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
All rates listed on this page are valid as of March 10, 2025
| Fixed Rate | Refinance / Purchase Type | Term | Rate | APR1 | Monthly Payment |
|---|---|---|---|---|
| 0% origination | 10 Year2 | As low as 6.750% | As low as 6.866% | $2,870.61 |
| 1.00% origination | 15 Year | As low as 6.000% | As low as 6.239% | $2.109.65 |
| 1.00% origination | 20 year | As low as 6.000% | As low as 6.190% | $1,791.08 |
| 1.00% origination +2.00points | 30 year | As low as 5.625% | As low as 5.954% | $1,439.15 |
1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact UKRFCU for more details. 2UKRFCU can finance Jumbo Mortgages (over $806,500). Not applicable to advertised 15, 20, and 30-year fixed-rate mortgages. Visit the www.ukrfcu.com/rates webpage to see representative examples.
*Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply.
Example based on a $250,000 loan.
These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Adjustable Rates
| Adjustable Rate Mortgages Type | Term | Rate | APR1 | Monthly Payment |
|---|---|---|---|---|
| 3 / 3 Year – 0% origination fee | 30 Year2 | As low as 6.000% | As low as 6.048% | $1,498.88 |
| 5 / 5 Year – 0% origination fee | 30 Year2 | As low as 6.500% | As low as 6.549% | $1,580.18 |
| 7 / 7 Year – 0% origination fee | 30 Year2 | As low as 6.500% | As low as 6.549% | $1,580.18 |
1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact UKRFCU for more details. 2UKRFCU can finance Jumbo Mortgages (over $806,500). Not applicable to advertised 15, 20, and 30-year fixed-rate mortgages. Visit the www.ukrfcu.com/rates webpage to see representative examples.
*Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply.
Example based on a $250,000 loan.
These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Disclosures
Read more about UKRFCU’s Disclosures.
Financial Calculators
Calculate your future savings with UKRFCU’s financial calculators.
Questions?
Loan Payment Options:
- Set up AutoPay with UKRFCU
- Online and Mobile Banking Payment
- In Person Payments
- Pay by Mail
No, UKRFCU will not charge any prepayment penalties.