Rates

1. APY = Annual Percentage Yield.
2. The premium rate will be applied to your checking account balances of up to $15,000 when you meet the following monthly qualifications:
   • Receive electronic statements via Digital Banking, and
   • Make 10 debit card purchases. The purchases must be posted to your account by 17:00 NY time on the last business day of the month.

   Any checking account balance over $15,000 earns the standard rate.

Rates are subject to change without prior notice.

View details for all share certificates, including minimum amounts needed to open an account.

If you are a US citizen or permanent resident, you can choose to open a share certificate as an individual retirement account (IRA) for tax benefits.  IRA share certificates are not available for the 7-month, 9-month, 12-month: Impact, 24-month: Simple Saver, and 48-month terms. Please consult a tax advisor to understand if an IRA share certificate is right for you. 

1. Unless otherwise noted, all terms are for standard share certificates. Dividends are compounded daily and credited monthly during the term of the certificate. Dividends can be withdrawn each month without penalty. Any additional early withdrawals will be subject to penalties.
2. APY = Annual Percentage Yield.
3. Money from the 12-month Impact share certificate is only used to fund projects with a positive impact. Learn more about this certificate.
4. The 30-month share certificate offers a one-time option to increase your rate and corresponding annual percentage yield (APY). You can exercise this option if UNFCU increases the rate for the 30-month certificate. View the full details.

Rates are subject to change without prior notice. However, the rate in effect at the time of a share certificate opening will be fixed for the term of the product. The Flex Rate share certificate, which allows you to change the rate once over its term, is the only exception.

1. APR = Annual Percentage Rate. Creditworthiness and loan amount will determine actual APR. Rate quoted is a 12-month introductory rate for Azure and a 6-month introductory rate for Elite. Thereafter, the rate will vary with the market based on the Prime Rate. Your actual APR may be lower than the US Prime plus margin if the rate is subject to regulatory limits.
2. No annual fee for Azure. Annual fee for Elite is $50.00.
3. View the current US Prime Rate as published by the Wall Street Journal.

View all credit card rates and fees (PDF).

All rates are subject to change without prior notice.

1. APR = Annual Percentage Rate. Creditworthiness, UN contract type, and loan amount will determine actual APR. The term of your loan is an additional factor in determining actual APR for all loans, except the line of credit and the secured with deposits loan. Eligible UN consultants will be charged 0.50% more than the advertised APR on all loans.
2. Rates for personal loans to purchase electric and hybrid vehicles may be discounted by an additional 0.25%. Term will determine actual APR.
3. View the current US Prime Rate as published by the Wall Street Journal.
4. Rates for new cars may be discounted by 0.25% for every 5.00% down payment, up to a maximum discount of 1.00%. Electric and hybrid vehicles may be discounted by 0.25%. Term will determine actual APR.

Variable rates are fixed for the first six months of your unsecured loan. Thereafter, the variable rate may increase and is based on the Wall Street Journal Prime Rate plus the margin.

All rates are subject to change without prior notice.

To learn more about our Kenya mortgages, please contact us: kenyamortgage@unfcu.com or call +254 20 7621039.

1. Rates listed on this page apply to purchases and refinancing of primary residences and owner-occupied second homes in select areas of Nairobi, Kiambu, Kajiado, and Machakos counties in Kenya by applicants who meet all eligibility criteria. These include, but are not limited to:
   • Applicant intends to occupy the property being financed (investment properties are not eligible); and
   • Applicant is not a resident of the United States; and
   • Applicant is a UNFCU member who is a UN employee with a current professional or field service contract and is earning income in a currency eligible for UNFCU Kenya mortgages, or
   • Applicant is a UN General Service staff or National Professional Officer located in an eligible country and earning income in an eligible currency, or
   • Applicant is a UN retiree with a prior Professional or Field Service contract and receives a pension in an eligible currency.
2. For variable rate mortgages, the quoted rate is fixed for the initial period of either 3 or 5 years, as applicable. Thereafter it will be subject to change annually and may increase. The variable rate is calculated each year by adding the applicable margin to the WSJ Prime rate. The maximum term is 15 years.
3. View the current US Prime Rate as published by the Wall Street Journal.

