All Rates Effective - November 1, 2018
New and Used Vehicles
2019 - 2016* Models
Monthly Payment (2) Per $1,000 Borrowed
49 to 60 months
Up to 48 months
Up to 24 months
New: 1 to 60 months
Boats & Motor Homes,
Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines.
*2015 Vehicles eligible for 72 month financing if NADA Vehicle RETAIL VALUE is $20,000 or GREATER - Credit Tiers 1-4 only.
(1) Discounts available for USX FCU Borrowers Security (.50% Discount) & for Loan To Values below 90% (.50% Discount).
(2) Payment example assumes all discounts applied and maximum loan term available.
New Vehicle LOAN VALUE is MSRP
Used & Older Vehicle LOAN VALUE is the retail value listed in the most recent NADA Used Vehicle Guide.
Quad, Dirt Bikes, Boats, Motor Homes & Travel - Average Retail
VISA® Credit Card Rates
How to avoid paying interest on purchases: Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Finance charge on cash advances and balance transfers will begin on the transaction date.
To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Finance Protection Bureau at: http://www.consumerfinance.gov/learnmore/
SHARE AND CERTIFICATE ANNUAL PERCENTAGE YIELDS (APY)
(Share Savings Certificate Only)
Rates are subject to change or withdrawal without notice. Annual Percentage Yields (APYs) are accurate as of the date shown above.
Regular shares: require a minimum deposit of $25. Dividends begin to accrue on all accounts indicated above on both cash and non-cash items (e.g., checks) from the date of deposit. Fees could reduce earnings. Share accounts closed before accrued dividends are credited to it will not be paid accrued dividends.
Members Plus Checking: requires a $100 Deposit minimum at opening and a monthly average daily balance of $1,000 to avoid a $10 monthly account fee. Fees could reduce earnings.
Special Youth Savings: 1.00% APY applies to balances up to $500.00 only and balance over $500.00 will earn the Regular Share Savings rate. The Credit Union Board of Directors will review and adjust the Dividend rate monthly. For current Dividend Rate please refer to the published Dividend rates. Membership eligibility and $25 minimum balance required to maintain a Regular Share savings account. Rate applies only to Dollar Dog, Cha-Ching, and the edge youth savings accounts.
Insured Money Management Accounts: require an initial deposit of $10,000. Dividends are calculated from the Date of Deposit to the Date of Withdrawal and are compounded and credited monthly. Fees could reduce earnings.
Share Savings Certificates: require a minimum deposit as indicated above. Fees could reduce earnings. There is a substantial penalty for early withdrawal from a share savings certificate. A 30 DAY DIVIDEND PENALTY applies to 6 Month Share Savings Certificates. A 90 DAY DIVIDEND PENALTY applies to all other Share Savings Certificates. Share Savings Certificate "SPECIALS" all carry a substantial penalty of 12 months simple interest for early withdrawal.
Exceptions from the early withdrawal penalty include:
*Account owner dies or is declared legally incompetent
*IRA accounts where the owner is 59 1/2 or older or permanently disabled
All Annual Percentage Yields: (APYs) are based on monthly compounding and crediting of dividends. Dividends must remain on deposit for the entire term in order to earn the stated APY. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. USX Federal Credit Union membership is required.
Funds are insured to $250,000 and tax deferred deposits to $250,000 by the National Credit Union Share Insurance Fund. Accounts can be structured to provide higher levels of Federal Insurance depending on a member's financial situation. Current rates can be obtained by calling (888) 219-3159.
Loans $10,000 to $350,000
Loans $10,000 to $49,999
Maximum (LTV)Loan to Value
Adjustment to Index
(1) Fixed Rate Home Equity Loans 80% MAXIMUM (LTV) LOAN TO VALUE
(2)These rates are adjusted on a quarterly basis and are indexed to Prime Rate as published in the WALL STREET JOURNAL (WSJ). Adjusted rate effective October 1, 2018, based on the WALL STREET JOURNAL Prime Rate (5.00%) as of September 20, 2018, in accordance with loan term. Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.00%.
Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or Ohio. Please call your local credit union office for current details
Stock Pledge Loans
Up to 60 Months
The maximum loan amount granted unsecured is dependent on borrowers credit worthiness and level of indebtedness.