Rates

Share Savings Accounts

Term Dividend Rate Annual Percentage Yield
From $50.00 and up 0.30% 0.30%

Free Life Savings Insurance, up to $2,000 on your
Passbook Share (Savings) Account!

    

Share Certificates (Early Withdrawal Penalty May Apply)

Term Dividend Rate Annual Percentage Yield
3 month SC ($1,000 minimum) 0.40% 0.401%
6 month SC ($1,000 minimum) 1.60% 1.610%
12 month SC ($1,000 minimum) 1.65% 1.660%
15 month SC ($1,000 minimum) (*) 1.75% 1.762%
18 month SC ($1,000 minimum) 1.60% 1.610%
24 month SC ($1,000 minimum) 1.60% 1.610%
36 month SC ($1,000 minimum) 1.60% 1.610%
48 month SC ($1,000 minimum) 1.60% 1.610%
60 month SC ($1,000 minimum) 1.60% 1.610%

Rates as of February 20, 2020. Rates are subject to change without prior notice.

Annual Percentage Yield assumes that principal and dividends remain on account for the term of the Share Certificate (SC). Dividends on 3 month SC and 6 month SC accrued daily and credited at maturity. Dividends on SC's termed 12 months or longer are accrued daily and credited quarterly. Early withdrawal penalties apply and could reduce earnings and principal on the account.

* 15 month Special SC: Upon maturity, the term share certificate will not renew and its balance will be transfered to the regular  share account. The APY offering is effective form February 20, 2020 and available until April 15, 2020. UkrNatFCU reserves the righ to limit the amount of deposits accepted into this type of share certificate.  

Market Share Accounts

Term Dividend Rate Annual Percentage Yield
From $50.00 to $49,999.99 0.40% 0.40%
From $50,000.00 and up 0.60% 0.60%

IRAs

Term Dividend Rate Annual Percentage Yield
Passbook 1.85% 1.86%
5 year IRA Share Certificate 2.80% 2.83%

New Car Loans

Term Rate As Low As Comments
Up to 5 years 3.75% ** 10% down payment
7 years (Minimum loan balance of $40,000.00) 4.25% ** 10% down payment

Used Car Loans (Maximum age of car - Last 5 Model Years)

Term Rate As Low As Comments
Up to 5 years 4.75% ** 15% down payment

Commercial Vehicles

Term Rate As Low As Comments
Up to 4 years (Maximun loan amount - $45,000.00) - New 7.50%** 25% down payment
Up to 4 years (Maximun loan amount - $45,000.00) - Used 9.50%** 25% down payment

Rates effective February 20, 2020. Rates are subject to change without prior notice.

** Rates are based on creditworthiness, loan-to-value (LTV) and loan purpose, so your rate and terms may differ. All loans are subject to credit approval.

First Mortgage - Residential Conforming (non-Jumbo)

For Jumbo Mortgages  - add 0.25% to the posted rate

For co-ops - add 0.50 to the posted rate

* Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans are subject to credit approval.

Term Rate as Low As* Comments
1 year ARM (30 year payout) 3.00% No Points
3/1 year ARM (30 year payout) 3.05% No Points
5/1 year ARM (30 year payout) 3.10% No Points
7/1 year ARM (30 year payout) 3.25% No Points
10/1 year ARM (30 year payout) 3.30% No Points
15/1 year ARM (30 year payout) 3.10% No Points
10 year fixed 3.15% No Points
15 year fixed 3.25% No Points
20 year fixed 3.65% No Points
30 year fixed (not offered on co-ops) 3.75% No Points

Personal (Consumer) Loans

Term Rate
Co-Maker - Up to 4 years 10.90%
Signature - Up to 4 years 10.90%

Share Secured Loans

Term Rate
Up to 5 years (Shares) 2.25% over Savings Yield
Up to 5 years (Money Market) 2.25% over Money Market Yield
Up to term of Share Certificate 2.25% over Share Certificate Yield

Second Mortgage

Term Rate as Low As* Comments
5/1 years ARM (15 year payout) 5.50% Ask for details

Home Equity Line of Credit (HELOC)

Term Rate Comments
10 year balloon (10 year draw) Prime Rate + 0.50 Ask for Rate

Construction and Land Loans

Term Rate Comments
Primary Residence Construction Loan  n/a not offered currently
Vacant Land Purchase 7.50% No Points

Member Business Loans

(for 1-4 unit properties, deduct 0.25% from posted rate)

* Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans are subject to credit approval.

Term Rate as Low As* Comments
5/1 ARM/15 Yr Ballon (30 year amortization) 4.75% No Points
12 year Fixed 5.25% No Points
12 year balloon (30 year amortization) 5.50% No Points