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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 05/13/2013

LOAN TYPEAPRMIN LOANMAX LOANMAX TERMMAX LTVPAYMENT AMOUNT
Vehicle - New (vehicles manufactured  in current year or having less than 10,000 miles)4.99%$1,000NA60 months100%$188.66 1
Vehicle – Used 2 years old4.99%$1,000NA48 months80%*$230.24 1
Vehicle - Used 3 - 4 years old4.99%$1,000NA36 months80%*$299.65 1
Vehicle - Used 5 - 8 years old4.99%$1,000NA24 months80%*$438.66 1
Cash Reserve18.00%$500$5,000NANAVariable 2
Collateral - CD or Passbook3.25%  over current rate account is earning$500NANA6 months reserve requiredVariable 3
Personal9.50%$500$5,00036 monthsNA$160.16  4
Home Improvement9.50%$1,000$10,00060 monthsNA$210.01  4
Home Improvement Smart-E Loan 54.49%$3,000$25,00060 monthsNA$465.95 6
Home Improvement Smart-E Loan 54.99%$3,000$25,00084 monthsNA$353.22 6
Home Improvement Smart-E Loan 55.99%$3,000$25,000120 monthsNA$277.42 6
Boat – New or Used 5.99%$1,000$25,00060 months80%**$483.19  4
Boat – New or Used 5.99%$25,001$50,000120 months80%**$554.84 4
Boat – New or Used5.99%$50,001$150,000180 months80%**$1,264.97  4

Rates subject to change without notice.  Loans are subject to credit approval.

* LTV – based on N.A.D.A. average retail book value.

**LTV – based on BUC book value

1 Monthly payment based on a $10,000 loan amount at the current Annual Percentage Rate (APR) for the maximum loan term.

2 Your monthly payment based on current Savings Account interest rate of 0.05% on a $1,000 loan amount is $2.75.

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. You agree to make deposits to the Deposit Account to ensure timely payment of the minimum monthly payment by the due date shown on your statement.

4 Monthly payment based on the maximum loan amount at the current APR 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 unit owner occupied; or have approval of landlord; home must be a primary residence, home must be located in Connecticut; 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 CEFIA approval.

6 Monthly payment based on the maximum loan amount at the current APR for the maximum loan term.

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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