Savings and Loan Rates

At Unity Catholic FCU, we maintain competitive rates and terms on all savings and loan products. Click here for our New Fees Start 12/1/15 and Account Disclosures.

Savings Dividends & Balance Requirements
Effective Date: December 31, 2015 (4th Quarter)
Type of AccountRateMinimum Balance
Share Account (Savings) .10% (.10% APY) $5
Student Share Account .10% (.10% APY) $5
Christmas Club .10% (.10% APY) N/A
Share Draft (Checking) 0% (.0% APY) N/A

Money Market
Effective Date: December 31, 2015
Type of AccountRateMinimum Balance
Tier I 0.10% (0.10% APY) $1000 - $4,999.99
Tier II 0.10% (0.10% APY) $5,000 - $24,999.99
Tier III 0.10% (0.10% APY) $25,000 - $74,999.99
Tier IV 0.10% (0.10% APY) $75,000 and up

Money Market Checking Accounts
Effective Date: December 31, 2015
RateMinimum Balance
No Dividends Paid Less than $1,500
0.05% (0.05% APY) $1,500 - $4,999
0.10% (0.10% APY) $5,000 - $9,999
0.10% (0.10% APY) $10,000+

Term Share Certificates
Effective Date: December 31, 2015
TermRateMinimum Balance
Term Share (6 months) 0.15% (0.15% APY) $500.00
Term Share (1 Year) 0.20% (0.20% APY) $500.00
Term Share (2 Years) 0.40% (0.40% APY) $500.00
Term Share (3 Years) 0.70% (0.70% APY) $500.00
Term Share (4 Years) 1.00% (1.00% APY) $500.00
Term Share (5 Years) 1.45% (1.45% APY) $500.00

Individual Retirement Accounts
Effective Date: December 31, 2015
Type of AccountRateMinimum Balance
IRA Share Account 0.25% (0.25% APY) $50.00
IRA Share Certificate (1 Year) 0.25% (0.25% APY) $500.00
IRA Share Certificate (2 Year) 0.45% (0.45% APY) $500.00
IRA Share Certificate (5 Year) 1.50% (1.50% APY) $500.00

Loan Rates & Terms

Rates effective as of January 1, 2016

Vehicle Loans
Type of LoanTermAPR (as low as)
Model Year 2013-2015* 84 months 3.24%+ `^(min fin amt $30,000)
Model Year 2013-2015* 72 months 2.24%+`^
Model Year 2013-2015* 60 months 1.99%+`^
Model Year 2013-2015* 48 months 1.74%+`^
Model Year 2008-2015* 72 months 2.99%+ `^(min fin amt $15,000)
Model Year 2008-2012* 60 months 2.49%+`^
Model Year 2008-2012* 48 months 1.99%+`^
Model Year 2007 and Older 60 months 4.74%+`^
Model Year 2007 and Older 48 months 4.49%+`^

Personal Loans
Type of LoanTermAPR (as low as)
Personal Loans + 60 months 9.24% ^+
Personal Loans + 36 months 8.74%^+
Share Secured 60 months 2.55%
Share Secured 61 - 120 months 3.05%
Term Share Certificate Secured Share Term Certificate Rate plus 2.00%
Tuition 12 months 6.99%

VISAŽ Credit Cards
Type of LoanMaximum TermAPR
VISAŽ Purchases Revolving 9.99%
VISAŽ Cash Advances Revolving 9.99%
VISAŽ Balance Transfer 6 months from account opening date 0%
VISA® Balance Transfer 12 Months 2.99%

Home Loans
Type of LoanTermAPR (as low as)
Home Equity Loan 60 months 3.25%~
(fixed rate) 120 months 3.75%~
  180 months 4.25%~
Home Equity Line of Credit Variable rate 3.25%~
First Mortgage 360 months For Current Rates Please Call


APY = Annual Percentage Yield
APR = Annual Percentage Rate

 

BOATS, MOTORCYCLES, AND RECREATIONAL VEHICLES - ADD 1% TO VEHICLE RATES

^ Discount (.25%) for direct deposit/auto transfer (excludes Visa Credit Cards).

` Discount (.25%) for 10% down payment, purchases only.

+ Rate and max. term dependent on credit history and/or age of vehicle.

* Must borrow $1,000 for a vehicle secured loan; also applies if refinancing current UCFCU vehicle loan.

~All mortgages have a minimum loan amount of $5,000 and require 75%LTV(Loan to Value)

All rates subject to change at anytime and without notice, Unity Catholic Federal Credit Union has a floor rate of 3.25% for New Home Equity Lines of Credit (HELOC) Only, the ceiling rate is 18.00%. Maximum rate change for HELOC is 2% per quarter. Repayment is based on 120 months when advance is taken. Members must have a checking account and or auto payment of their loan payment.

Fees may reduce earnings on the account

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