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Consumer Loan Rates

Rates are subject to change at any time without notice. To ensure you are viewing the most current rates, click the "Refresh" button on your browser.

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Rates Effective 05/1/2014

LOAN TYPE APR MIN LOAN

MAX LOAN

MAX TERM MAX LTV PAYMENT AMOUNT
Vehicle - New (vehicles manufactured  in current year or having less than 10,000 miles) 4.99% $1,000 NA 60 months 100% $188.66 1
Vehicle – Used 2 years old or less 4.99% $1,000 NA 48 months 80%* $230.24 1
Vehicle - Used 3 - 4 years old 4.99% $1,000 NA 36 months 80%* $299.65 1
Vehicle - Used 5 - 8 years old 4.99% $1,000 NA 24 months 80%* $438.66 1
Collateral - CD or Passbook 3.25% over current rate account is earning $500 N/A N/A 6 months reserve required Variable 2
Overdraft Protection - Sweep 18.00% $500 $5,000 N/A N/A Variable 3
Overdraft Protection 18.00% $500 $5,000 N/A N/A Variable 3
Personal 9.50% $500 $5,000 36 months NA $160.164
Home Improvement 9.50% $1,000 $10,000 60 months NA $210.01 4
Home Improvement Smart-E Loan 5 4.49% $3,000 $25,000 60 months NA $465.95 4
Home Improvement Smart-E Loan 5 4.99% $3,000 $25,000 84 months NA $353.22 4
Home Improvement Smart-E Loan 5 5.99% $3,000 $25,000 120 months NA $277.42 4

Boat – New or Used 

Loans up to $25,000

5.99% $1,000 $25,000 60 months 80%** $483.19 4

Boat – New or Used 

Loans from $25,001 to $50,000

5.99% $25,001 $50,000 120 months 80%** $554.84 4

Boat – New or Used

Loans up to $50,001 to $150,000

5.99% $50,001 $150,000 180 months 80%** $1,264.97 4

1 Monthly payment based on a $10,000 loan at the current interest rate for the max loan term.

2 Your monthly payment based on current Savings Account interest rate of 0.03% on a $1,000 loan is $2.73. Required monthly payments are interest only.

3 Your minimum monthly payment will be equal to the greater of 1/10th of your unpaid principal balance as of the last day of the Billing Cycle or $20.00, plus all accrued and unpaid Finance Charges as of the last day of the Billing Cycle. If your principal balance as of that date is less than $20.00, you must pay the entire principal balance plus unpaid Finance Charges.

4 Monthly payment based on the maximum loan amount at the current interest rate for the maximum loan term.

5Home Improvement Smart-E loans are offered through our partnership with Energize Connecticut. For information, call 877-WISE-USE (877-947-3873) or visit energizeCT.com/smarte. Eligible participants: your home must be: 1-4 units owner occupied ; or have approval of landlord; home must be a primary residence, home must be located in CT; condominiums are eligible only if they are individually metered. Limited time offer. Smart-E loan program is subject to Union Savings Bank credit approval. All Smart-E  loan projects are subject to Connecticut Energy Finance and Investment Authority (CEFIA) approval.

* LTV – based on N.A.D.A. average retail value or similar industry valuation guide.

** LTV – based on BUC book value.

Ready to Crunch Some Numbers?
Use our loan calculator >

Have Questions?
Call 203.730.5039 or 866.872.1866 to speak with a Union Savings Bank lending professional.



Ready to Crunch Some Numbers?
Use our loan calculator >

Have Questions?
Call 203.730.5039 or 866.872.1866 to speak with a Union Savings Bank lending professional.


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