Terms and Conditions: *ARM=Adjustable Rate Mortgage. Available for purchase, internal and external refinances on primary residences. Investment properties and vacation homes not eligible. Loan amount minimum is $100,000 to be eligible for Exclusive Closing Costs Special. Closing costs are inclusive of the mortgage application fee, appraisal fee, commitment fee, title service fees, and government recording fee. Borrower will be refunded. Qualified applicants must be members or sign-up for membership in the UKRFCU. New memberships are subject to UKRFCU membership terms and disclosures (see membership eligibility at www.ukrfcu.com or inquire at any UKRFCU location). This offer is non-transferable and cannot be combined with any other offer. Loans are subject to approval criteria, not all applicants will qualify. Offer is subject to change or withdrawn without notice. Offer is valid starting March 11, 2019. Federally insured by NCUA.