Savings and Loan Rates

At Unity Catholic FCU, we maintain competitive rates and terms on all savings and loan products. Click here for our Fee Schedule and Account Disclosures.

Savings Dividends & Balance Requirements
Effective Date: June 30, 2014 (2nd Quarter)
Type of AccountRateMinimum Balance
Share Account (Savings) .05% (.05% APY) $5
Student Share Account .05% (.05% APY) $5
Christmas Club .05% (.05% APY) N/A
Share Draft (Checking) 0% (.0% APY) N/A

Money Market
Effective Date: March 31, 2014
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: March 31, 2014
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: June 1, 2014
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) 1.40% (1.40% APY) $500.00

Individual Retirement Accounts
Effective Date: July 1, 2014
Type of AccountRateMinimum Balance
IRA Share Account 0.20% (0.20% 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) 1.45% (1.45% APY) $500.00

Loan Rates & Terms

Rates effective as of August 1, 2014

Vehicle Loans
Type of LoanTermAPR (as low as)
Model Year 2012-2014* 84 months 3.24%+ `^(min fin amt $30,000)
Model Year 2012-2014* 72 months 2.24%+`^
Model Year 2012-2014* 60 months 1.99%+`^
Model Year 2012-2014* 48 months 1.74%+`^
Model Year 2007-2011* 72 months 2.99%+ `^(min fin amt $15,000)
Model Year 2007-2011* 60 months 2.49%+`^
Model Year 2007-2011* 48 months 1.99%+`^
Model Year 2006 and Older 60 months 4.74%+`^
Model Year 2006 and Older 48 months 4.49%+`^

Personal Loans
Type of LoanTermAPR (as low as)
Back To School Special 8 months 8.00%
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%

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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