Check out our breakdown of low rates below and get started today!
All Rates Effective – September 26, 2024
| New and Used Vehicles Model years 2025-2024-2023-2022 | Standard Rate APR | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| Up to 48 months | 5.89% | $23.43 |
| 49 to 60 months | 6.09% | $19.37 |
| 61 to 72 months | 6.29% | $16.71 |
| 73 to 84 months | 6.49% | $14.84 |
| Used Vehicles 2021 - 2020 Models (Loan Amounts of $30,000 or Greater) | Standard Rate APR | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| Up to 48 Months | 6.59% APR | $23.76 |
| 49 to 60 Months | 6.79% APR | $19.70 |
| 61 to 72 Months | 6.99% APR | $17.04 |
| 73 to 84 Months | 7.19% APR | $15.19 |
| Used Vehicles 2021 - 2020 Models (Loan Amounts Less Than $30,000) | Standard Rate APR | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| Up to 48 months | 7.05% | $23.97 |
| 49 to 60 months | 7.25% | $19.92 |
| 61 to 72 months | 7.45% | $17.27 |
| Used Vehicles 2019-2015 | Standard Rate APR | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 1 to 48 months | 9.14% | $24.95 |
| 49 to 60 months | 9.34% | $20.92 |
| Used Vehicles 2014-2010 | APR | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| 1 to 48 months | 11.14% | $25.91 |
| 49 to 60 months | 11.34% | $21.91 |
| Quads & Dirt Bikes | Standard Rate APR | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| New: 1 to 60 months | 9.34% | $20.92 |
| Used: 1 to 48 months | 10.34% | $25.53 |
| Boats & Motor Homes, Travel Trailers | Standard Rate APR | Monthly Payment Per $1,000 Borrowed |
|---|---|---|
| New up to 96 months | 9.47% | $14.90 |
| Used up to 60 months | 10.47% | $21.48 |
| Used 61 to 72 months | 10.97% | $19.02 |
Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines.
**USX FCU loan amount must be $30,000.00 or greater to be eligible for 73 – 84 month financing. Credit Tiers 1 – 4 only.
LOAN VALUES
New Vehicle LOAN VALUE is MSRP
Used & Older Vehicle LOAN VALUE is the retail value listed in the most recent NADA Used Vehicle Guide.
Quad, Dirt Bikes, Boats, Motor Homes & Travel – Average Retail
| Annual Percentage Rate on Purchases And Cash Advances | Rate Information & No Interest Period | Discount (1) Rate APR |
|---|---|---|
| VISA PLATINUM 9.90% to 15.90% Fixed APR for 24 months after card issued | No Variable Rate 23 Day No Interest Period No Balance Transfer Fee No Cash Advance Fee | Annual Fee: None Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles. Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles. Merchant Draft Copy: $10.00 Card Replacement: $10.00 International Transaction Fee: With currency conversion 1%, without 0.8% |
| VISA BLUE 17.90% | No Variable Rate 23 Day No Interest Period No Balance Transfer Fee No Cash Advance Fee | Annual Fee: $50.00 Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles. Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles. Merchant Draft Copy: $10.00 Card Replacement: $10.00 International Transaction Fee: With currency conversion 1%, without 0.8% |
Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines.
How to avoid paying interest on purchases: Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Finance charge on cash advances and balance transfers will begin on the transaction date.
To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Finance Protection Bureau.
| Share Type | APY |
|---|---|
| Regular Shares | 0.05% |
| Holiday and Club Savings | 0.05% |
| Youth Savings | 1.00% (on first $500) |
| Members Plus Checking | 0.05% |
| IRA, Roth IRA and Coverdell Education Shares | 0.05% |
| IMMA Shares | APY |
|---|---|
| Level 1 Balances under $9,999.99 | 0.50% |
| Level 2 Balances $10,000 to $24,999.99 | 0.60% |
| Level 3 Balances $25,000 to $49,999.99 | 0.85% |
| Level 4 Balances $50,000 to $99,999.99 | 1.0% |
| Level 5 Balances $100,000 and over | 1.10% |
| Certificate Type | Minimum Balance $500 APY | Minimum Balance $10,000 APY | Minimum Balance $25,000 APY |
|---|---|---|---|
| 6 Month (Share Savings Certificate Only) | 4.00% | 4.00% | 4.00% |
| 12 Month | 2.20% | 2.25% | 2.35% |
| 24 Month | 2.35% | 2.40% | 2.50% |
| 36 Month | 2.45% | 2.50% | 2.60% |
| 48 Month | 2.45% | 2.50% | 2.60% |
| 60 Month | 2.55% | 2.60% | 2.70% |
Rates are subject to change or withdrawal without notice. Annual Percentage Yields (APYs) are accurate as of the date shown above.
Regular shares: require a minimum deposit of $25. Dividends begin to accrue on all accounts indicated above on both cash and non-cash items (e.g., checks) from the date of deposit. Fees could reduce earnings. Share accounts closed before accrued dividends are credited to it will not be paid accrued dividends.
Members Plus Checking: requires a $100 Deposit minimum at opening and a monthly average daily balance of $1,000 to avoid a $10 monthly account fee. Fees could reduce earnings.
