Rates and Fees

30yr_Feb092016

Mortgages Ι Auto Loans Ι Savings Ι Share Certificates (Certificates of Deposit)

Mortgages
Fixed Rate | Refinance / Purchase
Type Term Rate APR
Effective as of 02/09/2016 9:00am
0 points / 0% origination 10 Year 2.990% 3.024% Apply Now
0 points / 0% origination 15 Year 3.125% 3.182% Apply Now
0 points / 0% origination 20 Year 3.375% 3.419% Apply Now
0 points / 0% origination 30 Year 3.875% 3.907% Apply Now

APR = Annual Percentage Rate.

Representative Examples:

  • 10 Year – A $200,000 mortgage for 10 years (120-month term) at 2.990% (3.024% APR) will result in a monthly payment of $1,930.30.

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 or inquire at any UKRFCU location). Loans are subject to approval criteria, not all applicants will qualify. All rates are subject to change without notice.

Click here for a Mortgage Calculator

Adjustable Rate Mortgages
Type Term Rate APR
3 / 3 Adjustable Rate 15 Year 2.750% 2.773% Apply Now
5 / 5 and 63 month Adjustable Rate 15 Year 3.000% 3.047% Apply Now
7 / 7 Adjustable Rate 15 Year 3.350% 3.373% Apply Now
3 / 3 Adjustable 30 Year 2.750% 2.762% Apply Now
5 / 5 and 63 month Adjustable Rate 30 Year 3.000% 3.025% Apply Now
7 / 7 Adjustable 30 Year 3.350% 3.362% Apply Now

APR = Annual Percentage Rate.

APR’s listed above for UKRFCU Fixed Rate and Adjustable Rate Mortgages are calculated  for a $200,000 mortgage. APR will vary depending on the loan amount.

Investment Residential Loans (Member Business Loans)
Max LTV Fixed Term Loan Rate Max Amort.
75% Refi., Cashout or Purch. 6 Year Balloon 4.45% – 5.45% 30 years
75% Refi., Cashout or Purch. 12 Year Balloon 4.70% – 5.70% 30 years
75% Refi., Cashout or Purch. 12 Year fixed 3.75% – 4.75% 12 years

The above loan products are available for multi family residential apartment buildings and mixed use investment 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 3.50% 3.50% Apply Now
Home Equity 10 Year 4.00% 4.00% Apply Now
Home Equity 15 Year 4.75% 4.75% Apply Now
Home Equity Line of Credit / HELOC 10 yr Draw / 15 yr Repayment Start Rate 3.50%

 

Auto Loans

 

Type Term (years) APR
New Car 1 to 5 year As low as 1.99% Apply Now
New Car 6 year As low as 2.25% Apply Now
 xx  xx  xx  xx
Used Car (Less than 4 year old auto) 1 to 5 year As low as 1.99% Apply Now
Used Car (Less than 4 year old auto) 6 year As low as  2.25% Apply Now
   xx  
Used Car (Greater than 5 year old auto) 1 to 5 year As low as  2.25% Apply Now
Used Car (Greater than 5 year old auto) 6 year As low as  2.99% Apply Now

 

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 0.50% 0.50%
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 0.50% 0.50%
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Share Certificate (Regular and IRA) Rates (CD)
Type Rate 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 1.00% 1.00% 6 months interest
12 Month 0.70% 0.70% 6 months interest
13 Month 0.50% 0.50% 6 months interest
15 Month IRA Special ** 1.50% 1.51% 6 months interest
17 Month 1.00% 1.00% 6 months interest
18 Month 0.90% 0.90% 9 months interest
24 Month*** 1.24% 1.25% 12 months interest
36 Month*** 1.58% 1.60% 12 months interest
60 Month*** 2.47% 2.50% 12 months interest
Jumbo CD’s  >$75.000  add .05%
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*Annual Percentage Yield (APY). **15 Month IRA Special is valid from February 1, 2016 – April 16, 2016. ***My Choice –  $500 minimum balance required to open a Share and IRA Certificates and to earn stated rate. My Choice allows a one-time rate increase corresponding with current advertised 24-month, or 36-month, or 60-month UKRFCU certificates. The new rate will remain in effect until the certificate maturity date. A penalty may be imposed for early withdrawals. All rates are subject to change without notice. Share Certificate rates accurate as of 02/01/2016.