Rates

Term APY
10 Year 2.50%
9 Year 2.50%
8 Year 2.50%
7 Year 2.50%
6 Year 2.50%
5 Year 2.50%
4 Year 2.50%
3 Year 2.50%
3 Year 2.50%
30 Month 2.50%
24 Month 2.50%
18 Month 0.30%
12 Month 0.30%
9 Month 0.25%
6 Month 0.20%
91 Day 0.15%
Term APY
13 Month 4.00%
19 Month 3.75%
31 Month 3.75%
Account APY
Money market 0.25%
Super NOW account 0.05%
NOW account 0.02%
Savings account 0.10%
Year Term 720 & Higher 700-719 660-699
2025/2021 36 Months 7.24% 7.74% 8.49%
2025/2021 48 Months 7.24% 7.99% 8.74%
2025/2021 60 Months 7.24% 8.24% 8.99%
2025/2021 66 Months 7.99% 8.74% 9.24%
2025/2021 72 Months 8.24% 8.99% 9.49%
2020/2019 36 Months 7.24% 7.74% 8.99%
2020/2019 48 Months 7.24% 8.24% 9.24%
2020/2019 60 Months 7.99% 8.49% 9.49%
2020/2019 66 Months 8.49% 9.74% 9.99%
2018 36 Months 7.49% 7.99% 8.99%
2018 48 Months 7.74% 8.49% 9.24%
2018 60 Months 8.24% 8.74% 9.74%
2017 36 Months 7.74% 8.49% 9.99%
2017 48 Months 7.99% 8.74% 10.24%
2016 36 Months 9.24% 10.24% 10.74%
2016 48 Months 9.49% 10.49% 11.24%
2015/Older 48 Months 10.24% 10.99% 11.24%
Type Term 720 & Higher 700-719 660-699
Unsecured 48 Months 10.24% 10.74% 11.25%
Secured 48 Months 10.00% 10.50% 11.24%
Term Up to 80% 81% – 90% 91% – 100%
12 to 18 months 7.50% 8.50% 9.50%
49 to 72 months 7.75% 8.75% 9.75%
73 to 120 months 8.25% 9.25% 10.25%

Frequently asked questions

What skills are most important for working in banking?
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Is prior banking experience neccesary?
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What is work culture like at USLA?
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What credit score do I need to apply?
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Do I need to make a down payment?
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What documents do I need to apply?
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How do I open a checking account?
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How do I set up direct deposit?
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How can I monitor account activity?
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How can I tell if a call, email, or text from my bank is legitimate?
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How can I report a scam attempt to USLA?
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How often should I check my bank statements for fraud?
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How do I open a savings account?
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Are there any limits on how many withdrawls I can make?
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Is my savings account insured?
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Will switching banks affect my credit score?
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Can I keep my old bank account open while I transition?
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How long does it take to fully switch to a new bank?
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What is the difference between a will and a trust?
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Can I revoke a trust after it is created?
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Can a trust help with charitable giving?
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How can I make changes to my account?
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How do I set up my POS terminal?
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How do I review a recent transation?
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How often to savings account interest rates change?
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What happens if I withdraw money from my CD early?
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Are interest rates for home loans fixed, or variable?
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What qualifications do I need for a commercial loan?
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Can startups or new businesses qualify for a loan?
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How long does it take to get approved?
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What are the requirements to open a business checking account?
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How is a business checking account different from a personal account?
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Can I open multiple business checking accounts?
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How is interest calculated on a CD?
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Can I add money to my CD after opening it?
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What are the benefits of an IRA over other retirement savings options?
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How long does the estate administration process take?
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What happens if someone passes away without a will?
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How are estate taxes and debts handled?
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How do you determine the best investment strategy for me?
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What types of assets will be included in my portfolio?
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How often do you review and adjust my investments?
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Mortgage Loans

Rates subject to change without notice

Owner Occupied

1 Year adjustable:
Up to 80% LTV — 7.50%

3 Year fixed convert to 1 year ARM:
Up to 80% LTV — 7.25%

5 Year fixed convert to 1 year ARM:
Up to 80% LTV — 7.00%

20 Year fixed:
Up to 80% LTV — 7.50%

Insured loans up to 97% available

 

Fixed Rate

Secondary Market:
15, 20, 30 Yr Fixed 
Rates change daily — see your loan officer
Insured loans up to 95% are available

Equity Plus

Up to 80% LTV — 7.50%

From 81% to 90%— 8.00%

From 91% to 100% — 9.25%

One Unit Rental

1 Year adjustable:
Up to 80% LTV — 8.00%

3 Year fixed to 1 year ARM:
Up to 80% LTV — 7.75%

5 Year fixed to 1 year ARM:
Up to 80% LTV — 7.50%

20 Year fixed:
Up to 80% LTV — 8.00%

Have questions about our rates?

Have questions about your checking account? Whether it’s about opening a new account, managing your current one, or resolving an issue, our team is here to provide the answers and support you need.

Get in touch!