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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 (2024 - 2023 Model Years)
6.89%
60 Mos
Used Automobile (2023 - 2020 Model Years)
6.99%
60 Mos
Used Automobile (2019 Model Year)
7.29%
60 Mos
Used Automobile (2018 - 2017 Model Years)
7.79%
60 Mos
Used Automobile (2016 Model Year)
8.29%
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.
5.25%
60 Mos
 
5.50%
84 Mos
5.75%
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
0.05%
0.05%
n/a

Share & IRA Certificates of Deposit

Share Certificates
Dividend Rate
APY**
Term
Share Certificate of Deposit - 6 months
4.50%
4.59%
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 December 18, 2023

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
Transactions at Foreign Machines (all others)*** $.50 ea.
VISA/Debit Card Replacement $10.00

*Assessed Monthly when aggregate balances held in shares and loans fall below $25.00.
***Each month two foreign transactions are free. If you have your pay direct deposited via payroll deduction or ACH, the 2-free foreign transactions increase to 8 per month. All fees will be deducted at the time of the transaction.



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