Special Youth Savings: 1.00% APY applies to balances up to $500.00 only and balance over $500.00 will earn the Regular Share Savings rate. The Credit Union Board of Directors will review and adjust the Dividend rate monthly. For current Dividend Rate please refer to the published Dividend rates. Membership eligibility and $25 minimum balance required to maintain a Regular Share savings account. Rate applies only to Dollar Dog, Cha-Ching, and the edge youth savings accounts.
Insured Money Management Accounts: require an initial deposit of $10,000. Dividends are calculated from the Date of Deposit to the Date of Withdrawal and are compounded and credited monthly. Fees could reduce earnings.
Share Savings Certificates: require a minimum deposit as indicated above. Fees could reduce earnings. There is a substantial penalty for early withdrawal from a share savings certificate. A 30 DAY DIVIDEND PENALTY applies to 6 Month Share Savings Certificates. A 90 DAY DIVIDEND PENALTY applies to all other Share Savings Certificates.
Exceptions from the early withdrawal penalty include:
*Account owner dies or is declared legally incompetent
*IRA accounts where the owner is 59 1/2 or older or permanently disabled
All Annual Percentage Yields: (APYs) are based on monthly compounding and crediting of dividends. Dividends must remain on deposit for the entire term in order to earn the stated APY. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. USX Federal Credit Union membership is required.
Funds are insured to $250,000 and tax deferred deposits to $250,000 by the National Credit Union Share Insurance Fund. Accounts can be structured to provide higher levels of Federal Insurance depending on a member’s financial situation. Current rates can be obtained by calling (888) 219-3159.
| Term | 5 Year | 10 Year | 15 Year | 20 Year |
|---|---|---|---|---|
| Loans $10,000 to $350,000 | 5.19% APR | 5.59% APR | 5.99% APR | 6.29% APR |
| Term | APR |
|---|---|
| 5 Year 7 Year 10 Year 12 Year 15 Year 20 Year | 3.15% APR 3.35% APR 3.55% APR 3.75% APR 3.95% APR 4.25% APR |
| Term | 5 Year | 10 Year | 15 Year | 20 Year |
|---|---|---|---|---|
| Loans $10,000 to $49,999 | 5.84% APR | 6.24% APR | 6.64% APR | N/A |
| Loans $50,000 to $300,000 | 5.54% APR | 5.94% APR | 6.34% APR | N/A |
| Type | Term | APR |
|---|---|---|
| Loans $10,000 to $49,999 | 5 Year 7 Year 10 Year 12 Year 15 Year 20 Year | 3.80% APR 4.00% APR 4.20% APR 4.40% APR 4.60% APR N/A |
| Loans $50,000 to $300,000 | 5 Year 10 Year 12 Year 15 Year 20 Year | 3.50% APR 3.70% APR 3.90% APR 4.10% APR 4.30% APR N/A |
| Plan | Maximum (LTV)Loan to Value | Adjustment to Index | Annual Percentage Rate (APR) | Maximum Loan Amount |
|---|---|---|---|---|
| Plan 1 (2) | 60% | Prime - 1.0% | 7.50% | $250,000 |
| Plan 2 (2) | 70% | Prime - 0.5% | 8.00% | $250,000 |
| Plan 3 (2) | 80% | Prime | 8.50% | $250,000 |
| Plan 4 (2) | 90% | Prime + 1.0% | 9.50% | $100,000 |
| Plan | Plan 1 (2) Plan 2 (2) Plan 3 (2) Plan 4 (2) |
|---|---|
| Maximum (LTV)Loan to Value | 60% 70% 80% 90% |
| Adjustment to Index | Prime - 1.0% Prime - 0.5% Prime Prime + 1.0% |
| Annual Percentage Rate (APR) | 6.50% 7.00% 7.50% 8.50% |
| Maximum Loan Amount | $250,000 $250,000 $250,000 $100,000 |
Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines.
(1) These rates are adjusted on a quarterly basis and are indexed to a Prime Rate published in the WALL STREET JOURNAL (WSJ). Rate adjusted effective January 1, 2025 based on the WALL STREET JOURNAL. Prime rate is (7.50%) as of December 21, 2024 in accordance with loan terms. *Maximum adjustment is 2% in a calendar year. Rate cannot go below 4.0%*
| Pledge Loans Up To 60 Months | APR | |
|---|---|---|
| Share Pledge Loans | 100% secured loan at 2.5% APR over the then current APY of the deposit pledged as collateral for the term of the loan. | |
| Stock Pledge Loans | 6.5% APR | Up to 75 % approved stocks |
| Pledge Loans Up To 60 Months | Share Pledge Loans Stock Pledge Loans |
|---|---|
| APR | 100% secured loan at 2.5% APR over the then current APY of the deposit pledged as collateral for the term of the loan. 6.5% APR |
| Up to 75% approved stocks (Stock Pledge Loans) |
| Maximum Loan Amount | APR | |
|---|---|---|
| Up to 60 Months | 9.74% APR | $21.12 per $1000 Borrowed |
Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines.
USXFCU provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by USXFCU, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.
Click the link above to continue or CANCEL