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Rates

Effective: 25 June 2024

Type

Dividend rate

APY1

Savings2

Dividend rate

0.15%

APY1

0.15%

High-yield savings
($0–$2,499)

Dividend rate

1.29%

APY1

1.30%

High-yield savings
($2,500–$24,999)

Dividend rate

1.34%

APY1

1.35%

High-yield savings
($25,000–$49,999)

Dividend rate

1.49%

APY1

1.50%

High-yield savings
($50,000–$199,999)

Dividend rate

1.73%

APY1

1.75%

High-yield savings
($200,000+)

Dividend rate

1.98%

APY1

2.00%

IRA savings3

Dividend rate

0.05%

APY1

0.05%

Type

Dividend rate

APY1

Checking: Standard rate

Dividend rate

0.05%

APY1

0.05%

Checking: Premium rate2
($0–$15,000)

Dividend rate

1.00%

APY1

1.00%

All share certificate terms are eligible for Member Loyalty Dividends.

Term1

Dividend rate

APY2

3-month

Dividend rate

4.02%

APY2

4.10%

6-month

Dividend rate

3.68%

APY2

3.75%

9-month

Dividend rate

3.83%

APY2

3.90%

12-month: Standard

Dividend rate

3.44%

APY2

3.50%

12-month: Impact3

Dividend rate

3.44%

APY2

3.50%

18-month

Dividend rate

3.20%

APY2

3.25%

24-month: Standard and Simple Saver

Dividend rate

3.20%

APY2

3.25%

30-month: Flex Rate4

Dividend rate

2.47%

APY2

2.50%

36-month

Dividend rate

2.71%

APY2

2.75%

48-month

Dividend rate

2.71%

APY2

2.75%

60-month

Dividend rate

2.71%

APY2

2.75%

Type

Introductory APR1
(new accounts only)

Current indexed APR
(after intro period)

Index

Margin

Azure2

Introductory APR1
(new accounts only)

0.00%
Intro rate for 12 months

Current indexed APR
(after intro period)

17.99%

Index

WSJ Prime

Margin

9.74%

Apply now

Elite2

Introductory APR1
(new accounts only)

0.00%
Intro rate for 6 months

Current indexed APR
(after intro period)

17.24%

Index

WSJ Prime

Margin

8.74%

Apply now

Type

Variable APR as low as1

Index

Margin

Fixed APR as low as1

Personal

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

8.95%2

Apply now

Secured with deposit

Variable APR as low as1

Deposit Rate + 2.00%

Index

Deposit Rate

Margin

2.00%

Fixed APR as low as1

N/A

Apply now

Line of credit

Variable APR as low as1

15.25%

Index

WSJ Prime

Margin

6.75%

Fixed APR as low as1

N/A

Apply now

Education

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

7.75%

Apply now

Home renovation

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

10.25%

Apply now

Energy efficient home improvement

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

8.75%

Apply now

Debt consolidation

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

13.45%

Apply now

Automobile

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

6.00%3

Apply now

International home build

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

10.75%

Apply now

International property

Variable APR as low as1

N/A

Index

N/A

Margin

N/A

Fixed APR as low as1

10.75%

Apply now

Type1

Rate1

Index1

Margin1

15-year fixed

Rate1

7.99%–9.99%

Index1

Not Applicable

Margin1

Not Applicable

3/1-year variable

Rate1

5.90%–7.40%2

Index1

WSJ Prime

Margin1

1.00%–3.00%2

5/1-year variable

Rate1

6.90%–8.40%2

Index1

WSJ Prime

Margin1

2.00%–3.50%2

Type1

Rate1

Index1

Margin1

15-year fixed

Rate1

7.99%–8.99%2

Index1

Not Applicable

Margin1

Not Applicable

3/1-year variable

Rate1

5.90%–6.40%2

Index1

WSJ Prime

Margin1

1.00%–1.50%2

5/1-year variable

Rate1

6.90%–7.40%2

Index1

WSJ Prime

Margin1

2.00%–2.50%2

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

Exchange Rates

Explore exchange rates for cash transactions at UNFCU branches in New York and Digital Banking currency conversions.