Pay My Loan Locations Contact Us Join

Lending Rates

UKFCU's competitive borrowing rates fit your budget.

Effective Date: 6/16/2025

Amount FinancedAnnual Percentage Rate (APR)
New/Used Vehicle - Terms 36 Months or Less
As low as 3.99% APR*
New/Used Vehicle - Terms 37 to 60 Months
As low as 4.99% APR*
New/Used Vehicle - Terms 61 to 75 Months
As low as 5.24% APR*
New/Used Vehicle - Terms 76 to 84 Months
As low as 6.24% APR*
New/Used Motorcycle
As low as 7.74% APR**
New/Used ATV/UTV
As low as 8.24% APR**
New/Used Boat/Jet Ski/RV - 72 months or less
As low as 6.99% APR**
New/Used Boat/Jet Ski/RV - 73 months or greater
As low as 7.74% APR**
Other Secured Auto - Term 48 Months or Less
As low as 7.74% APR***
Other Secured Auto - Term 49 to 72 Months
As low as 7.99% APR***

*Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates shown include the 1% Buy-Down Program discount and no additional discount is available beyond these rates. Terms and conditions may apply. Rates are effective as of 6/16/25.

** Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates are effective as of 9/21/23.

*** Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates shown include the 0.25% Buy-Down Program discount and no additional discount is available beyond these rates. Terms and conditions may apply. Rates are effective as of 3/24/25.

Effective Date: 12/19/2024

Loan TypeAnnual Percentage Rate
First Mortgage
Contact a Mortgage Representative for rate details
Fixed Home Equity Loan
As low as 7.24% APR*
Home Equity Line of Credit (HELOC)
6.50% APR**

*Annual Percentage Rate. All rates are subject to credit approval, terms and subject to change without notice. Rates are effective as of 12/19/24.

**Home Equity Line of Credit rate is Prime minus 1%, with a floor of 3.00% APR. Terms and conditions may apply. Rates are effective as of 12/19/24.

Effective Date: 12/19/2024

CardGrace PeriodAnnual FeeAPRCurrent APR
Visa® Platinum
25 days
$0.00
As low as Prime + 3.99% APR*
11.49% APR*
Visa® Signature Card
25 days
$0.00
As low as Prime + 6.49% APR*
13.99% APR*

* Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. Rates are effective as of 12/19/24.

Effective Date: 12/19/2024

Loan TypeAnnual Percentage Rate
Signature/Unsecured
As low as 11.49% APR*
Vacation
As low as 9.99%. APR*
100% Share Secured
As low as 3.00% APR*
Certificate Secured
3.00% APR* above the Share Certificate dividend rate

* Annual Percentage Rate. All rates are subject to credit approval, terms and subject to change without notice. Rates are effective as of 12/19/24.

Effective Date: 12/19/2024

Loan TypeAnnual Percentage Rate (APR)
Overdraft Protection
As low as 10.99% APR*

*Annual Percentage Rate. All rates are subject to credit approval and subject to change without notice. Rate is effective as of 12/19/24.

Your goals + our loans = One big step forward

Whether it's a new home, a second car or three kids in college, we've got your loan solution.

Quick Links

Getting you where you want to go.

Not a Member Yet?

Applying is fast and easy!

You will need the following information in order to complete the application:

  • Government issued ID/Drivers License/State ID or Passport with current address
  • Your complete physical and mailing address
  • Social Security Number
  • Date of Birth
Get Started