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Rates, terms, or conditions may be impacted due to the COVID-19 pandemic. For the latest updates, please click here.

Mortgages

Effective as of 03/25/2020
Adjustable Rate Mortgages TypeTermRateAPR1
3 / 3 Adjustable30 Year2.500%2.549%
5 / 5 and 63 month 30 Year2.750%2.800%
7 / 7 Year30 Year3.500%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

Effective as of 03/25/2020
Max LTVFixed TermLoan RateMax Amort.
75% Refi., Cashout or Purch.6 Year Balloon3.45% – 4.75%30 years
75% Refi., Cashout or Purch.12 Year Balloon3.75% – 5.20%30 years
75% Refi., Cashout or Purch.12 Year Fixed3.75% – 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

Effective as of 03/25/2020
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 2.50%
Home Equity Line of Credit / HELOC – Interest Only 10-year draw, 15-year repay periodAs low as 2.50%

Auto Loans

Effective as of 03/25/2020
TypeLTV3TermsAPR1
New Car2115%Up to 84 MonthsAs low as 2.49%
Used Car (2016 – 2020)2115%Up to 84 MonthsAs low as 2.49%
Used Car (2012 – 2015)2105%Up to 72 MonthsAs low as 3.99%
Used Car (2004 – 2011)2105%Up to 60 MonthsAs 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

Effective as of 03/25/2020
TypeTermRate
Personal Loan1 to 5 yearsRates 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

Effective as of 03/25/2020
TypeMinimum BalanceRateAPY1
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$5,0000.60%0.60%
Premium Money MarketOver $50,000 0.75% 0.75%
Premium Money MarketOver $250,0001.00%1.01%

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

Share Certificate Rates

Effective as of 03/25/2020
TypeRateAPY1Early Withdrawal Penalty
3 Month0.35%0.35%3 months interest
5 Month0.40%0.40%3 months interest
6 Month0.50%0.50%3 months interest
7 Month0.50%0.50%3 months interest
8 Month0.60%0.60%3 months interest
9 Month0.60%0.60%6 months interest
10 Month0.70%0.70%6 months interest
12 Month0.95%0.95%6 months interest
13 Month0.95%0.95%6 months interest
17 Month1.00%1.01%6 months interest
18 Month1.00%1.01%9 months interest
24 Months “My Choice21.10%1.11%12 months interest
36 Month “My Choice21.20%1.21%12 months interest
60 Month “My Choice21.30%1.31%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.

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