U of I Employees Credit Union
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Loans

  Auto Loan Special

Purchase or Refinance
Your 2009 or Newer Vehicle

1.99% APR**, 72 months or less

**Must meet minimum credit score and loan-to-value requirements. Limited time offer, promotion ends March 31, 2014. Loans currently financed with the credit union are not eligible for this special. **

Apply Now!
Visit one of our branch locations
Visit participating dealers

Loan Rates effective as of 1/1/2014

Annual Percentage
Rates (APR) as low as...
 

Auto Loan Rates
Loan Type Available Term APR*
New/Used Auto, Motorcycle, Boat, RV
2009 or newer
Up to 72 Months**  as low as 1.99%
New/Used Auto, Motorcycle, Boat, RV
2008 or newer
Up to 72 Months**  as low as 2.99%
Used Auto, Motorcycle, Boat, RV
2007 and older
Up to 72 Months**

 as low as 6.24%

Auto Tax Advantage Loans Up to 72 Months** same rates as above
Personal Loan Rates
Loan Type Available Term APR*
Personal Loans Up to 60 Months** as low as 12.75%
Share Secured Line of Credit Open end

 as low as 6.50%

Certificate Secured Line of Credit Open end Varies
Prime Credit Line of Credit Open end

as low as 7.00%

Ready Credit Line of Credit Open end

 as low as 10.5%

Overdraft Line of Credit Open end

 as low as 10.5%

Home Equity Rates
Loan Type 80% Loan to Value APR+ 90% Loan to Value APR+
100% Loan to Value APR+
Home Equity Line of Credit as low as 4.25% as low as 5.25% as low as 6.25%
5 year- Fixed Rate Home Equity as low as 5.25% as low as 6.25% as low as 7.25%
10 year- Fixed Rate Home Equity as low as 5.75% as low as 6.75% as low as 7.75%
15 year- Fixed Rate Home Equity as low as 6.75%

as low as 7.25%

as low as 8.25%
First Mortgage- Please contact us at 217-278-7700 for current rates.

Apply today or call Anytime Loan at 877-678-4328. 

Home Equity- Disclosure Information


Special Discounts!
 

  • Loyalty Level 4 Checking Members may qualify for a 0.35%discount on loans other than real estate, VISA, and credit lines. Loyalty Level 3 Checking Members may qualify for a 0.25% discount. llini Advantage PLUS Checking Members may qualify for a 0.25% discount. 
  • You could receive an additional 0.25% discount for Payroll Deduction or other pre-authorized transfer on loans other than real estate, VISA, and credit lines.

**Vehicle value must be greater than $15,000 in order to qualify for 72 month financing. Maximum terms subject to vehicle mileage. If the vehicle value is less than $6,000 Personal Loan Rates apply. All rates subject to change.

*The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.

+Loan rates are subject to change without notice. Actual Annual Percentage Rate (APR) may be higher based upon loan amount and selected terms. Loan calculated at variable rate of Prime + 1% APR for 80% or less Loan-to-Value (LTV) or Prime + 2% APR for 81%-90% LTV, or Prime + 3% APR for 91-100% LTV. Rates are subject to adjust monthly. Maximum APR is 18.00%. Minimum APR is Prime Rate. Maximum Line of Credit is $150,000, minimum is $10,000. Maximum fixed home equity loan is $75,000, minimum is $5,000. Minimum credit score requirements apply on LTVs greater than 90%. Closing costs are waived — however, if the member closes the home equity within two years, they must reimburse UIECU for all fees involved with opening the home equity. Fees may range from $133 to $400. No annual fee. Offers not valid on existing UIECU loans. Disclosure information is accurate and effective as of 4/1/2010 and is subject to change. To inquire about changes in these disclosures, call toll free 877-678-4328. Other restrictions may apply. Subject to credit approval. All terms and conditions of this offer are subject to change at any time without notice.

All rates subject to change.

 
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Phone Terms and Conditions Illini Union Branch, Urbana    
Local 217-278-7700      
Toll Free 877-678-4328        
Mail
PO Box 500
Champaign, IL 61824-0500

UIECU Routing Number
271176899
Once a member, always a memberShared BranchingEqual Housing LenderNCUA

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