Rates and yields subject to change without notice. Deposits insured up to at least $250,000 by NCUA*.

*IRA's insured separately up to $250,000.  All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account on which the insured credit union pays no interest or dividend. 

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rounded to the Nearest Hundreth.
*Bonus APR and corresponding APY available on Certificate Terms of 24 Months or longer.

Prime Rate is 3.25%. Rates and APR are subject to change without notice. Loan Rates quoted are our lowest rates for qualified applicants and require automatic transfer of payment from a United Financial Services account (excludes VISA & Overdraft LOC). Without automatic payment add 0.25%. The actual interest rate offered will be based upon review of your credit report. We are an equal housing lender.

¹ Up to 100% NADA retail financing. 2009-2011 model years up to 60 months; 2005-2008 model years up to 48 months.

² Up to 72 months for new RVs/Boats over $25,000

³ Fixed Rate APR for maximum LTV up to 80%, LTV up to 85% add 0.50%

⁴ Home Equity Line of Credit: Initial APR for maximum LTV up to 80% may range from 4.00% to 10.00%; our initial APR will be based on a review of your credit application. For LTV up to 85% add 0.50%. This is an adjustable interest rate loan; the APR may change monthly and any change will be based upon the Wall Street Journal Prime Rate on the first day of the month. Minimum APR is 4.00% and maximum APR is 18%, plus or minus 2.0% yearly cap. Term:5 year draw period; minimum advance $500 and a 15 year repayment period. There are no closing costs or fees for NJ properties.