Mortgages

Effective as of 04/01/2019
Fixed Rate | Refinance / Purchase TypeTermRateAPR
1% origination10 Year3.500%3.744%
1% origination15 Year3.750%3.919%
1% origination20 Year3.875%4.007%
1% origination30 Year4.000%4.095%

*APR = Annual Percentage Rate

  • 10 Year – A $200,000 mortgage for 10 years (120-month term) at 3.500% (3.744% APR) will result in a monthly payment of $1,977.72.
  • 15 Year – A $200,000 mortgage for 15 years (180-month term) at 3.750% (3.919% APR) will result in a monthly payment of $1,454.45.
  • 20 Year – A $200,000 mortgage for 20 years (240-month term) at 3.875% (4.007% APR) will result in a monthly payment of $1,198.83.
  • 30 year – A $200,000 mortgage for 30 years (360-month term) at 4.000% (4.095% APR) will result in a monthly payment of $954.84.

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.

Adjustable Rate Mortgages TypeTermRateAPR*
3 / 3 Adjustable (with 1% origination)15 Year3.500%3.668%
3 / 3 Adjustable (with 1% origination)30 Year3.500%3.593%
5 / 5 and 63 month (with 1% origination)15 Year3.750%3.919%
5 / 5 and 63 month (with 1% origination) 30 Year3.750%3.844%
7 / 7 Year (with 1% origination)15 Year4.000%4.170%
7 / 7 Year (with 1% origination)30 Year4.000%4.095%

*APR = Annual Percentage Rate

  • 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 for 30 years (360-month term) at 3.500% (3.593% APR) will result in a monthly payment of $898.09.
  • 5 Year ARM – A $200,000 mortgage for 15 years (180-month term) at 3.750% (3.919% APR) will result in a  monthly payment of $1,454.45.
  • 5 Year ARM – A $200,000 mortgage for 30 years (360-month term) at 3.750% (3.844% APR) will result in a monthly payment of $926.24.
  • 7 Year ARM – A $200,000 mortgage for 30 years (360-month term) at 4.000% (4.170% APR) will result in a monthly payment of $1,479.38.
  • 7 Year ARM – A $200,000 mortgage for 30 years (360-month term) at 4.000% (4.095% APR) will result in a monthly payment of $954.84.

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.

Commercial Loans

Effective as of 04/01/2019
Max LTVFixed TermLoan RateMax Amort.
75% Refi., Cashout or Purch.6 Year Balloon4.70% – 5.70%30 years
75% Refi., Cashout or Purch.12 Year Balloon4.95% – 5.95%30 years
75% Refi., Cashout or Purch.12 Year Fixed4.00% – 5.00%12 years

The above loan products are available for multi family residential apartment buildings and mixed use investment properties. Commercial 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

Effective as of 04/01/2019
TypeTermRate
Home Equity Line of Credit / HELOC10 yr Draw / 15 yr RepaymentStart Rate 5.50%

Auto Loans

Effective as of 04/01/2019
TypeTermRate
New Car1 to 4 yearAs low as 3.09%
New Car5 – 6 yearAs low as 3.49%
New Car7 yearAs low as 4.34%
Used Car (2016 – 2019)1 – 4 yearAs low as 3.09%
Used Car (2016 – 2019)5 – 6 yearAs low as 3.49%
Used Car (2016 – 2019)7 yearAs low as 4.34%
Used Car (2012 – 2015)1 – 4 yearAs low as 3.99%
Used Car (2012 – 2015)5 – 6 yearAs low as 4.39%
Used Car (2004 – 2011)1 – 4 yearAs low as 5.04%
Used Car (2004 – 2011)5 yearAs low as 6.14%

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

Personal Loans

Effective as of 04/01/2019
TypeTermRate
Personal Loan1 to 7 yearsRates 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.

Prime Share, Share Draft, and Money Market

Effective as of 04/01/2019
TypeMinimum BalanceRateAPY
Share Draft (Checking) $0.00 0.05%0.05%
Prime Share (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$5,0000.50%0.50%
Premium Money MarketOver $50,000 0.60% 0.60%
Premium Money MarketOver $250,0000.75%0.75%

Share Certificate Rates

Effective as of 04/01/2019
TypeTermRateEarly Withdrawal Penalty
3 Month0.40%0.40%3 months interest
5 Month0.65%0.65%3 months interest
6 Month0.65%0.65%3 months interest
7 Month1.70%1.72%3 months interest
8 Month0.65%0.65%3 months interest
9 Month0.70%0.70%6 months interest
10 Month0.80%0.80%6 months interest
12 Month1.00%1.01%6 months interest
13 Month2.30%2.33%6 months interest
17 Month2.60%2.63%6 months interest
18 Month1.75%1.77%9 months interest
24 Months**2.80%2.83%12 months interest
36 Month**2.25%2.28%12 months interest
60 Month**2.60%2.63%12 months interest
Jumbo Certificates> $75,000add .25%

*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.

Happy Easter & Happy Passover to those who celebrate. UKRFCU is operating under normal hours of operation.