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Rates page heading

Loans

Other rates and terms are available. Rates are subject to change without notice. Why not apply on-line today?

Loan

Rate as low as

Term

New Automobile (2017 – 2018 Model Years)
2.74%
60 Mos
Used Automobile (2015 - 2016 Model Years)
2.94%
60 Mos
Used Automobile (2013 - 2014 Model Year)
3.24%
60 Mos
Used Automobile (2012 Model Years)
3.54%
60 Mos
Used Automobile (2011 Model Year)
3.74%
48 Mos
Used Automobile (2010 Model Year)
4.04%
48 Mos
Personal Loan (Signature - Unsecured)
10.50%
60 Mos
Share Secured (Share rate plus 2%, minimum 3.00%)
3.00%
60 Mos

Home Equity - Fixed Rate
1st Lien Position
Fees apply. Contact our Loan Specialists for fee information.

Call for rates on
all terms.
Home Equity - Fixed Rate
2nd Lien Position (80% LTV)
Fees apply. Contact our Loan Specialists for fee information.
3.00%
60 Mos
 
3.75%
84 Mos
4.75%
120 Mos
6.25%
180 Mos

Share Rates

Start saving today with payroll deduction or direct deposit. Why not start today - call for details!

Share Rates
Dividend Rate
APY**
Term
Regular Shares (Minimum balance $5.00)
0.05%
0.05%
n/a
Christmas Club
0.05%
0.05%
n/a
Special Club Shares
0.05%
0.05%
n/a
IRA Shares
0.10%
0.10%
n/a

Share & IRA Certificates of Deposit

CD rates change every Wednesday, you can open your Share Certificate of Deposit over the telephone, call us today.

Share Certificates
Dividend Rate
APY**
Term
Share Certificate of Deposit - 6 months
0.10%
0.10%
6 Mos
Share Certificate of Deposit - 12 months
0.15%

0.15%

12 Mos
Share Certificate of Deposit - 18 months
0.25%
0.25%
18 Mos
Share Certificate of Deposit - 24 months
0.35%
0.35%
24 Mos
Share Certificate of Deposit - 36 months
0.55%
0.55%
36 Mos
Substantial Penalty For Early Withdrawal.
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
†Rate reflects an autopay discount.

Schedule of Service Fees and Charges

Service Fee or Charge Description Fee
Low Balance Fee* $2.00/mo.
Check Copy $3.50
Return of Deposited Check $5.00
Automatic Overdraft - Transfer from Shares $5.00
Stop Payment of Check/ACH $32.00
Non-Sufficient Funds Checks/ACH/EFT $32.00
On-line Bill Pay** FREE
Outgoing Wire $20.00
International Wire $39.00
Cashiers Check $5.00
Money Orders $1.00
Research Per Hour $20.00

VISA/Debit Cards
Fee at UCFCU Machines None
Transactions at Foreign Machines (all others)*** $.50 ea.
VISA/Debit Card Replacement $10.00

* Assessed monthly when aggregate balances held in shares and loans falls below $25.00.
**Bill Pay - you will be required to pay at least one (1) bill per month in order to avoid a monthly $3.50 service fee.
*** Each month two foreign transactions are free. If you have your pay direct deposited via payroll deduction or ACH, the 2 free foreign transactions increases to 8 per month. Any foreign transactions over these limits will be charged .50 per transaction.



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