Apply for a loan or credit card
- Sign in to Digital Banking.
- Under Account Services, select Apply for a Loan or Credit Card.
No account? Enroll in Digital Banking.
Discover the worldwide benefits UNFCU members enjoy
Help & Guidance
Type |
Dividend rate |
APY1 |
---|---|---|
Savings2 |
Dividend rate 0.05% |
APY1 0.05% |
High-yield savings |
Dividend rate 1.19% |
APY1 1.20% |
High-yield savings |
Dividend rate 1.24% |
APY1 1.25% |
High-yield savings |
Dividend rate 1.34% |
APY1 1.35% |
High-yield savings |
Dividend rate 1.39% |
APY1 1.40% |
High-yield savings |
Dividend rate 1.64% |
APY1 1.65% |
IRA savings3 |
Dividend rate 0.05% |
APY1 0.05% |
Rates are subject to change without prior notice.
Any checking account balance over $15,000 earns the standard rate.
Rates are subject to change without prior notice.
All share certificate terms are eligible for Member Loyalty Dividends.
Term1 |
Dividend rate |
APY2 |
---|---|---|
3-month |
Dividend rate 3.20% |
APY2 3.25% |
6-month |
Dividend rate 3.10% |
APY2 3.15% |
9-month |
Dividend rate 3.00% |
APY2 3.05% |
12-month: Standard |
Dividend rate 2.96% |
APY2 3.00% |
12-month: Impact3 |
Dividend rate 2.96% |
APY2 3.00% |
18-month |
Dividend rate 2.96% |
APY2 3.00% |
24-month: Standard and Simple Saver |
Dividend rate 2.81% |
APY2 2.85% |
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% |
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 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.
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.
Type |
Introductory APR1 |
Current indexed APR |
Index |
Margin |
|
---|---|---|---|---|---|
Azure2 |
Introductory APR1 0.00% |
Current indexed APR 17.74% |
Index WSJ Prime |
Margin 9.74% |
|
Elite2 |
Introductory APR1 0.00% |
Current indexed APR 16.74% |
Index WSJ Prime |
Margin 8.74% |
View all credit card rates and fees (PDF).
All rates are subject to change without prior notice.
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 8.70%2 |
|
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 |
|
Line of credit |
Variable APR as low as1 14.50% |
Index WSJ Prime |
Margin 6.75% |
Fixed APR as low as1 N/A |
|
Education |
Variable APR as low as1 N/A |
Index N/A |
Margin N/A |
Fixed APR as low as1 7.50% |
|
Home renovation |
Variable APR as low as1 N/A |
Index N/A |
Margin N/A |
Fixed APR as low as1 10.00% |
|
Energy efficient home improvement |
Variable APR as low as1 N/A |
Index N/A |
Margin N/A |
Fixed APR as low as1 8.50% |
|
Debt consolidation |
Variable APR as low as1 N/A |
Index N/A |
Margin N/A |
Fixed APR as low as1 13.20% |
|
Automobile |
Variable APR as low as1 N/A |
Index N/A |
Margin N/A |
Fixed APR as low as1 5.75%3 |
|
International home build |
Variable APR as low as1 N/A |
Index N/A |
Margin N/A |
Fixed APR as low as1 10.50% |
|
International property |
Variable APR as low as1 N/A |
Index N/A |
Margin N/A |
Fixed APR as low as1 10.50% |
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.
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.
For assistance with mortgage options and rates, please contact a mortgage representative.
Explore exchange rates for cash transactions at UNFCU branches in New York and Digital Banking currency conversions.
No account? Enroll in Digital Banking.