Current Rates

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At Unity Catholic FCU, we maintain competitive rates and terms on all savings and loan products. Click here for our Fee Schedule  and Account Disclosures.


Savings Dividends & Balance Requirements

Effective Date: July 1, 2017 

Type of Account Rate Minimum Balance
Share Account (Savings) 0.15% (0.15% APY) $5
Student Share Account 0.15% (0.15% APY) $5
Christmas Club 0.15%  (0.15% APY) N/A
Share Draft 0.00%  (0.00% APY) N/A


Money Market

Effective Date:  July 1, 2017

Type of Account Rate Minimum Balance
Tier I 0.10% (0.10% APY) $1000 - $4,999.99
Tier II 0.10% (0.10% APY) $5,000 - $24,999.99
Tier III 0.15% (0.15% APY) $25,000 - $74,999.99
Tier IV 0.20% (0.20% APY) $75,000 and up


Money Market Checking Accounts

Effective Date: July 1, 2017

Type of Account Minimum Balance
No Dividends Paid Less than $1,500
0.05% (0.05% APY) $1,500 - $4,999
0.15% (0.15% APY) $5,000 - $9,999
0.15% (0.15% APY) $10,000+


Term Share Certificates

Effective Date: July 1, 2017

Term Rate Minimum Balance
Term Share (6 months) 0.25%  (0.25% APY) $500.00
Term Share (1 Year) 0.40%  (0.40% APY) $500.00
Term Share (2 Year) 0.75%  (0.75% APY) $500.00
Term Share (3 Year) 1.00%  (1.00% APY) $500.00
Term Share (4 Year) 1.25%  (1.26% APY) $500.00
Term Share (5 Year) 1.60% (1.61% APY) $500.00


Individual Retirement Accounts

Effective Date: July 1, 2017

Type of Account Rate Minimum Balance
IRA Share Account  0.30% (0.30% APY) $50.00
IRA Share Certificate (1 Year)  0.45% (0.45% APY) $500.00
IRA Share Certificate (2 Year)  0.80% (0.80% APY) $500.00
IRA Share Certificate (5 Year) 1.65% (1.66% APY) $500.00


Loan Rates & Terms

Rates effective as of July 1, 2017


Vehicle Loans

Type of Loan Term APR (as low as)
Model Year 2015-2017* 84 months 3.74% (1,2,3,4,5)
Model Year 2015-2017* 72 months 2.74%  (1,2,4,5)
Model Year 2015-2017* 60 months 2.49%  (1,2,4,5)
Model Year 2015-2017* 48 months 2.24%  (1,2,4,5)
Model Year 2010-2014* 72 months 3.49%  (1,2,3,4,5)
Model Year 2010-2014* 60 months 2.99%  (1,2,4,5)
Model Year 2010-2014* 48 months 2.49%  (1,2,4,5)
Model Year 2009 and Older 60 months 5.24%  (1,2,4,5)
Model Year 2009 and Older 48 months 4.99%  (1,2,4,5)


Personal Loans

Type of Loan Term APR (as low as)
WHATEVER = Personal Loans + 60 months 8.74% (1,2,5)
WHATEVER = Personal Loans + 36 months 8.24% (1,2,5)
Share Secured 60 months 2.65%
Share Secured 61-120 months 3.15%
Term Share Certificate Secured Share Term Certificate Rate plus 2.00%
Tuition 12 months 6.99%
Home Improvement 66 months 6.74% (1,2,5)


Visa Credit Cards

Type of Loan Maximum Term APR
VISA® Purchases Revolving 9.99%
VISA® Cash Advances Revolving 9.99%
VISA® Balance Transfer 6 Months 2.99%


Home Loans

Type of Loan Term APR (as low as)
Home Equity Loan  60 months 3.75%~
(fixed rate) 120 months 4.25%~
  180 months 4.75%~
Home Equity Line of Credit Variable Rate 3.75%~
First Mortgage 360 months

For Current Rates Please Call

440-886-2558


APY = Annual Percentage Yield
APR = Annual Percentage Rate

 
BOATS, MOTORCYCLES, AND RECREATIONAL VEHICLES - ADD 1% TO VEHICLE RATES

1 Discount included in as low as rate (0.25%) for direct deposit/auto transfer (excludes Visa Credit Cards).

2 Rate and max. term dependent on credit history and/or age of vehicle.

3 Minimum loan requirement for the term.

4 Discount included in as low as rate (0.25%) for 10% down payment, purchases only.

5 Discount included in as low as rate (0.25%) for e-Statements (member must have homebanking and sign up for e-Statements before loan closing to qualify for discount)

Aggregate discounts not to exceed 0.75%

~All mortgages have a minimum loan advance of $5,000 and require 75%LTV(Loan to Value)

All rates subject to change at anytime and without notice, Unity Catholic Federal Credit Union has a floor rate of 3.25% for New Home Equity Lines of Credit (HELOC) Only, the ceiling rate is 18.00%. Maximum rate change for HELOC is 2.00% per quarter. Repayment is based on 120 months when advance is taken. Members must have a checking account and or auto payment of their loan payment.

Fees may reduce earnings on the account