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Earn more—and save more—with great members-only rates.
As a member of United Trades Federal Credit Union, you can:
- Earn more on your savings.
- Save more when you borrow.
See our Certificate rates now.
Log in to online banking and select New Accounts > Open a Certificate to see our current rates instantly.
See your personalized Loan rate now.
Log in to online banking and use our Credit Score tool to preview your APR estimate for the loan you’re considering, based on you credit. No application required.
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Loans EFFECTIVE Tuesday, November 11, 2025
Loan Type APR as low as Maximum Term* Info New Vehicle 5.50% 84 months Vehicle that is 2023 or newer and with 40,000 or less miles. Used Vehicle 1 6.00% 72 months 2015-2022 or 2023+ with over 40,000 miles. Used Vehicle 2 7.74% 60 months 2014 or older or any vehicle with over 100,000 miles. New RVs 7.49% 120 months 2023 or newer model year. Used RVs 8.49% 120 months 2022 or older model year. New Boats/Watercraft 7.69% 84 months 2023 or newer model year. Used Boats/Watercraft 8.69% 84 months 2022 or older model year. Motorcycles 7.69% 84 months New and used. ATV/UTV/Utility Trailer 8.69% 84 months New and used. Personal Loan 13.00% 72 months Unlock your goals—low rates, fast approval, zero hassle! VISA Credit Card 10.75% Spend smart—low rates that keep your wallet happy! Lines of Credit 11.00% Your safety net—ready when you need it, easy when you don’t! Share Secured Loans 4.00% Borrow smart—low rates backed by your savings! CD Secured Loans 6.00% Your CD’s got your back—lock in a low-rate loan today! Credit Builder 13.30% Build credit from scratch—your loan secures itself! Home Equity Line of Credit Contact us for more information! Mortgage Loans Contact us for more information! Apply OnlineRates above are displayed as APR=Annual Percentage Rate. Subject to credit approval. Rate may vary based on individual. United Trades FCU reserves the right to discontinue or modify rate offers at any time. Other restrictions may apply.
*The maximum term is subject to loan amount and borrower qualifications. -
Share EFFECTIVE Tuesday, November 11, 2025
Account Type Dividend Rate APY Minimum Balance to earn dividend rate Minimum Opening Balance Regular Owner Shares 0.07 0.07 $100.00 $5.00 0.07 0.07 $10,001.00 0.10 0.10 $50,001.00 Holiday Club 0.05 0.05 $5.00 IRA Shares 0.05 0.05 $100.00 $100.00 0.07 0.07 $25,000.00 0.10 0.10 $50,000.00 UA Checking 0.00 0.00 $25.00 $25.00 eMoney Call for rates and details Market Checking 0.65 0.65 $2,000.00 $2,000.00 0.70 0.70 $10,000.00 1.20 1.20 $25,000.00 Federally insured by NCUA. *APY=Annual Percentage Yield. United Trades FCU reserves the right to discontinue or modify rate offers at any time. Penalties apply for early withdrawals from certificates. Other restrictions may apply.
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Certificates EFFECTIVE Tuesday, November 11, 2025
Our certificates provide a worry-free way to earn more with your money. You choose the term and amount then simply watch your money work for you.
Certificate Type Dividend Rate/APY Minimum Deposit Share Call or Login to Online Banking for Rates $1,000.00 Bump Share Call or Login to Online Banking for Rates $5,000.00 Youth Kitty Club Call or Login to Online Banking for Rates $25.00 Coverdell ESA Call or Login to Online Banking for Rates $50.00 IRA Call or Login to Online Banking for Rates $2,000.00 Learn MoreFederally insured by NCUA. *APY=Annual Percentage Yield. United Trades FCU reserves the right to discontinue or modify rate offers at any time. Penalties apply for early withdrawals from certificates. Other restrictions may apply.