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%.

Term Share Certificates

Rates as of 3/15/2014. Rates are subject to change


Minimum deposit


12 months** $1,000 – $2,499.99 0.85%
12 months** $2,500 – $49,999.99 0.85%
12 months** $50,000 – $250,000.00 0.85%
24 months** $50,000 – $250,000.00 0.85%
3 year CD's 1.1%

*APY=ANNUAL PERCENTAGE YIELD. **Early withdrawal penalties will be applied, 30 day notice for withdrawal is required, 6 months of interest or $75.00 whichever is greater will be applied for early withdrawals.

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