Rates and Fees

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

Mortgages
Fixed Rate | Refinance / Purchase
Type Term Rate APR
Effective as of 10/11/2018
0 points / 0% origination 10 Year 4.000% 4.138% Apply Now
0 points / 1% origination 15 Year 4.375% 4.623% Apply Now
0 points / 1% origination 20 Year 4.500% 4.695% Apply Now
0 points / 1% origination 30 Year 4.625% 4.768% 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 4.375% (4.623% APR) will result in a monthly payment of $1,517.25.
  • 20 Year – A $200,000 mortgage for 20 years (240-month term), with 1% origination, at 4.500% (4.695% APR) will result in a monthly payment of $1,265.30.
  • 30 year – A $200,000 mortgage for 30 years (360-month term), with 1% origination, at 4.625% (4.768% APR) will result in a monthly payment of $1,028.28.

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 5.25%

 

Auto Loans**
Type Term (years) APR
New Car 1 to 4 year As low as 2.49% Apply Now
New Car 5 to 6 year As low as 2.79% Apply Now
New Car 7 year As low as 3.39% Apply Now
       
Used Car (2015 – 2019) 1 to 4 year As low as 2.49% Apply Now
Used Car (2015 – 2019) 5 to 6 year As low as 2.79% Apply Now
Used Car (2015 – 2019) 7 year As low as 3.39% Apply Now
       
Used Car (2012 – 2014) 1 to 4 year As low as 3.29% Apply Now
Used Car (2012 – 2014) 5 to 6 year As low as 3.79% Apply Now
       
Used Car (2004 – 2011) 1 to 4 year As low as 4.29% Apply Now
Used Car (2004 – 2011) 5 year As low as 4.79% Apply Now

** Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment.

 

Personal Loan**
Type Term Rate
Personal Loan 1 to 5 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.

Savings, Checking, and Money Market (as of September 1, 2018)
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 0.40% 0.40%
Premium Money Market Over $50,000 0.45% 0.45%
Premium Money Market Over $250,000 0.50% 0.50%
 Become a Member

 

Share Certificate (Regular and IRA) Rates (as of September 1, 2018)
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 1.00% 1.01% 6 months interest
18 Month 1.75% 1.77% 9 months interest
24 Month** 2.60% 2.63% 12 months interest
36 Month** 2.25% 2.28% 12 months interest
60 Month** 2.37% 2.40% 12 months interest
Jumbo Certificates  > $75.000  add .25%
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*Annual Percentage Yield (APY).  **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.

$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 09/01/2018.