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Rate Information
At Unity Catholic FCU, we maintain competitive rates and terms on all savings and loan products.
EFFECTIVE DATE:
Deposit Rates
Savings Accounts
| Type of Account | Rate | Minimum Balance |
|---|---|---|
| Share Account (Savings) | 0.05% (0.05% APY) | $5 |
| Student Share Account | 0.05% (0.05% APY) | $5 |
| Christmas Club | 3.00% (3.04% APY) | N/A |
| Vacation Club | 3.00% (3.04% APY) | N/A |
| Share Draft | 0.00% (0.00% APY) | N/A |
Money Market Savings
| Type of Account | Rate | Minimum Balance |
|---|---|---|
| Tier I | 0.20% (0.20% APY) | $1000 - $4,999.99 |
| Tier II | 0.40% (0.40% APY) | $5,000 - $24,999.99 |
| Tier III | 0.60% (0.60% APY) | $25,000 - $74,999.99 |
| Tier IV | 0.80% (0.80% APY) | $75,000 and up |
Money Market Checking
| Type of Account | Rate | Minimum Balance |
|---|---|---|
| Tier I | No Dividends Paid | Less than $1,500 |
| Tier II | 0.15% (0.15% 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 Share Certificates
IRAs
| Type of Account | Rate | Minimum Balance |
|---|---|---|
| IRA Share Account | 0.20% (0.20% APY) | $50 |
| IRA Share Certificate (1 Year) | 3.65% (3.70% APY) | $500 |
| IRA Share Certificate (2 Year) | 3.55% (3.60% APY) | $500 |
| IRA Share Certificate (5 Year) | 3.60% (3.65% APY) | $500 |
Loan Rates
Auto Loans
| Type of Loan | Term | APR (as low as) | Payment Example per $1,000. |
|---|---|---|---|
| Model Year 2021-2026* | 84 months | 6.24% (1,2,3,4,5,6) | $15 |
| Model Year 2021-2026* | 72 months | 5.49% (1,2,3,4,5,6) | $17 |
| Model Year 2021-2026* | 60 months | 4.99% (1,2,3,4,5,6) | $19 |
| Model Year 2021-2026* | 48 months | 4.74% (1,2,3,4,5,6) | $23 |
| Model Year 2016-2020* | 72 months | 6.99% (1,2,3,4,5,6) | $18 |
| Model Year 2016-2020* | 60 months | 5.999% (1,2,3,4,5,6) | $20 |
| Model Year 2016-2020* | 48 months | 5.74% (1,2,3,4,5,6) | $24 |
| Model Year 2015 and Older | 60 months | 8.24% (1,2,3,4,5,6) | $21 |
| Model Year 2015 and Older | 48 months | 7.99% (1,2,3,4,5,6) | $25 |
Personal Loans
| Type of Loan | Term | APR (as low as) | Payment Example per $1,000 |
|---|---|---|---|
| Personal Loans + | 60 months | 10.99% (1,2,5) | $22 |
| Personal Loans + | 36 months | 10.49% (1,2,5) | $33 |
| Share Secured | 60 months | 2.55% | $18 |
| Share Secured | 61-120 months | 3.05% | $10 for max term |
| Term Share Certificate Secured | Share Term | Certificate Rate plus 2.00% | Call 888-815-6571 for payment details |
| Tuition | 12 months | 6.99% | $87 |
| Home Improvement | 66 months | 10.24% (1,2,5) | $20 |
Credit Cards
| Type of Loan | Maximum Term | APR |
|---|---|---|
| VISA® Purchases | Revolving | 11.99% |
| VISA® Cash Advances | Revolving | 11.99% |
Home Loans
| Type of Loan | Term | APR (as low as) | Payment Example per $1,000 |
|---|---|---|---|
| Home Equity Loan | 60 months | 5.25%2 | 20 |
| (fixed rate) | 120 months | 5.50%2 | 11 |
| 180 months | 5.75%2 | 9 | |
| Home Equity Line of Credit | Variable Rate | 6.25%2 | Tiered amortization based on outstanding balance Example of payment for $1,000, 120 months = $12 |
| First Mortgage | 360 months | Call 888-815-6571 for current rates | Call 888-815-6571 for payment example |
Additional Information
APY = Annual Percentage Yield
APR = Annual Percentage Rate
*BOATS, MOTORCYCLES, AND RECREATIONAL VEHICLES - ADD 1% TO VEHICLE RATES
1 = Includes discount (0.25%) for direct deposit/auto transfer (excludes Visa Credit Cards).
2 = Rate and maximum term dependent on credit history and/or age of vehicle.
3 = Minimum loan requirement for the term.
4 = Includes discount (0.25%) for 10% down payment (Vehicle Purchase Only).
5 = Includes discount (0.25%) for e-Statements (member must have home-banking and e-Statements before loan closing).
6 = Includes discount (0.25%) with purchase of GAP, Warranty or Credit Life/Disability Insurance.
Maximum Aggregate discounts of 1.00% included in the as low as rate.
~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.
APR = Annual Percentage Rate
*BOATS, MOTORCYCLES, AND RECREATIONAL VEHICLES - ADD 1% TO VEHICLE RATES
1 = Includes discount (0.25%) for direct deposit/auto transfer (excludes Visa Credit Cards).
2 = Rate and maximum term dependent on credit history and/or age of vehicle.
3 = Minimum loan requirement for the term.
4 = Includes discount (0.25%) for 10% down payment (Vehicle Purchase Only).
5 = Includes discount (0.25%) for e-Statements (member must have home-banking and e-Statements before loan closing).
6 = Includes discount (0.25%) with purchase of GAP, Warranty or Credit Life/Disability Insurance.
Maximum Aggregate discounts of 1.00% included in the as low as rate.
~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.