Life’s most precious memories can be made in your first new home. UKRFCU knows how high of importance finding the perfect home is for our members. We offer our members lower loan rates, less fees, and a knowledgeable staff that can make the home buying and refinancing process easier and stress free.

Commercial Loans

UKRFCU provides financing for the purchase or refinances of properties in Eastern Pennsylvania, New Jersey, Delaware, Maryland, Southern New York, and Washington D.C. Your success is our top priority! You can count on us for competitive rates and outstanding service – find a Commercial Real Estate Loan with UKRFCU. We finance 1-4 residential units, 1-12 unit apartment buildings, retail space, office spaces, and mixed-use properties.

Home Equity Options

Tap into your home’s equity for home improvements, college tuition, debt consolidation, medical bills, and for other unexpected events in life.

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Read more about UKRFCU’s Disclosures.


Financial Calculators

Use our Auto Calculators to see what would work best for you.


Yes! UKRFCU offers 100% financing for first-time homebuyers. Please contact the Loan Department for more information.

UKRFCU commercial loans have a minimum loan amount of $50K and a maximum loan amount up to $5.5M.

A home equity loan involves borrowing a fixed amount of money at one time. With home equity loans, you can generally borrow up to 90 percent of the current appraised value of your home, minus your outstanding mortgage balance. Home equity loans often come with a fixed interest rate and term, and your monthly payments include principal and interest.

With a home equity line of credit (HELOC), you can establish a line of credit against the equity in your home and draw on the money as you need it. The initial amount you can borrow is set by the lender, but you can typically borrow up to 90 percent of the current appraised value of your home, minus your outstanding mortgage balance. HELOCs almost always carry a variable interest rate. You only have to pay interest on the amount outstanding. Keep in mind, though, that the total amount withdrawn will have to be repaid or refinanced at the end of the term.