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Fixed Rate Mortgages

Please call us at (215) 725-4430 to discuss other term options.

All rates listed on this page are valid as of 05/19/2022 are subject to change without notice.
Fixed Rate | Refinance / Purchase TypeTermRateAPR1
0% origination10 Year2As low as 3.750%As low as 3.860%
0% origination15 YearAs low as 5.250%As low as 5.329%
1.00% origination20 YearAs low as 5.250%As low as 5.435%
1.00% origination30 yearAs low as 5.375%As low as 5.513%

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.

10 Year – A $250,000 mortgage for 10 years (120-month term) at 3.750% (3.860% APR) will result in a monthly payment of $2,501.54.
15 Year – A $250,000 mortgage for 15 years (180-month term) at 5.250% (5.329% APR) will result in a monthly payment of $2,009.70.
20 Year – A $250,000 mortgage for 20 years (240-month term) at 5.250% (5.435% APR) will result in a monthly payment of $1,684.61.
30 Year – A $250,000 mortgage for 30 years (360-month term) at 5.375% (5.513% APR) will result in a monthly payment of $1,399.93.

APR’s listed above for UKRFCU Fixed Rate Mortgages are calculated for a $250,000 mortgage. APR will vary depending on the loan amount.

Adjustable Rate Mortgages

Adjustable Rate Mortgages TypeTermRateAPR1
3 / 3 Year – 0% origination30 YearAs low as 3.375%As low as 3.792%
5 / 5 Year – 0% origination30 YearAs low as 3.625%As low as 3.667%
7 / 7 Year – 0% origination30 YearAs low as 3.875%As low as 3.917%

1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact UKRFCU for more details. All Jumbo Mortgages (over $548,250.00) add 0.25% to rate.

3 Year ARM – A $250,000 mortgage for 30 years (360-month term) at 3.375% (3.792% APR) will result in a monthly payment of $1,157.79.
5 Year ARM – A $250,000 mortgage for 30 years (360-month term) at 3.625% (3.667% APR) will result in a monthly payment of $1,140.13.
7 Year ARM – A $250,000 mortgage for 30 years (360-month term) at 3.875% (3.917% APR) will result in a monthly payment of $1,175.60.

APR’s listed above for UKRFCU Adjustable Rate Mortgages are calculated for a $250,000 mortgage. APR will vary depending on the loan amount.

Commercial Loans

Max LTVFixed TermLoan RateMax Amort.
75% Refi., Cashout or Purch.6 Year Balloonfrom 3.950% 30 years
75% Refi., Cashout or Purch.12 Year Balloonfrom 4.450% 30 years
75% Refi., Cashout or Purch.12 Year Fixedfrom 3.500% 12 years

The above loan products are available for non owner occupied 1-4 family houses and condominiums, multi family residential apartment buildings and mixed use investment properties. Commercial Loans are risk rated. The final interest rate on your loan will be based on your credit history, the loan to value, collateral and other risk components associated with the loan. To make an appointment to discuss your Commercial Loan, please contact us at 215-725-4430 to speak to a Loan Specialist.

Home Equity Options

TypeTermsRate
Home Equity Loan5, 10, 15 yearsAs low as 3.99%
Home Equity Line of Credit / HELOC10-year draw, 15-year repay periodAs low as 3.25%
Home Equity Line of Credit / HELOC – Interest Only 10-year draw, 15-year repay periodAs low as 3.25%

Auto Loans

New
Finance up to 120% of the vehicle value3

TermsAPR1
Up to 48 MonthsAs low as 2.49%
49 to 66 MonthsAs low as 2.49%
67 to 75 MonthsAs low as 2.89%
76 to 84 MonthsAs low as 3.49%

2018-2022
Finance up to 115% of the vehicle value3

TermsAPR1
Up to 48 MonthsAs low as 2.49%
49 to 66 MonthsAs low as 2.49%
67 to 75 MonthsAs low as 2.89%
76 to 84 MonthsAs low as 3.49%

2015-2017
Finance up to 110% of the vehicle value3

TermsAPR1
Up to 48 MonthsAs low as 3.09%
49 to 66 MonthsAs low as 3.49%
67 to 75 MonthsAs low as 4.09%

2006-2014
Finance up to 105% of the vehicle value3

TermsAPR1
Up to 48 MonthsAs low as 5.14%
49 to 63 MonthsAs low as 6.24%

1APR = Annual Percentage Rate. Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Refinance transactions may be subject to a rate adjustment. Your rate can be higher depending on credit performance. Rate is subject to change without notice. Other conditions may apply. UKRFCU offers auto loans for new and used cars. All rates are subject to change without notice. 2Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. 3 Value is based on Kelley Blue Book or NADA clean retail value. The actual amount financed can vary based on creditworthiness and age of the vehicle. Cash-Out on Title loans are financed up to 80% of the vehicle value.

 

Personal Loans

TypeTermRate
Personal Loan1 to 5 yearsRates as low as 5.24% APR1

1APR = Annual Percentage Rate. Rates for this product are determined by an evaluation of applicant credit; not all applicants will qualify. Your rate may vary from the rate shown. Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. Rates are subject to change without notice.

Prime Share, Share Draft, and Money Market

TypeMinimum BalanceRateAPY1
Share Draft (Checking) $0.00 0.05%0.05%
Prime Share (Savings) $50.00 0.10%0.10%
IRA Savings $50.00 0.20%0.20%
Classic Money Market $1,000 0.20% 0.20%
Premium Money Market$5,0000.20%0.20%
Premium Money MarketOver $50,000 0.25%0.25%
Premium Money MarketOver $250,0000.35%0.35%

1APY = Annual Percentage Yield. Rates are subject to change without notice.

Share Certificate Rates

TypeRateAPY1Early Withdrawal Penalty
3 Month0.20%0.20%3 months interest
5 Month0.25%0.25%3 months interest
6 Month0.25%0.25%3 months interest
7 Month0.70%0.70%3 months interest
8 Month0.30%0.30%3 months interest
9 Month0.30%0.30%6 months interest
10 Month0.30%0.30%6 months interest
12 Month0.50%0.50%6 months interest
13 Month1.70%1.71%6 months interest
17 Month0.50%0.50%6 months interest
18 Month0.70%0.70%9 months interest
24 Month “My Choice20.70%0.70%12 months interest
36 Month “My Choice21.70%1.71%12 months interest
60 Month “My Choice21.00%1.01%12 months interest
Jumbo Certificates> $75,000add .10%

1APY=Annual Percentage Yield. 2My Choice allows a one-time rate increase corresponding with the current advertised 24-month or 36-month share certificates. My Choice 60-month share certificates qualify for two increases. The new rate will remain in effect until the certificate maturity date.

*All rates listed on this page are valid as of 05/19/2022 are subject to change without notice.