Mortgages Ι Auto Loans Ι Savings Ι Share Certificates (Certificates of Deposit)
Mortgages
| Fixed Rate | Refinance / Purchase |
| Type | Term | Rate | APR |
|---|---|---|---|
| Effective as of | 02/11/2019 | ||
| 0 points / 0% origination | 10 Year | 4.000% | 4.138% Apply Now |
| 0 points / 1% origination | 15 Year | 4.125% | 4.371% Apply Now |
| 0 points / 1% origination | 20 Year | 4.125% | 4.317% Apply Now |
| 0 points / 1% origination | 30 Year | 4.250% | 4.390% Apply Now |
APR = Annual Percentage Rate.
Representative Examples:
- 10 Year – A $200,000 mortgage for 10 years (120-month term) at 4.000% (4.138% APR) will result in a monthly payment of $2,024.91.
- 15 Year – A $200,000 mortgage for 15 years (180-month term), with 1% origination, at 4.125% (4.371% APR) will result in a monthly payment of $1,491.94.
- 20 Year – A $200,000 mortgage for 20 years (240-month term), with 1% origination, at 4.125% (4.317% APR) will result in a monthly payment of $1,225.18.
- 30 year – A $200,000 mortgage for 30 years (360-month term), with 1% origination, at 4.250% (4.390% APR) will result in a monthly payment of $983.77.
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.
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| Adjustable Rate Mortgages |
| Type | Term | Rate | APR | Term | Rate | APR |
|---|---|---|---|---|---|---|
| 3 / 3 Adjustable | 30 Year | 3.625% | 3.677% Apply Now | 15 Year | 3.625% | 3.720% |
| 5 / 5 and 63 month Adjustable Rate | 30 Year | 4.000% | 4.053% Apply Now | 15 Year | 4.000% | 4.096% |
| 7 / 7 Adjustable | 30 Year | 4.375% | 4.430% Apply Now | 15 Year | 4.375% | 4.471% |
APR = Annual Percentage Rate.
Representative Examples:
- 3 Year ARM – A $200,000 mortgage with 15 year amortization (360-month term) at 3.625% (3.720% APR) will result in a monthly payment of $1,442.08.
- 3 Year ARM – A $200,000 mortgage with 30 year amortization (360-month term) at 3.625% (3.677% APR) will result in a monthly payment of $912.11.
- 5 Year ARM – A $200,000 mortgage with 15 year amortization (360-month term) at 4.000% (4.096% APR) will result in a monthly payment of $1,497.38.
- 5 Year ARM – A $200,000 mortgage with 30 year amortization (360-month term) at 4.000% (4.053% APR) will result in a monthly payment of $954.84.
- 7 Year ARM – A $200,000 mortgage with 15 year amortization (360-month term) at 4.375% (4.471% APR) will result in a monthly payment of $1,517.25.
- 7 Year ARM – A $200,000 mortgage with 30 year amortization (360-month term) at 4.375% (4.430% APR) will result in a monthly payment of $998.58.
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 | 4.70% – 5.70% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year Balloon | 4.95% – 5.95% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year fixed | 4.00% – 5.00% | 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 | |
|---|---|---|---|
| Home Equity Line of Credit / HELOC | 10 yr Draw / 15 yr Repayment | Start Rate 5.50% |
Auto Loans**
| Type | Term (years) | APR | |
|---|---|---|---|
| New Car | 1 to 4 year | As low as | 2.79% Apply Now |
| New Car | 5 to 6 year | As low as | 3.39% Apply Now |
| New Car | 7 year | As low as | 4.19% Apply Now |
| Used Car (2016 – 2019) | 1 to 4 year | As low as | 2.99% Apply Now |
| Used Car (2016 – 2019) | 5 to 6 year | As low as | 3.39% Apply Now |
| Used Car (2016 – 2019) | 7 year | As low as | 4.19% Apply Now |
| Used Car (2012 – 2015) | 1 to 4 year | As low as | 3.74% Apply Now |
| Used Car (2012 – 2015) | 5 to 6 year | As low as | 4.39% Apply Now |
| Used Car (2004 – 2011) | 1 to 4 year | As low as | 5.04% Apply Now |
| Used Car (2004 – 2011) | 5 year | As low as | 6.14% Apply Now |
** Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment.
Personal Loan**
| Type | Term | Rate | |
|---|---|---|---|
| Personal Loan | 1 to 7 year | Rates as low as 4.49% APR* |
** Annual Percentage Rate (APR). Rates for this product are determined by an evaluation of applicant credit; not all applicants will qualify. Your rate may vary from the rate shown. Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. Offer is subject to change or withdrawn without notice.
All loan rates listed above are valid as of February, 11, 2019 and subject to change at any time. Applicable to Mortgages, Investment Residential Loans, HELOC, Auto, and Personal loans.
Savings, Checking, and Money Market (as of February 11, 2019)
| Type | Minimum Balance | Rate | 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 | 1.25% | 1.26% |
| Classic Money Market | Over $250,000 | 0.50% | 0.50% |
| Premium Money Market | $5,000 | 0.50% | 0.50% |
| Premium Money Market | Over $50,000 | 0.60% | 0.60% |
| Premium Money Market | Over $250,000 | 0.75% | 0.75% |
| Become a Member |
Share Certificate (Regular and IRA) Rates (as of February 11, 2019)
| Type | Rate | APY* | Early Withdrawal Penalty |
|---|---|---|---|
| 3 Month | 0.40% | 0.40% | 3 months interest |
| 5 Month | 0.65% | 0.65% | 3 months interest |
| 6 Month | 0.65% | 0.65% | 3 months interest |
| 7 Month | 1.75% | 1.77% | 3 months interest |
| 8 Month | 0.65% | 0.65% | 3 months interest |
| 9 Month | 0.70% | 0.70% | 6 months interest |
| 10 Month | 0.80% | 0.80% | 6 months interest |
| 12 Month | 1.00% | 1.01% | 6 months interest |
| 13 Month | 2.40% | 2.43% | 6 months interest |
| 17 Month | 2.60% | 2.63% | 6 months interest |
| 18 Month | 1.75% | 1.77% | 9 months interest |
| 24 Month** | 3.00% | 3.04% | 12 months interest |
| 36 Month** | 2.25% | 2.28% | 12 months interest |
| 60 Month** | 2.60% | 2.63% | 12 months interest |
| Jumbo Certificates | > $75.000 | add .25% | |
| Become a Member |
*Annual Percentage Yield (APY). **My Choice allows a one-time rate increase corresponding with current advertised 24-month, or 36-month. My Choice 60-month UKRFCU certificates allow a two-time rate increase. The new rate will remain in effect until the certificate maturity date.
$500 minimum balance required to open and earn APY. A penalty may be imposed for early withdrawals. All rates are subject to change without notice. Savings, Checking, Money Market account and Share Certificate rates accurate as of 02/11/2019.