Percentage Rate (APR) based on your credit
Excellent Good Average Fair Marginal Poor /
No Score
11.90% 13.90% 15.90% 16.90% 17.90% 17.90%


Certificate Secured Loan

3% over the stated dividend rate of the instrument securing the loan.



UT Golf Club Membership Loans

4% over the current stated secured loan rate based on term and score.



Mortgage Rates

Visit the Mortgage Center for our most current mortgage rates.

View rates



Fee Schedule

Account Fees
Membership Fee
(one time)
$1.00
Plus Checking
(if combined month-end balances fall below $2,500)
$10.00 (per month)
Premium Checking
(if average daily balance falls below $10,000)
$15.00 (per month)
Debit Card/ATM Fees
ATM Transaction (non-UFCU/non-Austin or Galveston Alliance ATMs) $1.00
Debit Card/ATM Account Overdraft Transfer (savings, checking, money market, and line-of-credit) $3.00
Debit Card/ATM Courtesy Pay Item $40.00
ABILITY™ Card $5.00 (per month)
Debit Card/ATM Courtesy Pay Item with Account Overdraft Transfer $40.00 + $3.00 per transfer
Replacement Card $5.00
Sales Draft Copy $25.00
International Service Fee 1% of transaction amount
UFCU Deposit Card $2.00 (per card)
Personal Credit Card Fees
Late Fee $25.00 (not to exceed minimum payment)
Payment Returned NSF $20.00
Statement Copy $2.00 (per statement)
Stop Payment $20.00
International Service Fee 1% of transaction amount
Card Express Fee $15.00
Cash Advance Fee 1% of advance amount; $5 minimum
Travel Rewards Annual Fee $39.00
Loan Fees
Consumer Loan Late Fee 25% of interest due ($5 min)
Mortgage Loan Late Fee 5% of principal & interest due
Skip A Pay $25.00
Safe Deposit Box Fees
Drilling $175.00
Emergency Drilling Call for Quote
Emergency Drill No Show $85.00
Lost Key $10.00 (per key)
3 x 5 x 22 $15.00 (per year)
3 x 10 x 22 $30.00 (per year)
5 x 5 x 22 $25.00 (per year)
5 x 10 x 22 $50.00 (per year)
10 x 10 x 22 $75.00 (per year)
15 x 10 x 22 $115.00 (per year)
15 x 15 x 22 $165.00 (per year)
31.5 x 15 x 22 $350.00 (per year)
Miscellaneous Fees
Account Closing
(savings within 90 days of open date)
$5.00
Account Overdraft Transfer
(savings, money market, checking, and line-of-credit)
$3.00
Account Research/Reconciliation $15.00 (per hour, 1 hr min)
Bad Address $5.00 (per quarter)
Cashier’s Check $2.00
Cashier's Check (non-member) $5.00
Charge Back Item $30.00
Check Collection $10.00
Check Copy $2.00
Collection - Outgoing Item $10.00
Courtesy Pay Item $40.00
Courtesy Pay Item with Account Overdraft Transfer $40.00 + $3.00 per transfer
Deposited Item Returned $5.00
Escheat $10.00
Fax - Domestic Outgoing $2.00 (per page)
Fax - International Outgoing $5.00 (per page)
History Printout $2.00 (per month)
Inactive Account $5.00 (per month)
International Draft $20.00
International Stop Payment/Collection $30.00
Legal Process
(i.e. IRS levies, garnishments, etc.)
$50.00 (min or actual cost)
Loose Coin Exchange (excluding Kidz & Teen Accounts) 5% (over $100)
Lock Bag $15.00
Money Market excessive withdrawals First 6 are free (per month, $25.00 for each additional withdrawal)
Money Order $1.00
Payment Convenience $10.00
Returned Item $30.00
Rolled Coin $.10 (per roll)
Shared Branch Return $15.00
Statement Copy $4.00 (per statement)
Stop Payment $30.00
Strapped Currency $.35 (per strap)
Temporary Checks $.50 (each)
Verification of Deposit $5.00
Wire - Outgoing Domestic $12.00
Wire - Incoming Domestic/International $3.00
Zipper Bag $3.00
Free Services
ATM PIN Replacement
ATM Point of Sale Transaction
ATM transactions at UFCU Owned machines and Austin and Galveston Alliance ATMs
Bill Pay
Online Banking
Letter of Guarantee
Loan Amortization Schedule
Loan Application
Notary Public Service
Phone Banking
Signature Guarantee
US Savings Bond EE/E Redemption
Debit Card Instant Issue
Debit Card PIN Replacement
Debit Card Point of Sale Transaction

Fees subject to change

Fees could reduce earnings on account.

APY = Annual Percent Yield

APR = Annual Percentage Rate

* UFCU complies with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Deposits at UFCU are federally insured by the National Credit Union Administration. Please be aware that rates are subject to change without notice. Dividends are based on UFCU's earnings and cannot be guaranteed. We may impose a penalty for early withdrawal of certificate of deposits.

** Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. UFCU has contracted with CFS to make non-deposit investment products and services available to credit union members.

Available at our Mueller location.