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  1.001.00 
6-month  1.241.25 
12-month: Standard and Impact Certificates  2.762.80 
18-month  2.862.90 
24-month: Standard and Simple Saver Certificates  2.712.75 
30-month: Flex Rate Certificate*  2.712.75 
36-month: Standard (see Bonus Rate option**)  2.963.00 
48-month: Standard (see Bonus Rate option**)  3.203.25 
60-month: Standard (see Bonus Rate option**)  3.443.50 

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. 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 Dividends can be withdrawn each month without penalty.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.

* 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.

** Bonus Rate option: Receive an additional 0.25% APY when you open a 36-month or 48-month share certificate with a minimum of $50,000 in new money. Receive an additional 0.50% APY when you open a 60-month share certificate with a minimum of $50,000 in new money. Only deposits or transfers to a UNFCU savings, High-Yield Savings, or checking account within the last 30 days will qualify as new money. Money from other existing accounts at UNFCU will not qualify. The bonus rate is for the initial term of a share certificate and will not apply to renewals. View the full details.

Rates are subject to change without prior notice.

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
15.99%WSJ Prime9.74% Apply Now  
0.00%
Intro rate for 6 months
14.99%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.
  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  
Education  
Auto (secured)  
Secured with Deposits  
International Property  
International Home Build  
Variable APR as low as1IndexMarginFixed APR as low as1 
13.00%WSJ Prime6.75%N/A Apply Now
N/AN/AN/A8.45% Apply Now
N/AN/AN/A12.95% Apply Now
N/AN/AN/A9.75% Apply Now
N/AN/AN/A7.25% Apply Now
N/AN/AN/A5.00%2 Apply Now
Deposit Rate + 2.0%Deposit Rate2.00%N/A Apply Now
N/AN/AN/A10.25% Apply Now
N/AN/AN/A10.25% Apply Now
  1. APR = Annual percentage rate. Creditworthiness, UN contract type, and loan amount will determine actual APR. Eligible UN consultants will be charged 0.50% more than the advertised APR.
  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%. 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