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Rates






Ubay strives to offer our members the best rates possible

Published rates are subject to change at any time without prior notice. Fees, if any, may reduce earnings. Other terms and conditions may apply.
Account Type Details
Savings, Checking Accounts & Club Rates Savings, checking, money manager rates along with youth and club accounts.
Term Savings Certificate & IRA Savings Certificate Interest Rates Savings certificates and IRAs.
Loan Type Details
Vehicle Loans New, used and refinanced cars, trucks and vans. Also classic cars and street legal motorcycles.
Recreational Vehicle Loans New, used and refinanced boats, motor homes, fifth wheel and travel trailers.
Sport & Recreational Vehicle Loans New, used and refinanced utility vehicles/trailers, truck/tent campers, snowmobiles, lawn tractors, off-road motorcycles, personal watercraft and all-terrain vehicle loans.
Visa Credit Cards  Ubay Visa® no annual fee credit card program.
Mortgages Fixed-rate and adjustable rate mortgages.
Home Equity Loans Use the value in your home.
Personal Loan Sometimes a little extra can go a long way.








*Experian/Fair Isaac Risk Model Credit Score, term of loan, vehicle value and loan amount are used to determine which rate you qualify for. Rates, terms and conditions vary based on credit score, qualifications and value. All loans are subject to approval. Rates are subject to change without notice.
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