Unbelievable Rates for Unforgettable Moments

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.

Mortgage loan options:

  • Fixed-Rate Mortgages
  • Adjustable Rate Mortgages


Effective as of 04/10/2021
Fixed Rate | Refinance / Purchase TypeTermRateAPR1
0% origination10 Year22.375%2.482%
0% origination15 Year2.750%2.827%
0% origination20 Year2.875%2.934%
0% origination30 Year3.125%3.165%
Effective as of 04/10/2021
Adjustable Rate Mortgages TypeTermRateAPR1
3 / 3 Year30 Year1.990%2.028%
5 / 5 Year30 Year2.250%2.288%
7 / 7 Year30 Year2.375%2.414%

1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact UKRFCU for more details. 2UKRFCU can finance Jumbo Mortgages (over $548.250.00) by adding 0.25% to the rate for the 10-year fixed rate mortgage only. Not applicable to advertised 15, 20, and 30 year fixed rate mortgages.

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Read more about UKRFCU’s Disclosures.


Financial Calculators

Calculate your future savings with UKRFCU’s financial calculators.


Yes! UKRFCU offer 100% financing for first-time home buyers. Please contact the Loan Department for more information.

Loan Payment Options:

  • Set up AutoPay with UKRFCU
  • Online and Mobile Banking Payment
  • In Person Payments
  • Pay by Mail