UFCW Local23
| o Must keep 20% of Signature loan balance in Savings. Depending on employment date, credit history, and or loan history more than 20% may be required. | |||
| o Must be a member of the Credit Union for 6 Months to be eligible to apply for a loan. No loan application will be reviewed without a current paystub and/or most recent tax return. | |||
| o Must keep 1 month's payment in Savings for Car and or Home Equity loans. | |||
| o Member may purchase Disability Insurance for the loan at a minimal cost. | |||
| Current Loan Rates | |||
|---|---|---|---|
| Secured By: | Max Limit: | Max Term: | Interest Rate: |
| Home Equity | $75,000.00 | 20 years | 4.9% |
| Home Equity | $75,000.00 | 15 years | 4.4% |
| Home Equity | $75,000.00 | 10 years | 3.9% (10% equity) |
| Home Equity | $75,000.00 | 10 years | 2.9% (30% equity) |
| Home Equity | $75,000.00 | 10 years | 1.9% (50% equity) |
| Auto Loans: | |||
| New Auto 2024-2023 | $45,000.00 | 6 years | 3.9% |
| Used Auto 2023-2020 | $45,000.00 | 5 years | 4.9% |
| Used Auto 2020-2019 | $45,000.00 | 4 years | 6.9% |
| Used Auto 2018- 2017 | $45,000.00 | 4 years | 9.0% |
| Used Auto 2016 | $45,000.00 | 3 years | 15.0% |
| RV / Travel Trailer | $75,000.00 | 15 years | 5.9% |
| RV / Travel Trailer | $75,000.00 | 10 years | 4.9% |
| RV / Travel Trailer | $75,000.00 | 5 years | 3.9% |
| Unsecured Loans | $3,500.00 | 3 years | 15.0% |
| Loan Committee meets every Wednesday at 1:00 PM. To have loans reviewed for that day ALL required information listed above MUST be received by 11:00 AM Wednesday. Meeting days may change due to Holidays. Rates Effective 11/17/2021 for new loans. | |||
UFCW Local23
Your accounts at UFCW Local 23 FCU are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency
We do business in accordance with the federal fair housing law. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling: or
Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such loan, or in appraising property.
Anyone who feels he or she has been discriminated against can file a complaint of housing discrimination:
U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington D.C. 20410
Routing Number ........243083936