Savings & Checking
- Savings Accounts
-
| Account Type |
DIVIDEND RATE |
APY* |
| Regular Shares |
0.03% |
0.03% |
| IRA (Traditional, ROTH, & Coverdell) Shares |
0.05% |
0.05% |
- Share Draft (Checking)
-
| Account Type |
APY* |
| Share Draft |
0.000% |
| High Dividend Share Draft (balances over $25,000) |
0.500% |
| High Dividend Share Draft (balances up to $25,000) |
4.000% |
Click here for more details and disclosures
- Certificates
-
Share Certificates1
TERM
|
DIVIDEND RATE
|
APY*
|
| 6 months |
1.500% |
1.510% |
| 1 year |
1.500% |
1.510% |
| 13 months |
3.699% |
3.750% |
| 2 years |
1.500% |
1.510% |
| 3 years (1x Bump Up) |
3.455% |
3.500% |
| 4 years |
2.500% |
2.520% |
| 5 years |
3.250% |
3.290% |
IRA Share Certificates (Traditional, Roth, & Coverdell)2
TERM
|
DIVIDEND RATE
|
APY*
|
| 1 year |
1.500% |
1.510% |
| 13 months |
3.699% |
3.750% |
| 2 years |
1.500% |
1.510% |
| 3 years (1x Bump Up) |
3.455% |
3.500% |
| 4 years |
2.500% |
2.520% |
| 5 years |
3.250% |
3.290% |
1There is a penalty to withdraw the money (principal) you deposited into your Certificate before it reaches the maturity date; you may withdraw the dividend earned at any time w/o penalties.
2Applies only to IRA share certificate accounts: In 2024, the contribution limit for an IRA is $7,000 for those under 50 years old and $8,000 for those 50 or older. Promotional rates are not for other IRA funds, like rollovers or transfers. IRA Share Certificates are subject to IRS contribution limits. Additional deposits are not allowed into the same account. UFCU doesn’t offer tax advice; consult a professional tax advisor for IRA contribution limits & deductions. Penalties apply for early withdrawal.
*APY is Annual Percentage Yield. Rates are effective as of 9/04/25. Minimum deposit is $500. Rates may change at any time. No rate adjustment on prior Share Certificates. There is a penalty to withdraw the money (principal) you deposited into your Share Certificate before it reaches the maturity date; you may withdraw the dividend earned at any time w/o penalties. The APY will remain in effect for the term of the Share Certificate. Dividends are compounded & credited quarterly. Fees may reduce earnings. Other rates & terms are available. UFCU reserves the right to terminate these offers at any time without any further notice. Membership subject to eligibility. Federally insured by NCUA.
- Money Market
-
Money Market4
| TIERS |
DIVIDEND RATE
|
APY* |
| $500.00 - $2,499.99 |
0.10% |
0.10% |
| $2,500.00 - $24,999.99 |
2.00% |
2.02% |
| $25,000.00 - $99,999.99 |
2.50% |
2.53% |
| $100,000.00 - $249,999.99 |
2.75% |
2.78% |
| $250,000.00 - $999,999.99 |
3.00% |
3.04% |
4Minimum daily balance and balance to earn dividends is $500. Up to three (3) withdrawals are allowed per month before a fee is imposed. There is a minimum of $100 per withdrawal.
Loans
- Auto Loans
-
New Auto Loan (vehicle year 2025 - 2026)
| Maximum Term in Years |
APR* |
APR* as low as |
| 3 |
5.50% |
4.50% |
| 4 |
5.50% |
4.50% |
| 5 |
5.75% |
4.75% |
| 6 |
6.00% |
5.00% |
| 7 |
6.25% |
5.25% |
Used Auto Loan (vehicle year 2022 - 2026)
| Maximum Term in Years |
APR* |
APR* as low as |
| 3 |
5.75% |
4.75% |
| 4 |
5.75% |
4.75% |
| 5 |
6.00% |
5.00% |
| 6 |
6.25% |
5.25% |
→"APR as low as" rates listed above for new and used auto loans are our best rates based on approved credit and reflects a maximum relationship discount of 1.00%. 0.25% discounts for: 1) down payment over 25% 2) checking account with autopay 3) IRA Share Certificate or Share Certificate (CD) or other loans over $5,000 4) registered for e-statements
- Personal Loan
-
| Term in Years |
APR* |
APR* as low as |
| 1 |
10.00% |
9.00% |
| 2 |
11.00% |
10.00% |
| 3 |
12.00% |
11.00% |
| 4 |
13.00% |
12.00% |
| 5 |
13.50% |
12.50% |
→"APR as low as" rates listed above for personal loans are our best rates based on approved credit and reflects a maximum relationship discount of 1.00%. 0.25% discounts for: 1) down payment over 25% 2) checking account with autopay 3) IRA Share Certificate or Share Certificate (CD) or other loans over $5,000 4) registered for e-statements
- Share Secured Loan
-
| Term in Years |
APR* as low as |
| 2 |
2.250% |
| 3 |
2.500% |
| 4 |
2.500% |
| 5 |
2.750% |
- Visa Credit Card
-
UFCU Everyday Rewards VISA® Credit Card
| Transaction Type |
APR* as low as |
| Purchases |
13.25% to 18.00% |
| Balance Transfers |
13.25% to 18.00% |
| Cash Advance |
15.25% to 18.00% |
Click here for rates and terms for all four of our credit card programs.
