Unbelievable Rates for Unforgettable Moments

Life’s most precious memories can be made in your first new home. UKRFCU knows how high of importance finding the perfect home is for our members. We offer our members lower loan rates, less fees, and a knowledgeable staff that can make the home buying and refinancing process easier and stress free.

Mortgage loan options:

  • Fixed-Rate Mortgages
  • Adjustable Rate Mortgages


Fixed Rate | Refinance / Purchase TypeTermRateAPR
1% origination10 Year3.750%4.103%
1% origination15 Year3.875%4.120%
1% origination20 Year3.875%4.065%
1% origination30 Year4.000%4.138%

*APR = Annual Percentage Rate. Effective as of 04/25/19.

Adjustable Rate Mortgages TypeTermRateAPR*
3 / 3 Adjustable (w/ 1% origination)15 Year3.500%3.742%
3 / 3 Adjustable (w/ 1% origination)30 Year3.500%3.634%
5 / 5 and 63 month (w/ 1% origination)15 Year3.750%3.994%
5 / 5 and 63 month (w/ 1% origination) 30 Year3.750%3.886%
7 / 7 Year (w/ 1% origination)15 Year4.000%4.246%
7 / 7 Year (w/ 1% origination)30 Year4.000%4.138%

*APR = Annual Percentage Rate. Effective as of 04/25/19.

Limited Time Offer: Exclusive Closing Costs Special

Save $1,000 or up to all closing costs with a UKRFCU mortgage.
Loan AmmountClosing Costs
$100,000 – $199,999UKRFCU Pays: $1,000 Borrower Pays: Balance
$200,000 – $249,999UKRFCU Pays: $2,000 Borrower Pays: Balance
$250,000 & upUKRFCU Pays: 100% Borrower Pays: 0

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 Offer is subject to change or withdrawn without notice.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. 

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Read more about UKRFCU’s Disclosures.


Financial Calculators

Calculate your future savings with UKRFCU’s financial calculators.


Yes! UKRFCU offer 100% financing for first-time home buyers. Please contact the Loan Department for more information.

Loan Payment Options:

  • Set up AutoPay with UKRFCU
  • Online and Mobile Banking Payment
  • In Person Payments
  • Pay by Mail