Office Hours     (315) 782-6476      (315) 782-6930      605 Coffeen Street Carbone Bros. Plaza Watertown, NY 13601


united neighbors fcu loan rates

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Competitive loan rates



Please call for current rates. (315) 782-6476

UNFCU will match any offered rate!** Interest rates may be reduced by qualifying for:
Direct deposit with payment transfer = 0.25%*
Loan holding agreement (share 4) = 0.25%*
Member 10+ years = 1.00%*

*All loans are subject to the terms & conditions of UNFCU loan policy and procedures; in compliance with NCUA guidelines. *(**)Rate reductions can not be applied to Home Equity Loans, Home Improvement Loans, Line of Credit, Share Secured, or Credit Builders. Qualifying members can receive a maximum of 1.50% reduction, but no interest rate can be less than 1.99%.

Rates as of 6/1/2019. Rates are subject to change

Share Dividends

Amount Dividends
Under $50.00 No dividends
$50.00 - $9,999.99 0.20%
$10,000.00 and up 0.30%

Christmas Club

Amount Dividends
$50.00 and over 0.30%

Youth Share Dividends

Amount Dividends
$50.00 and over 0.85%

Term Share Certificates

Term

APR**

APY*

6 months** 1.85% 1.86%
12 months** 2.00% 2.02%
24 months** 2.25% 2.27%

*APY=ANNUAL PERCENTAGE YIELD. ** APR = Annual Percentage Rate ***Members must provide a seven(7) day notice to close a Term Share Certificate. This time frame is subject to change. Early Withdrawal Penalties:
-Six(6) Month Certificate – Penalty of three(3) months of interest or $25.00 whichever is greater.
-Twelve(12) Month Certificate and Twenty-four(24) Month Certificate – Penalty of six(6) months of interest or $75.00 whichever is greater.

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