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APR = Annual Percentage Rate. Representative example: A $200,000 mortgage for 30 years (360-month term) at 3.875% (3.928% APR) will result in a monthly payment of $940.48 (principal and interest). Taxes and insurance not included, therefore the actual payment obligation will be greater. 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. Offer valid December 9, 2016. All rates and offers are subject to change or withdrawn without notice.






Member 2 Member Disclosure

NEW/REFERRED MEMBERS: All new memberships are subject to UKRFCU membership terms and disclosures (see membership eligibility at www.ukrfcu.com or inquire at any UKRFCU location). Your account must remain open and in good standing for 60 days before the $25 M2M Referral Bonus is deposited into your account.

CURRENT/REFERRING MEMBERS: The $25 M2M Referral Bonus will be deposited into your account when the New/Referred Member meets the requirements listed in the “New/Referred Members” section of this disclosure.

GENERAL – A M2M referral coupon must be submitted at the time the new member applies for membership. A member is considered a “Qualified Referring Member” if he or she is a UKRFCU member in good standing. Family members of current UKRFCU members qualify. Joining members must present two forms of government issued I.D. (one must be U.S. government issued photo I.D.). The $25 M2M Referral Bonus will be deposited into the prime share account when qualifications are met. The $25 M2M Referral Bonus is unlimited during offer period (*see below). Former members qualify as a new member provided their previous account was closed six months prior to the date of reopen. A minimum of $50 into a prime share account and a $5 membership fee are required to open a UKRFCU account and must remain in the account at all times. Members receiving the $25 M2M Referral Bonus will be sent an IRS Form 1099 and may be responsible for paying taxes on the incentives. The UKRFCU Board of Directors and Employees are not eligible for the $25 M2M Referral Bonus.

*Offer valid January 1, 2016 – December 31, 2016.