Personal Rates

Savings & Checking

Savings Accounts
Account Type DIVIDEND RATE APY*
Regular Shares 0.10% 0.10%
IRA (Traditional, ROTH, & Coverdell) Shares 0.25% 0.25%
Share Draft (Checking)
Account Type APY*
Share Draft 0.000%
Certificates

Special Share Certificate1

→Must be new money

TERM

DIVIDEND RATE

APY*

9-month Share Certificate 2.771% 2.800%

Special IRA Certificate2

→Must be new money

TERM

DIVIDEND RATE

APY*

15 month IRA Share Certificate 2.771% 2.800%

Regular Share Certificates3

TERM

DIVIDEND RATE

APY*

6 months 2.280% 2.300%
1 year 2.379% 2.400%
2 years (Add On) 2.477% 2.500%
3 years (1x Bump Up) 2.477% 2.500%
4 years 2.673% 2.700%
5 years 2.771% 2.800%

IRA Share Certificates (Traditional, Roth, & Coverdell)4

TERM

DIVIDEND RATE

APY*

1 year 2.477% 2.500%
2 years (Add On) 2.575% 2.600%
3 years (1x Bump Up) 2.575% 2.600%
4 years 2.771% 2.800%
5 years 2.869% 2.900%

1Must be new money. No rate adjustment on prior share certificates. There 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.

2Must be new money. IRA Certificates are subject to IRS contribution limits. Additional deposits are not allowed into the same account. Penalties apply for early withdrawal. UFCU doesn’t offer tax advice; consult a professional tax advisor for IRA contribution limits and deductions.

3There 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.

4IRA Certificates are subject to IRS contribution limits. Additional deposits are not allowed into the same account. Penalties apply for early withdrawal. UFCU doesn’t offer tax advice; consult a professional tax advisor for IRA contribution limits and deductions.

*APY is Annual Percentage Yield. Rates are effective as of 6/20/19. Minimum deposit is $500. Rates may change at any time. No rate adjustment on prior share certificates. The APY will remain in effect for the term of the certificate. Dividends are compounded and credited quarterly. Fees may reduce earnings. Other rates and 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 0.250% 0.250%
$2,500.00 – $9,999.99 0.500% 0.501%
$10,000.00 – $24,999.99 0.750% 0.753%
$25,000.00 – $99,999.99 1.000% 1.005%
$100,000.00 – $249,999.99 1.500% 1.510%
$250,000.00 – $999,999,999.99 2.000% 2.018%

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

Term in Years APR* as low as
3 4.250%
4 4.500%
5 4.750%
6 5.000%
7 5.250%

Used Auto Loan

Term in Years APR* as low as
3 4.500%
4 4.750%
5 5.000%
6 5.250%
Personal Loan
Term in Years APR* as low as
1 8.500%
2 9.500%
3 10.500%
4 11.500%
5 12.000%
Share Secured Loan
Term in Years APR* as low as
2 2.500%
3 3.250%
4 3.500%
5 3.750%
Visa Credit Card
Transaction Type APR* as low as
Purchases 10.50% to 13.50%
Balance Transfers 10.50% to 13.50%
Cash Advance 12.50% to 15.50%
Overdraft Line of Credit
Type APR* as low as
Unsecured 12.500%
Share Secured 7.000%

Mortgage Loans

Visit the Online Mortgage Center to get instant rate quotes and to apply online.

Fixed Rate
Term APR* as low as, 0 points
5 Years 3.250%
10 Years 3.375%
15 Years 3.500%
20 Years 3.625%
25 Years 3.750%
30 Years 3.750%
Adjustable Rate ARM
Type APR* as low as, 0 points
20 Years 3.250%
25 Years 3.375%
Hybrid Adjustable Rate
Type APR* as low as, 0 Points
3/1/30 3.500%
5/1/30 3.625%
7/1/30 3.750%
10/1/30 4.000%
Modifications
Term APR* as low as, 0 Points
5 Years 3.500%
10 Years 3.625%
12 Years 3.625%
15 Years 3.750%
20 Years 3.875%
25 Years 4.000%
Home Equity Loans
Term APR* as low as, 0 Points
Home Improvement Unsecured – 5 Years 6.500%
Home Equity up to 80% LTV – 10 Years 6.250%
Home Equity up to 80% LTV – 15 Years 6.750%
Home Equity Line of Credit HELOC
MAXIMUM LTV MAXIMUM AMOUNT LIFETIME INDEX = PRIME RATE MARGIN AS LOW AS CONTRACT APR* AS LOW AS
80% $400,000.00 Currently 5.500% 0.000% 5.500%
75% $400,000.00 Currently 5.500% 0.000% 5.500%

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. All loans are subject to credit underwriting terms and conditions.

Rates accurate as of: 6/20/2019, 1:28:31 pm

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