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, 2010 (2nd quarter dividend rates)
Type of AccountRateMinimum Balance
Share Account (Savings) .25% (.25% APY) $5
Student Share Account .25% (.25% APY) $5
Christmas Club .25% (.25% APY) N/A
Share Draft (Checking) .10% (.10% APY) $100

Money Market
Effective Date: July 26, 2010
Type of AccountRateMinimum Balance
Tier I 0.30% (0.30% APY) $1000 - $4,999.99
Tier II 0.40% (0.40% APY) $5,000 - $24,999.99
Tier III 0.50% (0.50% APY) $25,000 - $74,999.99
Tier IV 0.60% (0.60% APY) $75,000 and up

Money Market Checking Accounts
Effective Date: July 26, 2010
RateMinimum Balance
No Dividends Paid Less than $1,500
0.25% (0.25% APY) $1,500 - $4,999
0.35% (0.35% APY) $5,000 - $9,999
0.40% (0.40% APY) $10,000+

Share Certificates
Effective Date: July 26, 2010
TermRateMinimum Balance
Share Certificate (6 months) 0.50% (0.50% APY) $500.00
Share Certificate (1 Year) 0.80% (0.80% APY) $500.00
Share Certificate (2 Years) 1.30% (1.31% APY) $500.00
Share Certificate (3 Years) 1.60% (1.61% APY) $500.00
Share Certificate (4 Years) 2.00% (2.02% APY) $500.00
Share Certificate (5 Years) 2.15% (2.17% APY) $500.00

Individual Retirement Accounts
Effective Date: July 26, 2010
Type of AccountRateMinimum Balance
IRA Share Account 0.65% (0.65% APY) $50.00
IRA Share Certificate (1 Year) 0.85% (0.85% APY) $500.00
IRA Share Certificate (2 Year) 1.35% (1.36% APY) $500.00
IRA Share Certificate (5 Year) 2.20% (2.22% APY) $500.00

Loan Rates & Terms

Rates effective as of July 26, 2010

Vehicle Loans
Type of LoanTermAPR (as low as)
Model Year 2009-10 + 66 months 3.99%*
Model Year 2009-10 + 72 months 4.49%*
Model Year 2006-08 + 66 months 3.99%*
Model Year 2003-05 + 54 months 5.49%*
Model Year 2002 and older 48 months 6.99%*

Personal Loans
Type of LoanTermAPR (as low as)
Unsecured Personal + (Signature) 60 months 9.74% ^
Share Secured 60 months 3.99%
Share Secured 61 - 120 months 4.25%
Certificate Secured Certificate Term Certificate Rate plus 2.00%
Tuition 12 months 6.99%

VISAŽ Credit Cards
Type of LoanMaximum TermAPR
VISAŽ Purchases Revolving 9.99%
VISAŽ Balance Transfer (New Accounts Only)
6 months 0.00%

Home Loans
Type of LoanTermAPR (as low as)
Home Equity Loan 60 months 5.00%
(fixed rate) 120 months 6.00%
  180 months 6.50%
Home Equity Line of Credit Variable rate 3.99%
First Mortgage 360 months For Current Rates Please Call


APY = Annual Percentage Yield
APR = Annual Percentage Rate


*Includes a discount for all of the following

^ Discount (.25%) for direct deposit.

# Discount (.25%) for 20% down payment.

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

All rates subject to change at anytime and without notice, Unity Catholic Federal Credit Union has a floor rate of 3.99%

Fees may reduce earnings on the account

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