Rates effective: 

 

  • Dividends
  • Money Market Accounts
  • Share Certificates
  • Credit Cards
  • Loans
  • U.S. Mortgages
  • Kenya 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 
IRA Savings3  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. If you are a US citizen or permanent resident, you can open an IRA Savings for tax benefits. Please consult a tax advisor for more information.

See our ‘Fees and 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 ‘Fees and Service Charges’ for further details. Rates are subject to change without prior notice.

Share Certificates
Term1  Rate APY2
3 Month  0.250.25 
6 Month  0.450.45 
9 Month  0.500.50 
12 Month  0.750.75 
18 Month  0.800.80 
24 Month**  1.241.25 
30 Month - Flex Rate Certificate*  1.391.40 
36 Month**  1.491.50 
42 Month  1.591.60 
60 Month**  1.731.75 

If you are a US citizen or permanent resident, you can open an IRA Share Certificate. Same terms apply as for a non-IRA Share Certificate1. Please consult a tax advisor for more information.

  1. Minimum balance to open share certificates is USD 500. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply.
  2. Annual Percentage Yield

*The 30 month share certificate provides you with a one-time opportunity to increase your rate and corresponding Annual Percentage Yield (APY), should UNFCU offer a higher rate. View the full details.

** Receive an additional 0.25% Annual Percentage Yield (APY) when you open a 24-month, 36-month, or 60-month share certificate account with a minimum new deposit*** of at least USD 100,000. Learn more about the Bonus Rate Share Certificates.

*** The new deposit cannot be funds already held by UNFCU or its affiliates including but not limited to existing savings, checking and investment accounts. To be eligible to receive the 0.25% APY bonus rate, you must keep the share certificate open for its full term.

See our ‘Fees and Service Charges’ for further details. Rates are subject to change without prior notice.

Credit Cards

SCROLL chart from left to right to view all available rates.

 
Type
VISA Azure2  
VISA Elite2  
VISA UNA-USA2  
Introductory APR1
(new accounts only)
Current Indexed APR
(After intro period)
Index Margin  
5.90%
Intro rate for 6 months
11.15%WSJ Prime7.65%Apply Now  
0.00%
Intro rate for 6 months
10.15%WSJ Prime6.65%Apply Now  
5.90%
Intro rate for 6 months
11.15%WSJ Prime7.65%Apply Now  
  1. APR = Annual percentage rate. Creditworthiness and loan amount will determine actual APR. Introductory rate quoted for credit cards is for the first 6 months. Thereafter, the rate will vary with the market based on the Prime Rate.
  2. No annual fee for VISA Azure or VISA UNA-USA credit cards. Annual fee for VISA Elite is 50 dollars (USD).

To review all credit card rates, please click here.

All rates are subject to change without prior notice.

Loans

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Type
Checking Line of Credit  
Signature Loan Direct  
Signature Loan  
Debt Consolidation  
Home Improvement  
International Home  
Education  
Auto (secured)  
Auto (unsecured)  
Savings Secured  
Share Certificate Secured  
Variable APR1IndexMarginFixed APR1 
10.25%WSJ Prime6.75%N/AApply Now
3.95%-5.20%2WSJ Prime2.95%-4.20%7.95%-9.20%Apply Now
4.95%-5.95%2WSJ Prime3.95%-4.95%8.95%-9.95%Apply Now
10.95%-13.95%2WSJ Prime8.00%-11.00%12.95%-15.95%Apply Now
5.50%2WSJ Prime4.00%8.75%Apply Now
7.45%-9.70%2WSJ Prime5.00%-7.25%9.70%-11.95%Apply Now
4.99%2WSJ Prime3.50%7.75%Apply Now
3.50%2WSJ Prime1.50%4.50%3Apply Now
5.25%2WSJ Prime2.50%6.75%Apply Now
2.20%Savings Rate2.00%N/AApply Now
Share Certificate Dividend Rate +2.0%Share Certificate Rate2.00%N/AApply Now
  1. APR = Annual percentage rate. Creditworthiness and loan amount will determine actual APR.
  2. APR = Annual Percentage Rate. During the six-month introductory period, the rate will not change. After the six-month introductory period, the rate is variable and can increase.
  3. 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.

U.S. Mortgages

SCROLL chart from left to right to view all available rates.

Click on a rate for important disclosure information and examples.

Type
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Year Adjustable
5/5 Year Adjustable
7/1 Year Adjustable
10/1 Year Adjustable
EquityLoan
EquityLine
SONYMA
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

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.

Kenya Mortgages