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Rates

Check out our breakdown of low rates below and get started today!

All Rates Effective – May 1, 2021

Auto Loans

New and Used Vehicles 2021 - 2018 ModelsStandard Rate APRDiscount (1) Rate APRMonthly Payment (2) Per $1,000 Borrowed
Up to 48 months2.79%1.79%$21.60
49 to 60 months2.99%1.99%$17.52
61 to 72 months3.19%2.19%$14.83
73 to 84 months3.39%2.39%$12.94
Used Vehicles 2017 - 2016 ModelsStandard Rate APRDiscount (1) Rate APRMonthly Payment (2) Per $1,000 Borrowed
Up to 48 months3.55%2.55%$21.94
49 to 60 months3.60%2.60%$17.79
Used Vehicles 2015 and Older ModelsStandard Rate APRDiscount (1) Rate APRMonthly Payment (2) Per $1,000 Borrowed
Up to 24 months5.09%4.09%$43.46
25 to 48 months5.29%4.29%$22.71
Quads & Dirt BikesStandard Rate APRDiscount (1) Rate APRMonthly Payment (2) Per $1,000 Borrowed
New: 1 to 60 months5.29%4.29%$18.55
Used: 1 to 48 months6.29%5.29%$23.16
Boats & Motor Homes, Travel TrailersStandard Rate APRDiscount (1) Rate APRMonthly Payment (2) Per $1,000 Borrowed
New up to 96 months5.02%4.02%$12.20
Used up to 60 months6.02%5.02%$18.88
Used 61 to 72 months6.52%5.52%$16.35

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.

**USX FCU loan amount must be $30,000.00 or greater to be eligible for 73 – 84 month financing. Credit Tiers 1 – 4 only.

DISCOUNTS
(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.

LOAN VALUES
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

Credit Cards

Annual Percentage Rate on Purchases And Cash AdvancesRate Information & No Interest PeriodDiscount (1) Rate APR
VISA PLATINUM
9.90% to 15.90%
Fixed APR for 24 months after card issued
No Variable Rate
23 Day No Interest Period
No Balance Transfer Fee
No Cash Advance Fee
Annual Fee: None
Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Merchant Draft Copy: $10.00
Card Replacement: $10.00
International Transaction Fee: With currency conversion 1%, without 0.8%
VISA BLUE
17.90%
No Variable Rate 23 Day No Interest Period No Balance Transfer Fee No Cash Advance FeeAnnual Fee: $50.00
Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Merchant Draft Copy: $10.00
Card Replacement: $10.00
International Transaction Fee: With currency conversion 1%, without 0.8%

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.

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.



VISA DISCLOSURE

opens PDF file

Dividend Rates

SHARE AND CERTIFICATE ANNUAL PERCENTAGE YIELDS (APY)
Share TypeAPY
Regular Shares.05%
Holiday and Club Savings.05%
Youth Savings1.00% (on first $500)
Members Plus Checking.02%
IRA, Roth IRA and Coverdell Education Shares.05%
IMMA SharesAPY
Level 1 Balances under $9,999.990.05%
Level 2 Balances $10,000 to $24,999.990.10%
Level 3 Balances $25,000 to $49,999.990.10%
Level 4 Balances $50,000 to $99,999.990.15%
Level 5 Balances $100,000 and over0.20%

Share Savings Certificates, Traditional IRA Certificates, Roth IRA and Coverdell Education Certificates:

Certificate TypeMinimum Balance $500 APYMinimum Balance $10,000 APYMinimum Balance $25,000 APY
6 Month (Share Savings Certificate Only)0.10%0.15%0.25%
12 Month0.15%0.20%0.30%
24 Month0.20%0.25%0.35%
36 Month0.25%0.30%0.40%
48 Month0.30%0.35%0.45%
60 Month0.35%0.40%0.50%

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.

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) 219-3159opens phone dialer.

Home Loans

FIRST LIEN POSITION (1)
Term5 Year7 Year10 Year12 Year15 Year20 Year
Loans $10,000 to $350,0003.15% APR3.35% APR3.55% APR3.75% APR3.95% APR4.25% APR
TermAPR
5 Year

7 Year

10 Year

12 Year

15 Year

20 Year
3.15% APR

3.35% APR

3.55% APR

3.75% APR

3.95% APR

4.25% APR
SECOND LIEN POSITION (1)
Term5 Year7 Year10 Year12 Year15 Year20 Year
Loans $10,000 to $49,9993.80% APR4.00% APR4.20% APR4.40% APR4.60% APRN/A
Loans $50,000 to $300,0003.50% APR3.70% APR3.90% APR4.10% APR4.30% APRN/A
TypeTermAPR
Loans $10,000 to $49,9995 Year

7 Year

10 Year

12 Year

15 Year

20 Year
3.80% APR

4.00% APR

4.20% APR

4.40% APR

4.60% APR

N/A
Loans $50,000 to $300,0005 Year

10 Year

12 Year

15 Year

20 Year
3.50% APR

3.70% APR

3.90% APR

4.10% APR

4.30% APR

N/A
Variable Rate Home Equity Line-of-Credit (HELOC) (2)
10 Year Draw Period
Introductory rate fixed at 1.99% APR for 12 months from loan closing date.
After introductory period, APR will be a variable rate as indicated below.
PlanMaximum (LTV)Loan to ValueAdjustment to IndexAnnual Percentage Rate (APR)Maximum Loan Amount
Plan 1 (2)60%Prime - 1.0%4.00%$250,000
Plan 2 (2)70%Prime - 0.5%4.00%$250,000
Plan 3 (2)80%Prime4.00%$250,000
Plan 4 (2)90%Prime 1.0%4.25%$100,000
PlanPlan 1 (2)

Plan 2 (2)

Plan 3 (2)

Plan 4 (2)
Maximum (LTV)Loan to Value60%

70%

80%

90%
Adjustment to IndexPrime - 1.0%

Prime - 0.5%

Prime

Prime 1.0%
Annual Percentage Rate (APR)4.00%

4.00%

4.00%

4.25%
Maximum Loan Amount$250,000

$250,000

$250,000

$100,000

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.

(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 a Prime Rate as published in the WALL STREET JOURNAL (WSJ). Rate adjusted effective July 1, 2021, based on the WALL STREET JOURNAL. Prime rate is (3.25 %) as of June 20, 2021, in accordance with loan terms. *Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.0%.

  • Minimum Real Estate secured loan amount $10,000.
  • Property must be owner occupied and primary residence located in Pennsylvania or Ohio.

Pledge Loans

Pledge Loans Up To 60 MonthsAPR 
Share Pledge Loans100% secured loan at 2.5% APR over the then current APY of the deposit pledged as collateral for the term of the loan.
Stock Pledge Loans6.5% APRUp to 75 % approved stocks
Pledge Loans Up To 60 MonthsShare Pledge Loans

Stock Pledge Loans
APR100% secured loan at 2.5% APR over the then current APY of the deposit pledged as collateral for the term of the loan.

6.5% APR
Up to 75% approved stocks (Stock Pledge Loans)

Personal/Signature Loans

Maximum Loan AmountAPR 
Up to 60 Months5.99% APR$19.33 per $1000 Borrowed

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.

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