- Overdraft Line of Credit
-
| Type |
APR* as low as |
| Unsecured |
12.500% |
| Share Secured |
7.000% |
- Fixed Rate
-
| Term |
APR* as low as (0 pts.) |
NY ONLY - APR* as low as (0 pts.) |
| 5 Years |
5.750% |
5.625% |
| 10 Years |
5.875% |
5.750% |
| 15 Years |
6.000% |
5.875% |
| 20 Years |
6.125% |
6.000% |
| 25 Years |
6.250% |
6.125% |
| 30 Years |
6.250% |
6.125% |
- Adjustable Rate ARM
-
| Type |
APR* as low as (0 pts.) |
NY ONLY - APR* as low as (0 pts.) |
| 20 Years |
5.625% |
5.500% |
| 25 Years |
5.750% |
5.625% |
- Hybrid Adjustable Rate
-
| Type |
APR* as low as (0 pts.) |
NY ONLY - APR* as low as (0 pts.) |
| 3/1/30 |
5.875% |
5.750% |
| 5/1/30 |
6.000% |
5.875% |
| 7/1/30 |
6.125% |
6.000% |
| 10/1/30 |
6.250% |
6.125% |
- Modifications
-
| Term |
APR* as low as (0 pts.) |
NY ONLY - APR* as low as (0 pts.) |
| 5 Years |
6.000% |
5.875% |
| 10 Years |
6.125% |
6.000% |
| 12 Years |
6.125% |
6.000% |
| 15 Years |
6.250% |
6.125% |
| 20 Years |
6.375% |
6.250% |
| 25 Years |
6.500% |
6.375% |
→ UFCU members who already have a mortgage with UFCU and reside in either New York or Massachusetts are eligible for a modification. A modification is similar to refinancing in that the program may result in a modification of your rate, term, and/or payment. Closing costs related to a modification are typically lower than for a refinance in most cases.
- Home Equity Loans
-
| Term |
APR* as low as (0 pts.) |
| Home Improvement Unsecured - 5 Years |
6.750% |
| Home Equity up to 75% LTV - 10 Years (NY, MA, OH, NC) |
6.500% |
| Home Equity up to 70% LTV - 10 Years (CA, OR, WA) |
6.500% |
| Home Equity up to 75% LTV - 15 Years (NY, MA, OH, NC) |
7.000% |
| Home Equity up to 70% LTV - 15 Years (CA, OR, WA) |
7.000% |
- Home Equity Line of Credit HELOC
-
| MAXIMUM LTV |
MAXIMUM AMOUNT |
LIFETIME INDEX = PRIME RATE |
MARGIN as low as |
CONTRACT APR* as low as |
| 80% (NY, MA, OH, NC) |
$300,000.00 |
Currently 6.75% |
0.000% |
6.75% |
| 70% (CA, OR, WA) |
$300,000.00 |
Currently 6.75% |
0.000% |
6.75% |
Rate will never be below the initial rate or exceed 16.00%. Rates are available to new accounts only and cannot be used to refinance existing UFCU equity debt. Rates are subject to approval. For properties located in the states of New York, Massachusetts, and Ohio, UFCU will waive closing costs up to $1,000 for members with credit scores of 680 and above. However, if you close your account within the first 36 months of your account open date, you must reimburse us for the actual costs and fees paid in connection with the opening of your account. Minimum line amount is $10,000.
*APY is Annual Percentage Yield. APR is Annual Percentage Rate. All rates are subject to change without notice. Fees may reduce earnings in savings, money market, share certificate, and/or IRA accounts. Share savings rates are accurate as of the last dividend declaration date and these rates may change after the account is opened. Some accounts have a minimum balance requirement in order to earn dividends. Certificate accounts have a penalty for early withdrawal of the principal balance; however, you may withdraw the dividends earned at any time without penalty. Loan rates are shown as low as; your actual rate may vary based on your credit history, type of loan, down payment, and other factors. Members may earn up to a 1.00% relationship discount on vehicle and signature loans. Inquire with your local branch. All loans are subject to credit underwriting terms and conditions.
Rates accurate as of: 6/17/2026, 12:02:47 pm