Current Rates


EFFECTIVE DATE:

Rate Information

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.


Type of Account Rate Minimum Balance
Share Account (Savings) 0.15% (0.15% APY) $5
Student Share Account 0.15% (0.15% APY) $5
Christmas Club 0.15% (0.15% APY) N/A
Share Draft 0.00% (0.00% APY) N/A

Type of Account Rate Minimum Balance
Tier I 0.20% (0.20% APY) $1000 - $4,999.99
Tier II 0.20% (0.20% APY) $5,000 - $24,999.99
Tier III 0.40% (0.40% APY) $25,000 - $74,999.99
Tier IV 0.50% (0.50% APY) $75,000 and up

Type of Account Rate Minimum Balance
Tier I No Dividends Paid Less than $1,500
Tier II 0.10% (0.10% APY) $1,500 - $4,999.99
Tier III 0.20% (0.20% APY) $5,000 - $9,999.99
Tier IV 0.20% (0.20% APY) $10,000+

Term Rate Minimum Balance
Term Share (6 months) 0.60% (0.60% APY) $500.00
Term Share (1 Year) 1.10% (1.10% APY) $500.00
Term Share (2 Year) 1.60% (1.61% APY) $500.00
Term Share (3 Year) 1.80% (1.81% APY) $500.00
Term Share (4 Year) 2.00% (2.02% APY) $500.00
Term Share (5 Year) 2.30% (2.32% APY) $500.00

Type of Account Rate Minimum Balance
IRA Share Account  0.30% (0.30% APY) $50.00
IRA Share Certificate (1 Year)  1.15% (1.15% APY) $500.00
IRA Share Certificate (2 Year)  1.65% (1.66% APY) $500.00
IRA Share Certificate (5 Year)  2.35% (2.37% APY) $500.00

Type of Loan Term APR (as low as)
Model Year 2016-2018* 84 months 4.15% (1,2,3,4,5)
Model Year 2016-2018* 72 months 3.15% (1,2,4,5)
Model Year 2016-2018* 60 months 2.90% (1,2,4,5)
Model Year 2016-2018* 48 months 2.65% (1,2,4,5)
Model Year 2011-2015* 72 months 3.90% (1,2,3,4,5)
Model Year 2011-2015* 60 months 3.40% (1,2,4,5)
Model Year 2011-2015* 48 months 2.90% (1,2,4,5)
Model Year 2010 and Older 60 months 5.65% (1,2,4,5)
Model Year 2010 and Older 48 months 5.40% (1,2,4,5)

Type of Loan Term APR (as low as)
WHATEVER = Personal Loans + 60 months 8.74% (1,2,5)
WHATEVER = Personal Loans + 36 months 8.24% (1,2,5)
Share Secured 60 months 2.65%
Share Secured 61-120 months 3.15%
Term Share Certificate Secured Share Term Certificate Rate plus 2.00%
Tuition 12 months 6.99%
Home Improvement 66 months 6.74% (1,2,5)

Type of Loan Maximum Term APR
VISA® Purchases Revolving 9.99%
VISA® Cash Advances Revolving 9.99%
VISA® Balance Transfer 6 Months 2.99%

Type of Loan Term APR (as low as)
Home Equity Loan  60 months 4.00%(~,2)
(fixed rate) 120 months 4.50%(~,2)
180 months 4.75%(~,2)
Home Equity Line of Credit Variable Rate 4.00%(~,2)
First Mortgage 360 months

For Current Rates Please Call

440-886-2558


Additional Information

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 (0.25%) 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 (0.25%) for 10% down payment, purchases only.
5 Discount included in as low as rate (0.25%) 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 0.75%

~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 2.00% 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