LOAN RATES
Personal
SIGNATURE (UNSECURED)
All loans are subject to credit approval and rates are subject to change at anytime without notice.
We are a “Risk Based Lender”. Your loan rate will be assigned to you based on your credit rating (beacon score).
(A payment example: $1,000.00 @ 12% APR for 12 Months = $88.63 / month)
APR* = Annual Percentage Rate
| Credit Rating | A+ | A | B | C | D | E |
|---|---|---|---|---|---|---|
| 1-48 months APR* | 7.00% | 7.50% | 8.00% | 10.00% | 12.50% | 17.00% |
Qualified members may borrow up to $10,000.00 / Minimum Loan Amount = $1,000.00
SHARE SECURED
Rate = 3.00 % + highest dividend rate
Vehicles
VEHICLES
Car Shopping? View the Union built vehicle list!
We have partnered with Kerry Automotive to get you the BEST deal on your new or used vehicle purchase!
Contact: Andy Hendrixson @ 513.587.1612 and tell them you’re a 392 Credit Union Member!
Check out Kerry Automotive’s website for a dealer near you!
We must advise that when selecting a link above YOU WILL BE LEAVING THE CREDIT UNION’S WEBSITE and linking to a website NOT operated by the Credit Union. The Credit Union is NOT responsible for the content of the alternate website, liable for any failure of products or services advertised on those sites, does NOT endorse or guarantee the products, information or recommendations provided by the linked sites, and does NOT represent the third party or the member if the two should enter into a transaction. Please note that the privacy and security policies may differ from those practiced by the Credit Union; therefore, the third party website may provide less security than the Credit Union’s website.
(A payment example for ALL closed-end loans: $1,000.00 @ 12% APR for 12 Months = $88.63 / month)
APR* = Annual Percentage Rate
NEW VEHICLES (CAR, TRUCK or VAN)
| Credit Rating | A+ | A | B | C | D | E |
|---|---|---|---|---|---|---|
| 1-60Months APR* | 3.50% | 4.00% | 4.50% | 6.50% | 9.00% | 13.50% |
| 61-84 Months APR* | 3.75% | 4.25% | 4.75% | 6.75% | 9.25% | 13.75% |
USED VEHICLES (CAR, TRUCK or VAN)
| Credit Rating | A+ | A | B | C | D | E |
|---|---|---|---|---|---|---|
| 1-72Months APR* | 4.00% | 4.50% | 5.00% | 8.00% | 9.50% | 14.00% |
Recreational Vehicles
RECREATIONAL VEHICLES (BOAT, CYCLE**, CAMPER, ATV**, ETC…)
| Credit Rating | A+ | A | B | C | D | E |
|---|---|---|---|---|---|---|
| 1-36 Months APR* | 5.50% | 6.00% | 6.50% | 8.50% | 11.00% | 15.50% |
| 37-60 Months APR* | 5.75% | 6.25% | 6.75% | 8.75% | 11.25 % | 15.75 % |
| 61-84 Months APR* | 6.00% | 6.50 % | 7.00 % | 9.00% | 11.50 % | 16.00 % |
| 85-120 Months APR* | 6.25 % | 6.75 % | 7.25 % | 9.25 % | 11.75 % | N/A |
**Maximum term for ATVs or Jet Skis = 36 months**
**Maximum term for Motorcycles is NEW = 72 and USED = 60 months**
USED RECREATIONAL VEHICLES: Add 0.50 % to the rates listed above / Maximum term = 96 mos.
Mobile Homes
MOBILE HOMES
| Credit Rating | A+ | A | B | C | D | E |
|---|---|---|---|---|---|---|
| APR* | 7.25% | 7.75% | 8.25% | 10.25% | 12.75% | 17.25% |
First Mortgages
FIRST MORTGAGES
Find the home loan that’s right for you. Competitive mortgage financing options.
Contact Christine D Elliott, NMLS ID 438537 – 513.826.3534 or christine_d_elliott@keybank.com
DIVIDEND RATES
The following APY’s (Annual Percentage Yields) for all accounts are accurate through today’s date.
Please note: ** Dividends are calculated on an average daily balance, are subject to change daily and are not guaranteed. Fees could reduce earnings on your account(s). *APY = Annual Percentage Yield.
Share Draft (Checking)
SHARE DRAFT (CHECKING) DIVIDEND RATES
| Balance** | Dividend Rate | APY* |
|---|---|---|
| $200 and Up | 0.25 % | 0.25 % |
Share (Savings)
SHARE (SAVINGS) DIVIDEND RATES
| Balance** | Dividend Rate | APY* |
|---|---|---|
| $500 to $9,999 | 0.20 % | 0.20 % |
| $10,000 to $49,999 | 0.25 % | 0.25 % |
| $50,000 and Up | 0.35 % | 0.35 % |
Share Certificate
SHARE CERTIFICATE DIVIDEND RATES
| Balance** | Dividend Rate | APY* |
|---|---|---|
| 12 Months | 0.70 % | 0.701 % |
| 24 Months | 0.90 % | 0.902 % |
| 36 Months | 1.10 % | 1.104 % |
| 48 Months | 1.30 % | 1.306 % |
| 60 Months | 1.60 % | 1.609 % |
