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  • The Annual Dinner Meeting is fast approaching! So please join us for an evening of fellowship, giveaways and a fabulous meal catered by Shuler's Restaurant.

    Stop in the Credit Union or call 782-6476 to get your tickets today, it's only $14 per member, ask about non-member pricing.

     

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Business Services: If you are one of commercial business banking clients, click here and find out more on lowering costs.

LOAN RATES:  *call for current rates

                                 (315) 782-6476

                          *as rates & terms have changed

*Must be a current member for 6 months & and your account must be in "good standing" too receive an Unsecured Loan.

UNFCU Will Match Any Offered Rate!!!!**

Interest Rates May be Reduced By Qualifying For:

Direct Deposit w/ Payment Transfer = 0.25%*

Loan Holding Agreement (Share 4) = 0.25%*

 

Member 10+ Years= 0.50%*

*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%.
           
CREDIT RATING:   A RATING B RATING C RATING D RATING
LOAN TYPE   APR* APR* APR* APR*

New Vehicles / Motorcycles
(less than 15,000 miles)

          
           
           

Used Vehicles/Refinanced/Motorcycles
(+15,000 miles)

          
60 Months          
up to 48 Months          

Classic Cars
(+20 Years)

          
60 Months          

New Used Boats Campers/RV's

          
60-180 Months          
up to 60 Months          
* No extra deductions for "D" scores          

New ATV's/Snowmobiles

          
60 Months          
Up to 48 Months          
* No extra deduction for "D" scores          

Used ATV's / Snowmobiles

          
48 Months or Less          

Unsecured

          
60 Months         N/A
48 Months         N/A
36 Months * D scores          

Debit Consolidation

          
60 Months         N/A
48 Months         N/A
36 Months * D scores          

Line of Credit

          
60 Months or Less         N/A

Home Improvement Loans

          
120 Months       N/A N/A
60 Months         N/A
48 Months         N/A
36 Months * D scores          

Shared Secure

          
Less than 72 Months          

Notes

          
90          
60          
30          

 

          
           
           
           

Heavy Equipment

          
72 Months       N/A N/A
60 Months         N/A
48 Months         N/A
Less than 47 Months         N/A

Vacation Loans

          
48 Months/no discounts          
36 Months/no discounts          
24 Months/no discounts          
12 Months/no discounts          
All of the above loans are closed-end/fixed payment loans

Home Equity Loans 650+credit score required
    APR APR APR APR
60 months @80%   3.25 3.75 N/A N/A
61-120 months @80%   4.25 4.75 N/A N/A
121-180 months @80%   5.25 5.75 N/A N/A
60 months @90%   5.75 6.75 7.25 N/A