Signature Loans (Unsecured)
As low as 8.74% APR - up to 60 months.
12.5% APR - 61 to 120 months.
Up to $10,000 for qualified borrowers.
12.5% APR - 61 to 120 months.
Up to $10,000 for qualified borrowers.
Share-Secured Loans
As low as 4.0%. Up to the amount of shares pledged. Loans secured by share certificates are 2% above the certificate dividend rate.
Automobiles - New, Used, Refinance
5.49% - up to 36 months APR*
6.49% - 37 to 60 months APR*
6.99% - 61 to 72 months APR*
*Effective 1/29/2024. Quoted loan rates are for well-qualified borrowers. Loan rates can be changed or withdrawn at any time. Rates are annual percentage rate (APR).
6.49% - 37 to 60 months APR*
6.99% - 61 to 72 months APR*
*Effective 1/29/2024. Quoted loan rates are for well-qualified borrowers. Loan rates can be changed or withdrawn at any time. Rates are annual percentage rate (APR).
RV, ATV, and Motorcycle Loans
Up to 48 months 6.50% APR
49-60 months 6.85% APR
61-72 months 7.85% APR
73-84 months 8.85% APR
85-120 months 9.85% APR (loan amount >$70K)
*Effective 1/29/2024. Rates quoted based on a FICO credit score of 720. Other rates available based on credit score. Loans are for qualified borrowers.
49-60 months 6.85% APR
61-72 months 7.85% APR
73-84 months 8.85% APR
85-120 months 9.85% APR (loan amount >$70K)
*Effective 1/29/2024. Rates quoted based on a FICO credit score of 720. Other rates available based on credit score. Loans are for qualified borrowers.
Call the Credit Union at 412-481-1865 for details.
Mortgages
Call the Credit Union at 412-481-1865 for details.
- LOAN RATES ARE FOR QUALIFIED BORROWERS. Income, credit history and monthly debt are evaluated for qualification of borrowers who must be USWPFCU members.
- All rates are fixed rates and subject to change without notice.
- APR: ANNUAL PERCENTAGE RATE is effective 8/1/2023.
- Home Equity Loans at 80% property's market value less existing liens. Higher rates for >80%. No closing costs or fees.
- Ukrainian Selfreliance of Western Pennsylvania Federal Credit Union Nationwide Mortgage Licensing System
- For details regarding home equity loans and mortgages contact the Credit Union.
Credit Score Table and Your Rate
Numerical scores are FICO scores as reported by the Experian Credit Bureau
Score Range720+
680-719
620-679
580-619
|
Grade LevelA
B
C
D
|
Rate AdjustmentLowest/Base Rate
Add 1.00 to Base Rate
Add 2.50 to Base Rate
Add 4.00 to Base Rate
|
Signature Loan Limits$ 20,000 up to 60 months
$ 10,000 up to 60 months
$ 5,000 up to 48 Months
$ 2,500 Up to 36 Months
|
Your score is the credit score based on information from your credit files reported by a credit bureau. USWPFCU uses the Experian credit bureau and the score known as the FICO score. Lenders use credit scores to evaluate the potential risk posed by lending money to borrowers. Credit scores can also determine what a borrower pays for credit based on this risk. Higher scores mean that borrowers are more likely to be approved and pay a lower interest rate for credit. On 11/28/12, USWPFCU established "risk-based pricing" in order to reward borrowers with outstanding credit history and present credit opportunities for those with impaired credit or no credit history. The term "Rates As Low As" represents the lowest or base rate. Debt ratio (50% or less) and credit history are considered for all Grade Levels. Applicants with no credit history are assigned Grade Level C. The Rate Adjustment factor is added to the "as low as" quoted rate. On 2/27/13, signature loan and credit card limits increased to $10,000 for Grade Level A and B.
Your savings are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
