There’s more than one way to Visa®
Manage your debit card, or purchase a reloadable option - whatever works for you.
Benefits You’ll Love
- Reloadable or disposable options
- Easy digital card management
- Security that comes with Visa®
- Use your card worldwide
UECU Reloadable Visa® debit cards are perfect for:
- Travel or Vacation
- For Teens or College Age Dependents
- Online/Mobile Shopping
By pre-funding your card with a specific amount of money, you control your spending and can reload the card with funds at any time. To purchase a prepaid debit card card visit your nearest UECU office.
Add funds to your card by visiting www.cumoney.com. They may be used anywhere a VISA® debit card is accepted.
Cards you buy after Aug. 22, 2010, hold their value for five years or, if the card is reloadable, for five years on any amount you add.
An inactivity fee may be charged after 12 months.
Give the gift that everyone is sure to love. We offer Visa® gift cards at every branch location. Visit your local branch to pick up a gift card today.
FAQ
Where can Gift Cards be used?
The advantage of Gift Cards is that, unlike merchant specific cards, they can be used to make purchases anywhere VISA® debit cards are accepted. The cards can NOT be used at pay at the pump, car rentals, or hotels (including hotel stores, restaurants, gift shops, etc.)
Are Gift Cards the same as credit cards?
No. Gift Cards are prepaid VISA® cards that carry a fixed cash amount determined by the Gift Card purchaser. Each time the card is used, the purchase amount is deducted from the available balance.
Can Gift Cards be reloaded?
Individual cards cannot be reloaded but you always have the option to purchase additional Gift Cards-for yourself or for someone special in your life.
Can a merchant give cash back on a Gift Card?
Merchant can deduct purchases from the Gift Card accounts, but they cannot offer cash back as part of the Gift Card service.
Do Gift Cards have expiration dates?
Yes, Gift Cards expire when the remaining balance reaches $0 or on the card expiration date on the front of the card.
Does the Gift Card recipient incur any fees with the Gift Card?
If the card is not used for a period of 12 months, there will be a $5 fee deducted monthly.
Download the Card Suite Lite mobile app to manage your UECU Debit Card.
- Freeze or unfreeze your card
- Receive instant alerts
- Control where your card can be used
- Get spending insights
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 & Truck Loans (100% Financing)
2023 & Newer
Term | APR* |
---|---|
36 Months | 5.50 |
48 Months | 5.55 |
60 Months | 5.65 |
72 Months | 6.25 |
84 Months** | 7.15 |
2019-2022 / 90% NADA
Term | APR* |
---|---|
36 Months | 5.80 |
48 Months | 6.00 |
60 Months | 6.25 |
72 Months | 6.65 |
84 Months** | 7.90 |
2016-2018 / 85% NADA
Term | APR* |
---|---|
36 Months | 6.75 |
48 Months | 7.00 |
60 Months | 7.40 |
72 Months | 7.90 |
2015 and older/ 80% NADA
Term | APR* |
---|---|
36 Months | 7.25 |
48 Months | 7.50 |
60 Months | 7.90 |
72 Months | 8.15 |
*APR Is The Annual Percentage Rate. **84 Month term available for loan amount of $40,000 or more.
Declared Dividend
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.
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 | 6.35 |
10 Year | Please contact us | 6.50 |
15 Year | Please contact us | 7.00 |
20 Year | Please contact us | 7.25 |
30 Year | Please contact us | 7.55 |
5 Year (2nd Lien Position) | Please contact us | 6.25 |
7 Year | Please contact us | 6.75 |
10 Year | Please contact us | 7.00 |
15 Year | Please contact us | 7.50 |
20 Year | Please contact us | 7.90 |
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 Rate. 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.
Motorcycles, Boats, & RV
2021 & Newer
Term | APR* |
---|---|
36 Months | 6.00 |
48 Months | 6.05 |
60 Months | 6.20 |
72 Months | 6.75 |
84 Months** | 7.25 |
96 Months** | 7.50 |
108 Months*** | 8.00 |
120 Months*** | 8.05 |
144 Months*** | 8.20 |
2017-2020 / 90% NADA
Term | APR* |
---|---|
36 Months | 6.75 |
48 Months | 7.00 |
60 Months | 7.25 |
72 Months | 7.65 |
84 Momths** | 7.75 |
96 Months** | 8.00 |
108 Months*** | 8.25 |
2016 & Older / 80% NADA
Term | APR* |
---|---|
24 Months | 7.50 |
36 Months | 7.50 |
48 Months | 7.75 |
60 Months | 8.50 |
72 Months | 8.75 |
*APR Is The Annual Percentage Rate.
**Loan term of 84 or 96 months available for loan amounts of $40,000 or more.
***Loan term of 108, 120, and 144 month available for loan amounts of $60,000 or more.
Note Loans
Type | APR* |
---|---|
6 Months | Contact the CU |
*APR Is The Annual Percentage Rate.
Personal Loans
Type | APR* |
---|---|
Up To 1 Year | 7.75 |
Over 1 Up To 2 Years | 8.75 |
Over 2 Up To 3 Years | 10.00 |
Over 3 Up To 4 Years | 10.25 |
Over 4 Up To 5 Years | 10.50 |
*APR Is The Annual Percentage Rate.
Term limits may apply to personal loans.
Share & Share Certificate Secured Loans
Type |
---|
Contact the Credit Union for Rate. 217.875.1845 |
Share Certificates
$500 Minimum - Youth
Time | Nominal Rate | APY* |
---|---|---|
6 Months | .75 | .75 |
12 Months | 1.50 | 1.51 |
18 Months | 1.15 | 1.16 |
24 Months | 1.40 | 1.41 |
36 Months | 1.40 | 1.41 |
48 Months | 1.20 | 1.21 |
60 Months | 1.20 | 1.21 |
$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.