Never too Soon to Start Investing

You can count on us for competitive rates and outstanding service – find a Commercial Real Estate Loan with UKRFCU. Commercial Loan Options, but not limited to:

Apartment buildings with 13 units and over, Office, and Retail buildings will be considered on case-by-case basis. To make an appointment to discuss your Commercial Loan, please contact us at 215-725-4430 to speak to a Loan Specialist.

Benefits of Borrowing with UKRFCU

  • Competitive interest rates
  • Loan terms up of 6- and 12-years
  • Amortization periods of 15 to 30 years
  • No Points / No Origination Fees
  • 60 Day Rate Lock
  • Local underwriting and loan servicing
  • No prepayment penalty for early payoffs
  • Quick loan decisions
  • No prepayment penalty


Effective as of 06/21/2019
Max LTVFixed TermLoan RateMax Amort.
75% Refi., Cashout or Purch.6 Year Balloon4.70% – 5.70% APR*30 years
75% Refi., Cashout or Purch.12 Year Balloon4.95% – 5.95% APR*30 years
75% Refi., Cashout or Purch.12 Year Fixed4.00% – 5.00% APR*12 years

*APR = Annual Percentage Rate. All rates are expressed “as low as”. All rates, programs, conditions and services are subject to change without notice. Loan available from $50,000 to $5,500,000 up to 75%  Loan to Value (LTV).

Whether this is your first time applying for a Commercial Real Estate Loan or you have experience, we’re here for you every step of the way through the commercial real estate lending process.


UKRFCU commercial loans have a minimum loan amount of $50K and a maximum loan amount up to $5.5M.

UKRFCU is able to lend up to 75% loan to value of the property.

DSCR is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations:

DSCR= Monthly Gross Income ÷ PITIA*

*PITIA: Principal, Interest, Insurance and Association Fees.

No prepayment penalty for early payoffs.