Rates

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

SIGNATURE (UNSECURED)
Credit Rating A+ A B C D E
1-48 months APR* 6.75% 7.25% 7.75% 9.75% 12.25% 16.75%

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!

Kerry Automotive

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)

NEW VEHICLES (CAR, TRUCK or VAN): 2014 – 2017 6,000 Miles or Less
Credit Rating A+ A B C D E
1-60Months APR* 3.00% 3.50% 4.00% 6.00% 8.50% 13.00%
61-84 Months APR* 3.25% 3.75% 4.25% 6.25% 8.75% 13.25%

USED VEHICLES (CAR, TRUCK or VAN)

USED VEHICLES (CAR, TRUCK or VAN): 2010 – 2016 6,001 Miles or More
Credit Rating A+ A B C D E
1-72Months APR* 3.50% 4.00% 4.50% 7.50% 9.00% 13.50%

Recreational Vehicles

RECREATIONAL VEHICLES (BOAT, CYCLE**, CAMPER, ATV**, ETC…)

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

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 Kim Masters, NMLS ID 9471 – 513.519.5242

 

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

Share Draft (Checking) Dividend Rates
Balance** Dividend Rate APY*
$200 and Up 0.25 % 0.25 %

Share (Savings)

SHARE (SAVINGS) DIVIDEND RATES

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

SHARE CERTIFICATE DIVIDEND RATES
Balance** Dividend Rate APY*
12 Months 0.60 % 0.601%
24 Months 0.80% 0.802 %
36 Months 1.00 % 1.004%
48 Months 1.20% 1.205 %
60 Months 1.50 % 1.508%