Mortgages
| Adjustable Rate Mortgages Type | Term | Rate | APR1 |
|---|---|---|---|
| 3 / 3 Adjustable | 30 Year | 2.500% | 2.549% |
| 5 / 5 and 63 month | 30 Year | 2.750% | 2.800% |
| 7 / 7 Year | 30 Year | 3.500% | 3.552% |
1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact UKRFCU for more details. All Jumbo Mortgages (over $510,400) add 0.25% to rate.
- 3 Year ARM – A $200,000 mortgage for 30 years (360-month term) at 2.500% (2.549% APR) will result in a monthly payment of $790.25.
- 5 Year ARM – A $200,000 mortgage for 30 years (360-month term) at 2.750% (2.800% APR) will result in a monthly payment of $816.49.
- 7 Year ARM – A $200,000 mortgage for 30 years (360-month term) at 3.500% (3.552% APR) will result in a monthly payment of $897.66.
APR’s listed above for UKRFCU Fixed Rate and Adjustable Rate Mortgages are calculated for a $200,000 mortgage. APR will vary depending on the loan amount.
Commercial Loans
| Max LTV | Fixed Term | Loan Rate | Max Amort. |
|---|---|---|---|
| 75% Refi., Cashout or Purch. | 6 Year Balloon | 3.45% – 4.75% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year Balloon | 3.75% – 5.20% | 30 years |
| 75% Refi., Cashout or Purch. | 12 Year Fixed | 3.75% – 4.75% | 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
| Type | Terms | Rate |
|---|---|---|
| Home Equity Loan | 5, 10, 15 years | As low as 3.99% |
| Home Equity Line of Credit / HELOC | 10-year draw, 15-year repay period | As low as 2.50% |
| Home Equity Line of Credit / HELOC – Interest Only | 10-year draw, 15-year repay period | As low as 2.50% |
Auto Loans
| Type | LTV3 | Terms | APR1 |
|---|---|---|---|
| New Car2 | 115% | Up to 84 Months | As low as 2.49% |
| Used Car (2016 – 2020)2 | 115% | Up to 84 Months | As low as 2.49% |
| Used Car (2012 – 2015)2 | 105% | Up to 72 Months | As low as 3.99% |
| Used Car (2004 – 2011)2 | 105% | Up to 60 Months | As low as 5.04% |
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. Your rate can be higher depending on credit performance. Financing up to the retail value of the auto is available. 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. 3LTV is based on Kelley Blue Book or NADA clean retail value. Advertised LTV can vary based on creditworthiness and age of vehicle. Cash-Out on Title loans have a maximum LTV of 80%.
Personal Loans
| Type | Term | Rate |
|---|---|---|
| Personal Loan | 1 to 5 years | Rates as low as 5.49% 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
| Type | Minimum Balance | Rate | APY1 |
|---|---|---|---|
| Share Draft (Checking) | $0.00 | 0.05% | 0.05% |
| Prime Share (Savings) | $50.00 | 0.20% | 0.20% |
| IRA Savings | $50.00 | 0.50% | 0.50% |
| Classic Money Market | $1,000 | 0.50% | 0.50% |
| Premium Money Market | $5,000 | 0.60% | 0.60% |
| Premium Money Market | Over $50,000 | 0.75% | 0.75% |
| Premium Money Market | Over $250,000 | 1.00% | 1.01% |
1APY = Annual Percentage Yield. Rates are subject to change without notice.
Share Certificate Rates
| Type | Rate | APY1 | Early Withdrawal Penalty |
|---|---|---|---|
| 3 Month | 0.35% | 0.35% | 3 months interest |
| 5 Month | 0.40% | 0.40% | 3 months interest |
| 6 Month | 0.50% | 0.50% | 3 months interest |
| 7 Month | 0.50% | 0.50% | 3 months interest |
| 8 Month | 0.60% | 0.60% | 3 months interest |
| 9 Month | 0.60% | 0.60% | 6 months interest |
| 10 Month | 0.70% | 0.70% | 6 months interest |
| 12 Month | 0.95% | 0.95% | 6 months interest |
| 13 Month | 0.95% | 0.95% | 6 months interest |
| 17 Month | 1.00% | 1.01% | 6 months interest |
| 18 Month | 1.00% | 1.01% | 9 months interest |
| 24 Months “My Choice2“ | 1.10% | 1.11% | 12 months interest |
| 36 Month “My Choice2“ | 1.20% | 1.21% | 12 months interest |
| 60 Month “My Choice2“ | 1.30% | 1.31% | 12 months interest |
| Jumbo Certificates | > $75,000 | add .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.