| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| From $50.00 and up | 0.10% | 0.10% |
Share Certificates (Early Withdrawal Penalty May Apply)
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 3 month SC ($1,000 minimum) | NOT OFFERED | N/A |
| 6 month SC ($1,000 minimum) | 3.00% | 3.034% |
| 8 month SC Jumbo Special $150,000 minimum balance (*) | 4.50% | 4.577% |
| 10 month SC Special - NEW FUNDS ONLY - ($1,000 minimum) (*) | 4.90% | 4.991% |
| 12 month SC ($1,000 minimum) | 4.15% | 4.215% |
| 15 month SC Special ($1,000 minimum) (*) | NOT OFFERED | N/A |
| 18 month SC ($1,000 minimum) | 3.35% | 3.392% |
| 24 month SC ($1,000 minimum) | 3.35% | 3.392% |
| 36 month SC ($1,000 minimum) | 3.40% | 3.444% |
| 48 month SC ($1,000 minimum) | 3.45% | 3.495% |
| 60 month SC ($1,000 minimum) | 3.50% | 3.546% |
Rates as of July 20, 2023. 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.
* 08 month and 10 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 July 20, 2023. Special SC open for limited time and offer period may close at any time. UkrNatFCU reserves the righ to limit the amount of deposits accepted into this type of share certificate.
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| From $50.00 to $2,499.99 | 0.10% | 0.10% |
| From $2,500.00 and up | 0.20% | 0.20% |
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Passbook | 1.00% | 1.004% |
| 3 year IRA Share Certificate | 4.00% | 4.060% |
| Term | Rate As Low As * | Comments |
|---|---|---|
| Up to 5 years | 5.50% | 10% down payment |
| 7 years (Minimum loan balance of $40,000.00) | 5.75% | 10% down payment |
Used Car Loans (Maximum age of car - Last 5 Model Years)
| Term | Rate As Low As * | Comments |
|---|---|---|
| Up to 5 years | 6.50% | 15% down payment |
| 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 |
Loan Rates effective July 20, 2023. Rates are subject to change without prior notice.
* Loan 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.
** Members without permanent resident status may be charged up to 1.0 origination points and 0.50% added to the loan rate.
First Mortgage - Residential Conforming (non-Jumbo)
For Jumbo Mortgages - add 0.25% to the posted rate. For multi-family property - add 0.25% to the posted rate.
For CO-OP - add 1.00% to the posted rate
For Vacation Home / Second Residence - 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.
** Members without permanent resident status may be charged up to 1.0 origination points and 0.50% added to the loan rate.
| Term | Rate as Low As* | Comments |
|---|---|---|
| 1 year ARM (30 year payout) | not offered | |
| 3/1 year ARM (30 year payout) | 5.75% | Up to 1.0 points** |
| 5/1 year ARM (30 year payout) | 6.00% | Up to 1.0 points** |
| 7/1 year ARM (30 year payout) | 6.25% | Up to 1.0 points** |
| 10/1 year ARM (30 year payout) | not offered | |
| 15/1 year ARM (30 year payout) | not offered | |
| 10 year fixed | not offered | |
| 15 year fixed | 6.25% | Up to 1.0 points** |
| 20 year fixed | 6.75% | Up to 1.0 points** |
| 30 year fixed (not offered on co-ops) | 7.00% | Up to 1.0 points** |
| Term | Rate |
|---|---|
| Co-Maker - Up to 4 years | 12.00% |
| Signature - Up to 4 years | 12.00% |
| Term | Rate |
|---|---|
| Up to 5 years (Shares) | 2.50% over Savings Yield |
| Up to 5 years (Money Market) | 2.50% over Money Market Yield |
| Up to term of Share Certificate | 2.50% over Share Certificate Yield |
| Term | Rate as Low As* | Comments |
|---|---|---|
| 5/1 years ARM (15 year payout) | 7.65% | Up to 1.0 points** |
| Term | Rate | Comments |
|---|---|---|
| 10 year balloon (10 year draw) | Prime Rate + 1.00 | Ask for Rate |
Construction and Land Loans
| Term | Rate | Comments |
|---|---|---|
| Primary Residence Construction Loan | n/a | not offered currently |
| Vacant Land Purchase | 7.50% | Up to 1.0 points** |
Member Business Loans
COMMERCIAL PROPERTY MORTGAGES
| Term | Rate as Low As* | Comments |
|---|---|---|
| 5/1 ARM/15 Yr Ballon (30 year amortization) | 7.45% | Up to 1.0 points** |
| 12 year Fixed | 7.50% | Up to 1.0 points** |
| 12 year balloon (30 year amortization) | 7.75% | Up to 1.0 points** |
INVESTMENT PROPERTY MORTGAGES (1-4 Family Residential Properties)
| Term | Rate As Low As* | Comment |
| 5/1 ARM / 15 Yr Balloon (30 Yr Amortization) | 6.75% | Up to 1.0 points** |
| 15/1 ARM (30 Yr Amortization) | 7.00% | Up to 1.0 points** |
* Loan 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.
** Members without permanent resident status may be charged up to 1.0 origination points and 0.50% added to the loan rate.
Loan Rates effective July 20, 2023. Rates are subject to change without prior notice.