Personal Rates

Savings & Checking

Savings Accounts
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%

Share Certificates1




6 months 2.750% 2.780%
1 year 1.500% 1.510%
13 months 3.950% 4.000%
2 years 1.500% 1.510%
3 years (1x Bump Up) 3.500% 3.550%
4 years 1.500% 1.510%
5 years  3.500% 3.550%

IRA Share Certificates (Traditional, Roth, & Coverdell)2




1 year 1.500% 1.510%
13 months 3.250% 3.290%
2 years 1.500% 1.510%
3 years (1x Bump Up) 3.500% 3.550%
4 years 1.500% 1.510%
5 years 3.500% 3.550%

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.

2IRA 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 and deductions. Penalties apply for early withdrawal.

*APY is Annual Percentage Yield. Rates are effective as of 11/14/2022. Minimum deposit is $500. Rates may change at any time. No rate adjustment on prior share certificates. Penalties apply for early withdrawal. 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



$500.00 – $2,499.99 0.100% 0.100%
$2,500.00 – $24,999.99 0.500% 0.500%
$25,000.00 – $99,999.99 0.750% 0.750%
$100,000.00 – $999,999.99 2.000% 2.000%

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.


Auto Loans

New Auto Loan (vehicle year 2021-22)

Maximum Term in Years APR* as low as (rates reflect a 1% relationship discount)
3 5.000%
4 5.000%
5 5.250%
6 5.500%
7 5.750%

Used Auto Loan (vehicle year 2017-21)

Maximum Term in Years APR* as low as (rates reflect a 1% relationship discount)
3 5.250%
4 5.250%
5 5.500%
6 5.750%

Used Auto Loan (vehicle year 2015-16)

Maximum Term in Years APR* as low as (rate reflects a 1% relationship discount)
3 6.000%
Personal Loan
Term in Years APR* as low as
1 8.750%
2 9.750%
3 10.750%
4 11.750%
5 12.250%
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 13.50% to 18.00%
Balance Transfers 13.50% to 18.00%
Cash Advance 15.50% 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%

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 5.625%
10 Years 5.750%
15 Years 5.875%
20 Years 5.875%
25 Years 6.125%
30 Years 6.125%
Adjustable Rate ARM
Type APR* as low as, 0 points
20 Years 5.250%
25 Years 5.375%
Hybrid Adjustable Rate
Type APR* as low as, 0 Points
3/1/30 5.500%
5/1/30 5.625%
7/1/30 5.750%
10/1/30 6.000%
Term APR* as low as, 0 Points
5 Years 5.875%
10 Years 6.000%
12 Years 6.000%
15 Years 6.125%
20 Years 6.125%
25 Years 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 Points
Home Improvement Unsecured – 5 Years 7.750%
Home Equity up to 75% LTV – 10 Years (NY, MA, OH, NC) 7.500%
Home Equity up to 70% LTV – 10 Years (CA, OR, WA) 7.500%
Home Equity up to 75% LTV – 15 Years (NY, MA, OH, NC) 8.000%
Home Equity up to 70% LTV – 15 Years (CA, OR, WA) 8.000%
Home Equity Line of Credit HELOC
80% (NY, MA, OH, NC) $300,000.00 Currently  7.000% 0.000% 7.000%
70% (CA, OR, WA) $300,000.00 Currently  7.000% 0.000% 7.000%

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: 12/5/2022, 4:58:19 pm

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