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, 2016 (2nd 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: June 30, 2016
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 0.15% (0.15% APY) $75,000 and up

Money Market Checking Accounts
Effective Date: June 30, 2016
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 30, 2016
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: June 30, 2016
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 September 1, 2016

Vehicle Loans
Type of LoanTermAPR (as low as)
Model Year 2014-2016* 84 months 3.24% (1,2,3,4,5)
Model Year 2014-2016* 72 months 2.24% (1,2,4,5)
Model Year 2014-2016* 60 months 1.99%(1,2,4,5)
Model Year 2014-2016* 48 months 1.74% (1,2,4,5)
Model Year 2009-2013* 72 months 2.99% (1,2,3,4,5)
Model Year 2009-2013* 60 months 2.49% (1,2,4,5)
Model Year 2009-2013* 48 months 1.99% (1,2,4,5)
Model Year 2008 and Older 60 months 4.74% (1,2,4,5)
Model Year 2008 and Older 48 months 4.49% (1,2,4,5)

Personal Loans
Type of LoanTermAPR (as low as)
WHATEVER = Personal Loans + 60 months 8.74% (1,2,5)
WHATEVER = Personal Loans + 36 months 7.99% (1,2,5)
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%
Home Improvement 66 months 6.49% (1,2,5)

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

1 Discount included in as low as rate (.25%) for direct deposit/auto transfer (excludes Visa Credit Cards).

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

3 Minimum loan requirement for the term.

4 Discount included in as low as rate (.25%) for 10% down payment, purchases only.

5 Discount included in as low as rate (.25%) for e-Statements (member must have homebanking and sign up for e-Statements before loan closing to qualify for discount)

Aggregate discounts not to exceed .75%

~All mortgages have a minimum loan advance 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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