Never too Soon to Start Investing

You can count on us for competitive rates and outstanding service – find a Commercial Real Estate Loan with UKRFCU. Commercial Loan Options, but not limited to:

Apartment buildings with 13 units and over, Office, and Retail buildings will be considered on case-by-case basis. To make an appointment to discuss your Commercial Loan, please contact us at 215-725-4430 to speak to a Loan Specialist.

Benefits of Borrowing with UKRFCU

  • Competitive interest rates
  • Loan terms up of 6 and 12 years
  • Amortization periods of 15 to 30 years
  • No Points / No Origination Fees
  • 60 Day Rate Lock
  • Local underwriting and loan servicing
  • No prepayment penalty for early payoffs
  • Quick loan decisions


Effective as of 07/10/2020
Max LTVFixed TermLoan RateMax Amort.
75% Refi., Cashout or Purch.6 Year Balloon3.45% – 4.75%30 years
75% Refi., Cashout or Purch.12 Year Balloon3.75% – 5.20%30 years
75% Refi., Cashout or Purch.12 Year Fixed3.75% – 4.75%12 years

All rates, programs, conditions and services are subject to change without notice. Loan available from $50,000 to $5,500,000 up to 75%  Loan to Value (LTV). Rates are subject to change without notice.

Whether this is your first time applying for a Commercial Real Estate Loan or you have experience, we’re here for you every step of the way through the commercial real estate lending process.


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

UKRFCU is able to lend up to 75% loan to value of the property.

DSCR is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations:

DSCR= Monthly Gross Income ÷ PITIA*

*PITIA: Principal, Interest, Insurance and Association Fees.

No prepayment penalty for early payoffs.

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