All Rates Effective - April 1, 2017


    Auto Loans

    New and Used Vehicles
    2017 - 2015 Models

    Standard Rate APR

    Discount (1)
    Rate APR

    Monthly Payment (2) Per $1,000 Borrowed

    Up to 48 months 2.50% 1.50% $21.48

    49 to 60 months

    2.80% 1.80% $17.44
    61 to 72 months 3.00% 2.00% $14.75
    Used Vehicles
    2014 - 2012 Models
         

    Up to 48 months

    3.50% 2.50% $21.91
    49 to 60 months 4.50% 3.50% $18.19
    Used Vehicles
    2011 and Older Models
         

    Up to 24 months

    5.50% 4.50% $43.65
    25 to 48 months 6.50% 5.50%

    $23.26

    Quads & Dirt Bikes      

    New: 1 to 60 months

    4.00% 3.00% $17.97
    Used: 1 to 48 months 6.00% 5.00% $23.03

    Boats & Motor Homes,
    Travel Trailers

         
    New up to 96 months 6.00% 5.00% $12.66
    Used up to 60 months 6.00% 5.00% $18.87
    Used 61 to 72 months 6.50% 5.50% $16.34

    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.

    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

    VISA® Credit Card Rates

    Annual Percentage Rate
    on Purchases And Cash Advances
    Rate Information & No Interest Period Fees
    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 Fee
    Annual 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 transacton 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/
    VISA Disclosure

    Dividend Rates

    SHARE AND CERTIFICATE ANNUAL PERCENTAGE YIELDS (APY)

      APY    
    Regular Shares .10%    
    Holiday and Club Savings .10%    
    Youth Savings 1.00% On first $500.00  
    Members Plus Checking .05%    
    IRA, Roth IRA and Coverdell Education Shares .10%    
    IMMA Shares      
    Level 1 Balances
    under $9,999.99
    0.15%    
    Level 2 Balances
    $10,000 to $24,999.99
    0.25%    
    Level 3 Balances
    $25,000 to $49,999.99
    0.30%    
    Level 4 Balances
    $50,000 to $99,999.99
    0.35%    
    Level 5 Balances
    $100,000 and over
    0.40%    
    Share Savings Certificates, Traditional IRA Certificates, Roth IRA
    and Coverdell Education Certificates:
      MINIMUM DEPOSIT
      $500
    APY
    $10,000
    APY
    $25,000
    APY

    6 Month
    (Share Savings Certificate Only)

    0.20% 0.35% 0.40%
    12 Month 0.25% 0.55% 0.60%
    24 Month 0.35% 0.75% 0.80%
    36 Month 0.45% 0.95% 1.00%
    48 Month 0.65% 1.15% 1.20%
    60 Month 0.85% 1.35% 1.40%
    * LIMITED TIME SPECIAL SHARE CERTIFICATE RATES & TERMS *

    SPECIAL 15-Month Share Certificate
    $25,000 minimum deposit

    1.00% APY

    SPECIAL 66-Month Share Certificate
    $25,000 minimum deposit

    2.00% APY
    This is a limited time offer and is subject to change or withdrawal without notice. All Share Certificate Special Annual Percentage Yields (APYs) are accurate as of Feb. 8, 2017 and require a minimum deposit of $25,000.00. Fees could reduce earnings. Share Certificate SPECIALS ALL CARRY A SUBSTANTIAL PENALTY OF 12 MONTHS SIMPLE INTEREST FOR EARLY WITHDRAWAL.

    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) 219-3159.

    Home Loans

    FIRST LIEN POSITION (1)
    TERM 5 Year 7 Year 10 Year 12 Year 15 Year 20 Year

    Loans $10,000 to $350,000

    2.49% APR 3.20% APR 3.40% APR 3.78% APR 3.98% APR 4.28% APR
    SECOND LIEN POSITION (1)

    Loans $10,000 to $49,999

    3.04% APR 3.75% APR 3.95% APR 4.33% APR 4.53% APR N/A
    Loans $50,000 to $300,000 2.74% APR 3.45% APR 3.65% APR 4.03% APR 4.23% APR N/A
    Variable Rate Home Equity Line-of-Credit (HELOC) (2)
    10 Year Draw Period
    Introductory rate fixed at 2.00% APR for 12 months from loan closing date.
    After introductory period, APR will be a variable rate as indicated below.
    Plans Plan 1 (2) Plan 2 (2) Plan 3 (2) Plan 4 (2)

    Maximum (LTV)Loan to Value

    60% 70% 80% 90%

    Adjustment to Index

    Prime - 1.0% Prime - 0.5% Prime Prime 1.0%
    Annual Percentage Rate (APR) 4.00% 4.00% 4.00% 4.75%
    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 Prime Rate as published in the WALL STREET JOURNAL (WSJ). Adjusted rate effective January 1, 2017, based on the WALL STREET JOURNAL Prime Rate (3.75%) as of December 21, 2016, 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

     

    Personal Loans

    PLEDGE LOANS
    Up to 60 Months
    Share Pledge Loans 100 % 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 Loans

    6.5 % APR Up to 75 % approved stocks
    PERSONAL/SIGNATURE LOANS

    Up to 60 Months
    The maximum loan amount granted unsecured is dependent on borrowers credit worthiness and level of indebtedness.

    5.99% 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.