Please contact our mortgage team in the Nairobi office for additional rate options and to learn about additional fees that may be related to the home purchasing process: kenyamortgage@unfcu.com or call +254 20 7621039. This rate sheet does not constitute a commitment. Rates and terms are based on an evaluation of each member’s creditworthiness and eligibility and are subject to change without notice. This is a non-US mortgage loan subject to a Kenyan security interest.

To learn more about our Uganda mortgages, please contact us: ugandamortgage@unfcu.com or call +0800 113 450 x2703.

1. Rates listed on this page apply to purchases and refinancing of primary residences.³ Homes must be located in Wakiso or Kampala District. Applicants must meet all eligibility criteria, including but not limited to the following:⁴
   • Applicant intends to occupy the property being financed (investment properties and informal settlements are not eligible); and
   • Applicant is not a resident of the United States; and
   • Applicant is a UNFCU member who is a UN employee with a current professional or field service contract and is earning income in a currency eligible for UNFCU Uganda mortgages, or
   • Applicant is a UN General Service staff or National Professional Officer located in an eligible country and earning income in an eligible currency, or
   • Applicant is a UN retiree with a prior Professional or Field Service contract and receives a pension in an eligible currency.
2. Qualified UN staff in Uganda earning Ugandan shillings can secure a variable or fixed rate mortgage for $50,000 to $500,000. A 25% down payment is required. The down payment must be made with available funds in the primary and/or co-borrower’s account(s): borrowed funds are not accepted. All other qualified UNFCU members eligible for Uganda mortgages can secure a variable or fixed rate mortgage for $50,000 to $1,000,000. For these members, a 20–30% down payment is required based on credit quality. Your approved loan amount could be less than the amount you requested. This may be due to other existing loan obligations you have with UNFCU. Other factors such as credit quality and debt to income ratio may also impact your final loan terms.
3. View the current US Prime Rate as published by the Wall Street Journal.
4. Uganda mortgages cannot be combined with other UNFCU international home loans or Local Staff Loans for the same property. 
5. UN Consultants globally and residents of the United States are not eligible for this loan. Applicants must have their income or pension deposited into a UNFCU account in an eligible currency. Applicants must also have or purchase life and home insurance. Additional eligibility requirements may apply.

APR = Annual Percentage Rate. Rates listed are based on a 45-day lock for purchase. The rates assume a loan amount of $640,000, a credit score of 740 or higher, a 20% down payment, and a debt-to-income ratio less than 40%. Rates and fees may vary and are based on factors including, but not limited to, market change, credit history, down payment, property type & other factors associated with your loan application. Private Mortgage Insurance (PMI) is required if your mortgage amount is more than 80% of the value or purchase price of your home. Loan approval subject to qualification. Membership eligibility required. NMLS #456916.

Interest rates and annual percentage rates (APRs) displayed here are based on loans secured by property in the state of New York. Actual interest rates and APRs available to you may vary based on the state where your property is located and other factors, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, borrower credit, income, and other characteristics. All financing is subject to credit approval.

Understanding adjustable rate mortgages (ARMs): With an ARM, the interest you pay will be subject to change after your initial fixed period. Each ARM is described using two numbers. The first number indicates how many years your initial rate will remain in effect. The second number indicates how often your rate will adjust. For example, a 3/6 ARM has an initial fixed period of three (3) years. After three years, the rate will adjust every six (6) months.

To protect you from wide rate fluctuations, UNFCU places caps on how much your interest rate can change, but it is possible that the interest rate, APR, and payment may increase after the initial fixed period when the rate adjusts. ARM interest rates can increase or decrease each time the rate adjusts. Any of these rate changes may significantly impact your monthly payment over the remaining term of the loan.

Rebates: A rebate is a closing cost credit provided by the lender to a borrower for selecting a specific product’s interest rate.