US Federal Credit Union
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Rates

We've got some of the best rates around. Take a look and see for yourself.

DEPOSITS


SAVINGS ACCOUNTS
Declared for quarter ending September 30, 2014 
SPECIALTY SAVINGS ACCOUNTS
Prospective for December 2014
MONEY MARKET ACCOUNTS
Prospective for December 2014
SAVINGS CERTIFICATES
Effective November 19, 2014 (rates subject to change)
MAX: one-time rate adjustment available during term

42 month and 5 year certificate specials are limited to new money (funds from outside of USFCU) only.

IRA CERTIFICATES
Effective November 19, 2014 (rates subject to change)

5 year IRA certificate specials are limited to new money (funds from outside of USFCU) only.

PERSONAL CHECKING
Prospective for December 2014

Fee Schedule

To receive Amplified Tier I/Tier II rate you must meet the following requirements per statement cycle: 10 debit card purchase transactions, one direct deposit, and must be enrolled in eStatements with valid e-mail address. 10 Debit Card purchases must be completed within statement cycle. Purchases posted on the last day of each month count toward next month's total. If the minimum requirements are not met in a statement cycle then the basic rate will apply to all balances. One account per individual. See Membership Agreements & Account Disclosures for full details.

 

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

LOANS


Home Loans from US Federal are only available for property in Minnesota, Georgia, Wisconsin, Tennessee, Florida, Mississippi and Arizona. Payment examples are available by utilizing this payment calculator.

MORTGAGE
View daily rates, apply online or call 1 800 842-3302 for more information.

For fixed and variable-rate first mortgage loan rates, call (952) 736-5000 or 1 800 682-2951.
FIXED RATE HOME EQUITY
APR as low as based on LTV
Click here to calculate your payment.
HOME EQUITY LINE OF CREDIT (HELOC)
APR as low as based on LTV
Click here to calculate your payment.
HOME IMPROVEMENT
APR as low as 
Click here to calculate your payment.
CARS, TRUCKS, SUVs, VANS & STREET-LEGAL MOTORCYCLES
NO PAYMENTS FOR 90 DAYS!
APR as low as based on model year
 
Click here to calculate your payment.
RECREATION VEHICLES
APR as low as based on model year
Click here to calculate your payment.
AIRCRAFT
rate based on term; excludes tax, fees, & license
Click here to calculate your payment.
VISA CREDIT CARDS
no annual fees; for detailed information, view Visa Agreement
PERSONAL (SECURED)
APR as low as
Click here to calculate your payment.
PERSONAL (UNSECURED)
APR as low as
Click here to calculate your payment.

 

*APR = Annual Percentage Rate. Rates include a .5% APR discount for repayment of loan through payroll deduction or debit from a US Federal account. Add .25% APR to rates if payment is a debit from another financial institution. All loans subject to normal credit approval. Rates and terms subject to change. Contact a US Federal loan officer for details. All loan rates presented for consumer loans only and not applicable to business loans. Vehicle, Boat & RV Loans: Rates may be higher depending on credit qualifiers, model year and the loan term. Credit qualifiers determine eligibility for 100% financing, in some cases a down payment may be required. Interest will accrue during first 60 days without payment. Fixed Rate Home Equity Loans: Rates may be higher depending on credit qualifiers, loan term and loan to value (LTV). Consult your tax advisor about the tax deductibility of interest paid on a home equity loan. Home Improvement Loan: maximum loan amount of $10,000 with a minimum of 75% used for home improvement purposes only.

**Home Equity Line of Credit: The 4.50% Annual Percentage Rate (APR) is available with qualifying credit and a loan to value (LTV) of 80% or less. Higher rates apply to higher loan to values. The APR will vary based on an index. The index is the Prime Rate as published the 25th day of the month prior to the date of the interest adjustment in the Money Rates column of the Wall Street Journal. As of January 1, 2010 the variable APR for lines of credit is 4.50% - 7.00%. The rate is subject to change, but will not exceed 18%. The minimum rate is 4.50%. Closing costs typically range from $0 to $250. In most cases, members pay little or no closing costs. There is an over-the-limit charge of $10. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. For detailed product information, please view the HELOC4 Early Disclosure.

BUSINESS


We offer a variety of Savings Accounts for our business members, from specialty to certificates. We'd love to talk with you to see how we can best help you and your business' savings needs.

Call (952) 736-5202 or 1 866 916-4314 or email us to get in touch.

BUSINESS CHECKING
Prospective for December 2014

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

We know you've got bright ideas. But each business is unique.

If you're interested in business loans with US Federal, we'd love to talk with you to see how we can best help you and your business.

Call (952) 736-5202 or 1 866 916-4314 or email us to get in touch.

 

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next steps

Open Account

  • give us a call:
    (952) 736-5000 or 1 800 345-2733
     
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US FEDERAL CREDIT UNION | 1400 Riverwood Drive, Burnsville MN 55337 | 1 800-345-2733 | (952) 736-5000 | All Content © 2012 | privacy & disclosures
Federally Insured by NCUA EHL