Rates effective: 

 

  • Dividends
  • Money Market Accounts
  • Share Certificates
  • Credit Cards
  • Loans
  • Mortgages
Dividends
Type Rate APY1
Savings  0.200.20 
Checking  0.050.05 
Premium Checking + Tier 12  1.491.50 
Premium Checking + Tier 22  0.250.25 
Premium Checking + Non Premium2  0.010.01 
IRA3  0.200.20 
Clubs  0.200.20 
  1. Annual Percentage Yield.
  2. Premium Checking + Tier 1 (balances from USD 0.00 to USD 15,000.00); Premium Checking + Tier 2 (balances over USD 15,000.00); Premium Checking + Non Premium (if qualifications are not met)
  3. Minimum balance to open IRA Certificates is 500 USD. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply.

See ‘Schedule of Fees & Service Charges’ for further details. Rates are subject to change without prior notice.

Money Market Accounts
Type Rate APY1
Money Market2
($2,500 - $24,999)
0.250.25
Money Market2
($25,000 USD - 49,999 USD)
0.300.30
Money Market2
(50,000 USD +)
0.350.35
  1. Annual Percentage Yield.
  2. Minimum balance to earn dividends on Money Market Accounts is 2,500 USD.

See ‘Schedule of Fees & Service Charges’ for further details. Rates are subject to change without prior notice.

Share Certificates
Term2  Rate APY1
3 Month  0.250.25 
6 Month  0.300.30 
9 Month  0.350.35 
12 Month  0.400.40 
18 Month  0.450.45 
24 Month  0.500.50 
30 Month  0.700.70 
36 Month  0.800.80 
42 Month  0.900.90 
60 Month  1.091.10 
  1. Annual Percentage Yield.
  2. Minimum balance to open Share Certificates is 500 USD. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply.

See ‘Schedule of Fees & Service Charges’ for further details. Rates are subject to change without prior notice.

Credit Cards

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Type
VISA Student2  
VISA Classic2  
VISA Azure2  
VISA Elite2  
Introductory APR3
(new accounts only)
Current Indexed APR
(After intro period)
Index Margin  
5.90%
Intro rate for 6 months
11.90%WSJ Prime8.65%Apply Now  
5.90%
Intro rate for 6 months
11.90%WSJ Prime8.65%Apply Now  
5.90%
Intro rate for 6 months
10.90%WSJ Prime7.65%Apply Now  
0.00%
Intro rate for 6 months
9.90%WSJ Prime6.65%Apply Now  
  1. APR = Annual percentage rate. Creditworthiness and loan amount will determine actual APR.
  2. No annual fee for VISA Student, VISA Classic, or VISA Azure credit cards. Annual fee for VISA Elite is 50 dollars (USD).
  3. Rate quoted for credit cards is 6-month introductory rate. Thereafter, the rate will vary with the market based on the Prime Rate.

All rates are subject to change without prior notice.

Loans

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Type
Checking Line of Credit  
Signature*  
90 Days Same as Cash  
Debt Consolidation  
Home Improvement*  
International Home*  
Education*  
Auto (secured)*  
Auto (unsecured)*  
Savings Secured  
Share Certificate Secured  
Variable APR1IndexMarginFixed APR1 
10.00%WSJ Prime6.75%N/AApply Now
3.95%2WSJ Prime3.95%7.95%Apply Now
0.00%3WSJ Prime4.50%N/AApply Now
10.95%-13.95%2WSJ Prime8.00%-11.00%12.95%-15.95%Apply Now
4.50%2WSJ Prime4.00%7.75%Apply Now
6.45%-8.70%2WSJ Prime5.00%-7.25%8.70%-10.95%Apply Now
5.75%2WSJ Prime3.50%6.75%Apply Now
2.50%2WSJ Prime41.50%3.50%Apply Now
4.25%2WSJ Prime2.50%5.75%Apply Now
2.20%Savings Rate2.00%N/AApply Now
Share Certificate Dividend Rate +2.0%Share Certificate Rate2.00%N/AApply Now

* APR reflects promotional rate in effect from 8 September 2014 to 5 December 2014. Visit www.unfcu.org/loans for more details.

  1. APR = Annual percentage rate. Creditworthiness and loan amount will determine actual APR.
  2. Rate quoted is a 6-month introductory rate. Thereafter, the rate will be variable and can increase. The indexed rate is calculated by adding the disclosed margin to the Wall Street Journal Prime rate.
  3. 90 days Same as Cash APR is a 90-day introductory rate. Thereafter, the rate will be variable and can increase. The indexed rate is calculated by adding the disclosed margin to the Wall Street Journal Prime rate.
  4. Rates for new cars may be discounted by 0.25% for every 5% down payment, up to a maximum discount of 1%. Term will determine actual APR.

All rates are subject to change without prior notice.

Mortgages

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ABOVE ARE OUR FEATURED PRODUCT RATES

To view rates for all other products please click the "Get A Custom Rate Quote" button below.

Get a Custom Rate Quote*

IMPORTANT NOTICES

* The advertised rates for 5/1, 7/1 and 10/1 ARMs (‘Eligible Product’) feature a .25% discount from UNFCU's advertised interest rates declared as of 14 September 2014 (‘Promotional Rate’). To qualify for the Promotional Rates advertised above, your application for an Eligible Product must be received or your pre-approval converted between 15 September 2014 and 1 December 2014, 23:59 ET (‘Promotional Period’) and close by 28 February 2015. Members who apply for an Eligible Product prior to the Promotional Period are ineligible for the Promotional Rate unless they have locked their rate prior to the Promotional Period and opt to float down their interest rate during the Promotional Period and pay any applicable fees. Members who are not eligible for the Promotional Rate in accordance with the terms of this offer will receive a rate that is .25% higher than the advertised rate. Home equity products are ineligible. All rates and offers are subject to change without notice.

Rates and terms are subject to change without prior notice. This rate sheet does not constitute a commitment. Rates and points can only be locked upon receipt of a completed Rate Lock Agreement. This rate sheet reflects the current base interest rates for Purchase and Refinance Transactions. Rates and terms are based on an evaluation of each member. Rate, APR and points may be adjusted based on several factors, including but not limited to loan type, loan purpose, documentation type, loan amount, occupancy type, property type, loan to value and your credit score. Your final rate, APR and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. All loans are subject to credit approval.

  1. Consult a Mortgage Representative for additional rate discount options. (One point = 1% of the loan amount.)
  2. This program is a specially designed program for single unit primary residence high-balance conforming loans ($417,001 - $625,500 or the maximum allowable) that are located in areas that are subject to high-cost area loan limits set annually by the Federal Housing Finance Agency (FHFA). This program is available for LTVs/CLTVs up to 90% for purchase and rate/term refinances. The maximum LTV for cash-out refinance is 60%.
  3. Jumbo rates apply for all fixed rate and adjustable rate loans over 417,000 USD for 1-4 unit properties that are not eligible for the Jumbo-Conforming program. Rate displayed is for single unit primary residence property with a loan amount of 417,001 USD – 625,500 USD. Higher rates will apply for loans greater than $625,500. Jumbo rates for 2-4 unit properties are higher.

The interest rates, Annual Percentage Rates (APRs), and discount points indicated are subject to change without notice.

The monthly payment amount indicated includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow/impound account is established or required.

Your APR will vary based on your final mortgage loan amount and finance charges.