30 year fixed
Mortgages

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Fixed Rate | Refinance / Purchase
Type Term Rate APR
Effective as of 03/11/2014 1:00pm
0 points / 1% origination 15 Year 3.50% 3.705%
0 points / 0% origination 15 Year 3.75% 3.808%
0 points / 1% origination 20 Year 4.000% 4.162%
0 points / 0% origination 20 Year 4.250% 4.296%
0 points / 3% origination 30 Year 4.000% 4.288%
0 points / 1% origination 30 Year 4.375% 4.494%
0 points / 0% origination 30 Year 4.500% 4.533%

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Fixed Rate | Portfolio / Rate modification
Type Term Rate APR
Portfolio / Rate Modification 10 Year 3.250% 3.281%
Portfolio / Rate Modification 15 Year 4.500% 4.522%
Portfolio / Rate Modification 20 Year 4.750% 4.767%
Portfolio / Rate Modification 25 Year 4.875% 4.890%
Portfolio / Rate Modification 30 Year 5.000% 5.013%

Adjustable Rate
Type Term Rate APR
3 / 3 Adjustable Rate 15 Year 2.950% 2.971%
5 / 5 Adjustable Rate 15 Year 3.250% 3.271%
7 / 7 Adjustable Rate 15 Year 3.500% 3.521%
3 / 3 Adjustable 30 Year 2.950% 2.961%
5 / 5 Adjustable 30 Year 3.250% 3.261%
7 / 7 Adjustable 30 Year 3.500% 3.512%

Investment Residential Loans (Member Business Loans)
Max LTV Fixed Term Loan Rate Max Amort.
70% Refi., Cashout or Purch. 6 Year Balloon 4.45% - 5.45% 30 years
70% Refi., Cashout or Purch. 12 Year Balloon 4.70% - 5.70% 30 years
70% Refi., Cashout or Purch. 12 Year fixed 3.75% - 4.75% 12 years

The above loan products are available for 1 - 4 family unit non-owner occupied investment residential properties. Member Business Loans are risk rated. The final interest rate on your loan will be based on your credit history, the loan to value, collateral and other risk components associated with the loan. You may contact Christina Hewko (christinah@ukrfcu.com) to learn more about the member business loan products we offer.


Home Equity

Type Term Rate APR
Home Equity 5 Year 4.50% 4.50%
Home Equity 10 Year 4.75% 4.75%
Home Equity 15 Year 4.95% 4.95%
Home Equity Line of Credit / HELOC 7 yr Draw / 10 yr Repayment Start Rate 3.25%
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Auto Loans


Type Term APR
New Car / 10% Down 3 Year Financing 2.75% w/auto pmt deduction 3.25%
New Car / 10% Down 4 and 5 Year financing 2.75% w/auto pmt deduction 3.25%
New Car / 10% Down 6 Year Financing 3.25% w/auto pmt deduction 3.750%
Used Car / 20% Down 4 Year Financing 3.50% w/auto pmt deduction 4.00%


Savings, Checking, and Money Market

Type Minimum Balance APR APY
Share Draft (Checking) $0.00 0.05% 0.05%
Passbook (Savings) $50.00 0.35% 0.35%
IRA Savings $50.00 0.60% 0.60%
Classic Money Market $1,000 0.35% 0.35%
Premium Money Market $5,000 0.40% 0.40%
Premium Money Market Over $50,000 0.45% 0.45%
Premium Money Market Over $250,000 0.60% 0.60%


Share Certificate (Regular and IRA) Rates (CD)


Type APR APY Early Withdrawal Penalty
3 Month 0.50% 0.50% 3 months interest
5 Month 0.50% 0.50% 3 months interest
6 Month*** 0.50% 0.50% 3 months interest
7 Month 0.50% 0.50% 3 months interest
8 Month 0.50% 0.50% 3 months interest
9 Month 0.50% 0.50% 6 months interest
10 Month 0.50% 0.50% 6 months interest
12 Month*** 0.70% 0.70% 6 months interest
13 Month 0.50% 0.50% 6 months interest
17 Month 0.50% 0.50% 6 months interest
18 Month*** 0.90% 0.90% 9 months interest
24 Month 1.10% 1.10% 12 months interest
36 Month 1.40% 1.40% 12 months interest
60 Month 2.08% 2.10% 12 months interest
Jumbo CD's >$75.000 add .05%