Get the right ride at the right rate
Apply for an auto loan with United Equity and get on the road with terms that work for you.
Benefits You’ll Love
- Applicable for a variety of vehicles
- Customized terms to meet your needs
- Additional perks and protection available
- Competitive rates to help you save
- Competitive, fixed and variable rates on new or used vehicles
- A wide range of terms customized to your unique situation
- Pre-approval available for extra bargaining power at the dealership
- Refinance your current vehicle to potentially lower your rate
- Extend your vehicle protection with a Route 66 Extended Warranty
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
- Bring a recreational vehicle into your outdoor adventure arsenal
- Extend your vehicle protection with a Route 66 Extended Warranty
- Not just for RV's! Competitive rates for a wide range of recreational vehicles:
- Motorcycles and ATVs
- Motorhomes and travel trailers
- Boats and personal watercraft
- And more
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto & Motorcycle Loans
2023 & Newer
| Term | APR* |
|---|---|
| Up to 60 Months | 5.00 |
| 72 Months | 6.00 |
| 84 Months** | 7.50 |
2020-2022
| Term | APR* |
|---|---|
| Up to 60 Months | 6.00 |
| 72 Months | 7.00 |
| 84 Months** | 8.50 |
2017-2019
| Term | APR* |
|---|---|
| Up to 60 Months | 7.00 |
| 72 Months | 8.00 |
2014 - 2016
| Term | APR* |
|---|---|
| Up to 60 Months | 7.50 |
| 72 Months | 8.50 |
*APR Is The Annual Percentage Rate.
**84 Month term available for loan amount of $40,000 or more.
Home Equity Fixed Rate/Fixed Term (minimum $5,000)
| Type | Loan to Value | APR* |
|---|---|---|
| 5 Year (1st Lien Position) | Please contact us | 6.00 |
| 7 Year | Please contact us | 6.25 |
| 10 Year | Please contact us | 6.50 |
| 15 Year | Please contact us | 6.50 |
| 20 Year | Please contact us | 6.75 |
| 30 Year | Please contact us | 7.00 |
| 5 Year (2nd Lien Position) | Please contact us | 6.25 |
| 7 Year | Please contact us | 6.50 |
| 10 Year | Please contact us | 7.00 |
| 15 Year | Please contact us | 7.00 |
| 20 Year | Please contact us | 7.50 |
| 30 Year | Please contact us | 8.00 |
*APR Is The Annual Percentage Rate. The rate you receive will be determined on your past credit history and credit performance.
Home Equity Line of Credit (HELOC)
| Type |
|---|
| Contact the Credit Union for Rates & Terms. 217.875.1845 |
Home Equity Line of Credit (HELOC) (with actual rates)
| Type | Range of Balances | APR* |
|---|---|---|
| 60 Months Maximum | $ 5,000 - $ 10,000 | 8.75 |
| 120 Months Maximum | $10,000.01 - $ 30,000 | 8.75 |
| 150 Months Maximum | $30,000.01 - $350,000 | 8.75 |
5 year draw period $5,000 Minimum initial draw. Minimum $1,000 additional draws. Payments adjusted with each draw (Minimum $100.00 Monthly Payment).
*APR Is The Annual Percentage Rate. The rate you receive will be determined on your past credit history and credit performance.
Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $20,000 | $25 | 5.00% | 5.00% |
| $20,000+ | $25 | 1.04% | 1.04% |
| All balances if qualifications not met | $25 | 0.00% | 0.00% |
Qualifications
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
Kasasa Cash
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $20,000 earn a dividend rate of .2497% on the portion of the average daily balance over $20,000, resulting in a range from 5.00% to 1.04% APY depending on the account's average daily balance. You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified (Max reimbursement of $4.99 per withdrawal fee). When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/06/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Insured To $250,000 Per Account by American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.
Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Saver
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $25 | 2.00% | 2.00% |
| $25,000+ | $25 | 0.60% | 0.60% |
| All balances if qualifications not met | $25 | 0.05% | 0.05% |
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $20,000 earn a dividend rate of .2497% on the portion of the average daily balance over $20,000, resulting in a range from 5.00% to 1.04% APY depending on the account's average daily balance. You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified (Max reimbursement of $4.99 per withdrawal fee). When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/06/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Insured To $250,000 Per Account by American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.
Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Note Loans
| Type | APR* |
|---|---|
| Up to 6 Months | Contact the CU |
*APR Is The Annual Percentage Rate.
Personal Loans
| Type | APR* |
|---|---|
| Up to 12 Months | 7.50 |
| 24 Months | 8.50 |
| 36 Months | 9.50 |
| 48 Months | 10.50 |
| 60 Months | 11.50 |
*APR Is The Annual Percentage Rate.
Term limits may apply to personal loans.
Recreational Vehicles
2023 & Newer
| Term | APR* |
|---|---|
| Up to 60 Months | 6.00 |
| 72 Months | 7.00 |
| 73 - 120 Months** | 8.50 |
2017-2022
| Term | APR* |
|---|---|
| Up to 60 Months | 7.00 |
| 72 Months | 8.00 |
| 73 - 120 Months** | 9.00 |
2014 - 2016
| Term | APR* |
|---|---|
| Up to 60 Months | 8.00 |
| 72 Months | 9.00 |
*APR Is The Annual Percentage Rate.
**Loan term of 73-120 months available for loan amounts of $60,000 or more.
Share & Share Certificate Secured Loans
| Type |
|---|
| Contact the Credit Union for Rates & Terms. 217.875.1845 |
Share Accounts
| Account Type | Nominal Rate | APY* |
|---|---|---|
| Regular Shares | .15 | .15 |
| Christmas Club Accounts | .25 | .25 |
| Vacation Club Accounts | .15 | .15 |
| Special Purpose Accounts | .15 | .15 |
| Share Draft Accounts | .05 | .05 |
| Money Market Accounts | 1.20 | 1.21 |
*APY Is The Annual Percentage Yield.
All rates are determined by the Board of Directors and are subject to change periodically.
Share Certificates
$500 Minimum - Youth
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.25 | 1.26 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.50 | 1.51 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
$1,000 Minimum
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.25 | 1.26 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.50 | 1.51 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
$10,000 Minimum
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.30 | 1.31 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.55 | 1.56 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
$25,000 Minimum
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.35 | 1.36 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.60 | 1.61 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
*APY Is The Annual Percentage Yield.
All rates are determined by the Board of Directors and are subject to change periodically.