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 (2023 - 2022 Model Years) |
6.59†% |
60 Mos |
Used Automobile (2022 - 2019 Model Years) |
6.69†% |
60 Mos |
Used Automobile (2018 Model Year) |
6.99†% |
60 Mos |
Used Automobile (2017 - 2016 Model Years) | 7.49†% |
60 Mos |
Used Automobile (2015 Model Year) | 7.99†% |
48 Mos |
Personal Loan (Signature - Unsecured) | 10.75†% |
60 Mos |
Share Secured (Share rate plus 2%, minimum 3.00%) | 3.00†% |
60 Mos |
Home Equity - Fixed Rate |
Call for rates on all terms. |
|
Home Equity - Fixed Rate 2nd Lien Position (80% LTV) Fees apply. Contact our Loan Specialists for fee information. |
5.50†% |
60 Mos |
5.75†% |
84 Mos | |
6.00†% |
120 Mos | |
6.50†% |
180 Mos |
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 |
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 |
0.75% |
0.75% |
6 Mos |
Share Certificate of Deposit - 12 months |
1.75% |
1.70% |
12 Mos |
Share Certificate of Deposit - 18 months |
2.00% |
2.02% |
18 Mos |
Share Certificate of Deposit - 24 months |
2.25% |
2.27% |
24 Mos |
Share Certificate of Deposit - 36 months |
2.50% |
2.52% |
36 Mos |
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 |
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.
*** 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.