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 April 11, 2024

Fixed Rate | Refinance / Purchase TypeTermRateAPR1Monthly Payment
0% origination10 Year2As low as 6.750%As low as 6.866%$2,870.61
1.00% origination15 YearAs low as 6.875% As low as 7.120%$2,229.64
1.00% origination20 yearAs low as 6.750%As low as 6.946%$1,900.92
1.00% origination30 yearAs low as 6.625%As low as 6.773%$1,600.78

Adjustable Rates

Adjustable Rate Mortgages TypeTermRateAPR1Monthly Payment
3 / 3 Year – 0% origination fee30 YearAs low as 5.375%As low as 5.421%$1,399.93
5 / 5 Year – 0% origination fee30 YearAs low as 5.625%As low as 5.672%$1,439.15
7 / 7 Year – 0% origination fee30 YearAs low as 5.875%As low as 5.923%$1,478.85

1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact UKRFCU for more details. 2UKRFCU can finance Jumbo Mortgages (over $726,200) by adding 0.25% to the rate for the 10-year fixed rate mortgage only. Not applicable to advertised 20, and 30 year fixed rate mortgages. Visit the www.ukrfcu.com/rates webpage to see representative examples.

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Read more about UKRFCU’s Disclosures.


Financial Calculators

Calculate your future savings with UKRFCU’s financial calculators.


Loan Payment Options:

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