Make Your Home Work for You
You've built equity in your home; now it's time to use it! With Unity Catholic Federal Credit Union's Home Equity Line of Credit, you can finance your goals with lower payments and peace of mind.
Introductory rate of 3.99% APR* fixed rate for 12 months
Enjoy sample monthly payments as low as $59.00 (based on $5,000 at 6.25% APR* for 120 months).
Pay off your balance on your own schedule without extra fees.
*APR = Annual Percentage Rate. This is a variable rate loan and will change based on the Prime Rate as printed in the Wall Street Journal published 10 days prior to the end of each month. The introductory APR is 3.99% APR and expires on 12/31/2027. The applicable interest rate will go to **Prime Rate plus/minus the margin based on your credit score at the time of application after the introductory period has expired. As of 07/01/2026 the Prime Rate is 6.75% APR. The best rate available after the promotional period is Prime = 6.75% – 0.50% = 6.25%. This is the rate available to Unity Catholic Federal Credit Union (UCFCU), based on 80% loan to value and an owner-occupied principal residence; not all members will qualify for the lowest rate. This loan cannot be used to refinance an existing UCFCU loan. Advances are amortized over 120 months. Sample monthly payment: $5,000 financed at 6.25% APR for 120 months is $59.00. Minimum initial loan advance of $5,000. Application deadline is 12/31/2026 and loans must close by 01/31/2027. Loan fees and closing costs of $400.00 are paid by the borrower. Members will be responsible for title insurance if the Line of Credit is the mortgage in first lien position. A UCFCU Checking Account, Debit Card and/or direct deposit with payroll deduction is required to qualify for this loan. All loans are subject to credit approval. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. No prepayment penalties apply. Federally insured by NCUA. Additional insurance up to $1,250,000 through ESI, a licensed insurance company, and an Equal Housing Lender. 10/01/2026 – 12/31/2026.
Drive Now, Pay Later
Unity Catholic can put you in the driver's seat this season without the upfront stress. Finance your next vehicle with us and enjoy no payments for 90 days*.
We're also waiving the $200 document preparation fee, so you keep more money in your pocket for the holidays. Whether you're upgrading the family car or finally buying the one you've had your eye on, we're here to help.
Ready to get started?
*All loans are subject to credit approval. During the payment deferment, interest continues to accrue and will extend the term of the loan. A $200 document preparation fee is being waived. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. No prepayment penalties apply. This credit union is federally insured by the National Credit Union Administration. Additional insurance of $1,250M is available through ESI. 10/01/2026 – 12/31/2026.
Wrap Up the Year with 1% Off
Holiday gifts, travel to see family, an unexpected repair, or high-interest debt you'd love to get rid of: a Unity Catholic Personal Loan can help with all of it.
For a limited time, take 1% off your qualified rate* on loans up to $15,000, with terms up to 60 months.
It's a simple way to finish the year strong and start the next one on better financial footing.
*The discount of 1% off qualified rate on Personal Loans (ex. If your qualified rate is 10.49%, your discounted rate would be 9.49% on a 60-month loan; sample payment is $22 per $1,000 borrowed). Not all will qualify for the lowest rate. Offer/rate may vary based on individual credit history. All loans subject to credit approval. A $200 document preparation fee may be financed. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. No prepayment penalties apply. This credit union is federally insured by the National Credit Union Administration. Additional insurance of $1,250M is available through ESI. 10/01/2026 – 12/31/2026.
Get $100 for Checking That Keeps Up With You
Open a no-fee Smart Checking account with Unity Catholic, and we'll deposit $100* into your Unity savings account.
You'll get free mobile banking, Bill Pay, credit monitoring, debit card security, and fraud alerts, with no minimum balance to worry about.
Use your Mastercard Debit Card anywhere Mastercard is accepted, or add it to your mobile wallet for tap-and-go convenience. Overdraft protection is available too.
*Offer valid for new Unity Catholic Federal Credit Union Smart Checking accounts. Offer not available to existing checking members or to those with a Money Market Checking or a draft account that has been closed within the last 12 months. To receive the $100 savings deposit, members must sign up for direct deposit(s) totaling $250 per month, with direct deposit received within 60 days of account opening, sign up for home banking, and have an active Mastercard Debit Card. The credit will be deposited by 04/15/2027 with notification sent to the email address on file. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. Federally insured by NCUA. Additional insurance up to $1,250,000 through ESI, a licensed insurance company, and an Equal Housing Lender. 10/01/2026 – 12/31/2026.
Go Paperless, Get $25
Sign up for eStatements through Unity Catholic Online Banking or our Mobile App, and we'll deposit $25* into your Unity savings account.
eStatements are more secure than mailed statements. You'll get a monthly or quarterly email letting you know when your statement is ready, and you can download it safely anytime in Home Banking or the Mobile App. It only takes a minute.
*To qualify for the $25 bonus savings deposit, you must sign up for eStatements through Unity Catholic Federal Credit Union (UCFCU) home banking or mobile app from 10/01/2026 – 12/31/2026. The bonus will be deposited to the share account by 01/31/2027 for members in good standing. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. Federally insured by NCUA. Additional insurance up to $1,250M through ESI, a licensed insurance company, and an Equal Housing Lender. 10/01/2026 – 12/31/2026.
Get Paid to Be a Good Friend
$25 for You. $25 for Them!
Refer a friend to join Unity Catholic FCU, and you both could score $25. Fill out our electronic or paper referral form. Don't miss out on this opportunity to make money while sharing the joy of seamless banking experiences!
*To qualify for the promotion, the referring member should complete the referral form (electronic or paper) including the existing and new members name at the time of the account opening. *For both the referring member and the new member to qualify for the $25 reward the new member must open a Regular Share account with at least $5 and it must remain open, active and in good standing for a minimum of 60 days. If the new member opens additional qualifying services within 60 days of the original membership join date, they will qualify for $15. Per additional service. Up to 5 additional services are allowed for a maximum payout of $100. Qualifying services are active Checking, MasterCard Debit Card, Bill Pay, Visa Credit Card and all Loans. Both the referring member and the new members' accounts must be active and in good standing at the time the reward is paid. Rewards will be deposited only after the new accounts remain open and active for a minimum of 60 days. All Unity Catholic Federal Credit Union programs are subject to change/end at any time without notice. This credit union is federally insured by the National Credit Union Administration. Additional insurance of $250K available through ESI. Equal Housing Lender