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

Fixed Rates

Effective as of 10/25/2021
Fixed Rate | Refinance / Purchase TypeTermRateAPR1
0% origination10 Year2As low as 2.375%As low as 2.482%
1% origination15 YearAs low as 2.500%As low as 2.573%
1% origination20 YearAs low as 2.750%As low as 2.807%
1% origination30 YearAs low as 2.875%As low as 2.915%

Adjustable Rates

Effective as of 10/25/2021
Adjustable Rate Mortgages TypeTermRateAPR1
3 / 3 Year – 0% origination fee30 YearAs low as 1.990%As low as 2.028%
5 / 5 Year – 0% origination fee30 YearAs low as 2.250%As low as 2.288%
7 / 7 Year – 0% origination fee30 YearAs low as 2.375%As low as 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. Visit the www.ukrfcu.com/rates webpage to see representative examples.

Limited Time Offer: Exclusive Closing Costs Special

Put more towards your down payment when you save on closing costs with UKRFCU! Available for new home purchases or when you refinance your existing mortgage! Promotion qualifies for Fixed Rate and Adjustable Rate Mortgages. Schedule a free consultation with a UKRFCU Loan Originator or call now to learn how you can save a minimum of $1,000!

Available for purchase, internal and external refinances on primary residences. Investment properties and vacation homes not eligible. The loan amount minimum is $150,000 to be eligible for No Closing Costs advertised special. Closing costs include: mortgage application fee, appraisal fee, commitment fee, title service fees, and government recording fee. Any additional fees are the responsibility of the borrower. Borrower will be refunded. Qualified applicants must be members or qualify for membership in the UKRFCU. New memberships are subject to UKRFCU membership terms and disclosures (see membership eligibility at www.ukrfcu.com or inquire at any UKRFCU location). This offer is non-transferable and cannot be combined with any other offer. Loans are subject to approval criteria, not all applicants will qualify. Offer is subject to change or withdrawal without notice. The offer is valid starting May 1, 2021.

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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