Mortgage Rates
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Mortgage Loan Product

Mortgage Rates
Effective Date: Sunday, May 19th, 2024
Mortgage Loan ProductsTermsAPR*1
as low as
Estimated Payment per $1,0003
1st Mortgage Fixed up to 30 years Call for current rates  
1st Mortgage Fixed 7 Years 6.24% $14.85
  Fixed 10 Years 6.24% $11.36
  Fixed 15 Years 6.74% $8.85
2nd Mortgage Fixed 7 Years 6.49% $14.97
  Fixed 10 Years 6.49% $11.49
  Fixed 15 Years 6.74% $8.99
Home Equity (Line of Credit)2 Variable    
  ²Intro Rate 18 months, then adjusts to prime plus margin. 6.49% $10.00
Homeowner Loan  Fixed 5 Years 6.49% $19.57
  Fixed 7 Years 6.49% $14.85
  Fixed 10 Years 6.49% $11.61
1st Mortgages 7/1 ARM, 10/1 ARM and 15/1 ARM Variable Call for current rates  

*Annual Percentage Rate =APR
¹Rates quoted are our lowest available.  Actual APR offered may be higher depending upon the applicant’s credit rating and other underwriting.
Property insurance required. Additional terms and conditions may apply.
² The Home Equity Line of Credit introductory discounted rate offered is a fixed rate for a period of 18 months, from the date of HELOCopening. After the introductory rate expiration, the rate will convert to a variable rate Prime plus margin. Adjustment period is semi-annuall yevery July 1 and January 1, maximum cap per adjustment is 1%. 10-year draw period followed by 15-year no-draw amortization. Maximum life of loan cap is 16.50% APR.  The promotional rate is not based on the index plus the applicable Margin.
³Rate quoted includes a .25% discount.

UCFCU offers many Home Loan Products to choose from including FHA and Rental Property up to 30 year financing. Call for details.

UCFCU has been assisting Members with refinancing their HERO Loan (Clean Energy Loan--where their property taxes have increased or will increase).  They were not aware that they could transfer their loan to UCFCU by refinancing.

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