Product Rates

Rates effective: 

 

  • Savings
  • Checking
  • Share Certificates
  • Credit Cards
  • Loans
  • US Mortgages
  • Kenya Mortgages
  • Uganda Mortgages
Savings
Type Dividend RateAPY1
Savings*  0.150.15 
High-Yield Savings
($0–$2,499)  
1.291.30 
High-Yield Savings
($2,500–$24,999)  
1.341.35 
High-Yield Savings
($25,000–$49,999)  
1.491.50 
High-Yield Savings
($50,000–$199,999)  
1.731.75 
High-Yield Savings
($200,000+)  
1.982.00 
IRA Savings2  0.0500.050 
  1. Annual Percentage Yield.
  2. 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.

* The savings account dividend rate and APY also apply to club accounts opened on or before 28 February 2017.

Rates are subject to change without prior notice.

Checking
Type Dividend RateAPY1
Checking - Standard Rate0.050.05
Checking - Premium Rate2
($0–$15,000)
1.001.00
  1. 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.

Share Certificates

All share certificate terms are eligible for Member Loyalty Dividends.

Term1  Dividend RateAPY2
3-month  3.924.00 
6-month  3.924.00 
9-month  4.024.10 
12-month: Standard  4.214.30 
12-month: Impact Certificate*  3.203.25 
18-month  3.443.50 
24-month: Standard and Simple Saver Certificates  3.443.50 
30-month: Flex Rate Certificate**  2.472.50 
36-month  2.712.75 
48-month  2.712.75 
60-month  2.712.75 

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 open an IRA share certificate. Same terms apply as for a non-IRA share certificate.1 Please consult a tax advisor for more information.

  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 Dividends can be withdrawn each month without penalty.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.

* Money from the 12-month Impact share certificate is only used to fund projects with a positive impact. Learn more about this certificate.

** 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.

Credit Cards

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

 
Type
Azure2  
Elite2  
Introductory APR1
(new accounts only)
Current Indexed APR
(After intro period)
Index Margin  
0.00%
Intro rate for 12 months
17.99%WSJ Prime9.74% Apply Now  
0.00%
Intro rate for 6 months
17.24%WSJ Prime8.74% Apply Now  
  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.

View all credit card rates and fees (PDF).

All rates are subject to change without prior notice.

Loans

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

 
Type
Line of Credit  
Personal  
Debt Consolidation  
Home Renovation  
Energy Efficient Home Improvement  
Education  
Auto (secured)  
Secured with Deposits  
International Property  
International Home Build  
Variable APR as low as1IndexMarginFixed APR as low as1 
15.25%WSJ Prime6.75%N/A Apply Now
N/AN/AN/A8.70%3 Apply Now
N/AN/AN/A13.20% Apply Now
N/AN/AN/A10.00% Apply Now
N/AN/AN/A8.50% Apply Now
N/AN/AN/A7.50% Apply Now
N/AN/AN/A5.25%2 Apply Now
Deposit Rate + 2.0%Deposit Rate2.00%N/A Apply Now
N/AN/AN/A10.50% Apply Now
N/AN/AN/A10.50% Apply Now
  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 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.
  3. Rates for personal loans to purchase electric and hybrid vehicles may be discounted by an additional 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.

US Mortgages

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

For assistance with mortgage options and rates, please contact a mortgage representative.

Kenya Mortgages
Uganda Mortgages