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 (2025, 2024 and 2023 Model Years)	5.99%	60 Mos
Used Automobile (2023 - 2020 Model Years)	6.24%	60 Mos
Used Automobile (2019 Model Year)	6.54%	60 Mos
Used Automobile (2018 - 2017 Model Years)	7.04%	60 Mos
Used Automobile (2016 Model Year)	7.54%	48 Mos
Personal Loan (Signature - Unsecured)	11.50%	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.	5.75%	60 Mos
	6.00%	84 Mos
	6.25%	120 Mos
	6.75%	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	0.05%	0.05%	n/a

Share & IRA Certificates of Deposit

Share Certificates	Dividend Rate	APY**	Term
Share Certificate of Deposit - 6 months	4.00%	4.07%	6 Mos
Share Certificate of Deposit - 12 months	2.25%	2.27%	12 Mos
Share Certificate of Deposit - 18 months	2.50%	2.53%	18 Mos
Share Certificate of Deposit - 24 months	2.75%	2.79%	24 Mos
Share Certificate of Deposit - 36 months	3.00%	3.04%	36 Mos

Substantial Penalty For Early Withdrawal.
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
*** Available for a limited time only. Not available in IRA Certificates
Rates effective as of November 5, 2024

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	$10.00
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
Cashiers Check	$5.00
Money Orders	$1.00
Research Per Hour	$20.00
Verification of Deposit	$10.00
Garnishment/Levy/Subpoena	$50.00 (plus legal fees)
Acct Closure (within 90 days of opening)	$15.00
Invalid Address	$5.00/mo.
Dormant Account (24 mos)	$5.00/mo.
Escheat Processing	$50.00

VISA/Debit Cards	Fee
Fee at UCFCU Machines	None
VISA/Debit Card Replacement	$10.00

*Assessed Monthly when aggregate balances held in shares and loans fall below $25.00.