Find Your Rates

Special Loan Rate Discount Offer!
This discount applies to vehicle, student, and personal loans only.
 

We have a new special rate discount offer, (1-year share certificate (CD) at a rate of 4.00%).

  • Make an initial deposit (new money) of $5,000.00, or more, to a credit union share certificate (CD)
    and receive .25% off on your loan approved interest rate, or
  • Make an initial deposit (new money) of $10,000.00, or more, to a credit union share certificate (CD)
    and receive .50% off your loan approved interest rate.  All rates and offers are subject to change without notice.

Credit Cards

 Rates Effective as of 6/1/2024

Visa® Credit Cards

Visa® Credit Cards APR* Amount
Visa® Gold 7.75% to 13.75% Up to $20,000
Visa® Platinum Rewards 9.75% to 14.75% Up to $20,000

* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index.  It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.

Credit limits up to $3,000 require a minimum 680 FICO credit score.

Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
Credit  limits over $10,000 require a minimum 760 FICO credit score.
You must be a member of UFCU to apply.

Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.

Mortgages


Our mortgage rates are being updated frequently! based on the market. 
For additional information please contact john.holtzhauer@unilever.com; 973-945-1057.  

Rates Effective as of 6/14/2024
NMLS – Nationwide Mortgage Licensing System # 457994

 1st Fixed-Rate Mortgages  (Loan Amounts up to $766,550.00)

Loan Type Term Interest Rate
Points APR*
15 YR Fixed 15 Yrs 6.125%     0  6.204%
20 YR Fixed 20 Yrs 6.25%      0  6.313%
30 YR Fixed-Amounts:
$500,000-$766,550
30 Yrs 6.625%     0  6.674%
30 YR Fixed-Amounts:
$250,000-$500,000
30 Yrs 6.50%     0  6.539%
30 YR Fixed-Amounts:
$200,000-$250,000
30 Yrs 6.50%     0  6.558%
30 YR Fixed-Amounts:
$150,000-$200,000

30 Yrs 6.50%     0  6.573%
30 YR Fixed-Amounts:
less than $150,000

30 Yrs 6.50%     0  6.597%


Fixed-Rate Mortgages: Conforming, High-Cost Area

(Loan Amounts Between $766,550.00 and $1,149,825.00 **
Based on county where property is located)

Loan Type  Term Interest Rate Points
APR*
30 YR Fixed 30 Yrs  6.75%     0  6.781%

*APR= Annual Percentage Rate.

All mortgage loans must meet Credit Union credit approval requirements  and must be owner-occupied or 2nd home/vacation home.  Actual rate and term will be based on your credit worthiness and your ability to repay.  UFCU reserves the right to withdraw this offer at any time.  Rates are subject to change without further notice. Certain costs and restrictions may apply.  You must be a member of UFCU to apply.

**First Mortgage Conforming Loans Between $766,550.00 & $1,149,825.00 (High Cost Counties)
Loan amounts between $766,550.00 & $1,149,825.00 are available in “high-cost” Counties only.

To determine if your home is in a “high-cost” County, Click here.

Require a minimum FICO credit score of 700 (for down payments of less than 20%, a minimum mid-FICO score of 760 is required for each borrower).

Call us at 973-945-1057 or email john.holtzhauer@unilever.com for qualifying details.

Vehicle / Personal Loans

Rates Effective as of 6/1/2024

Vehicle Rates**

Loan Type
New & Pre-owned
Term APR*
Car, Van, Truck 24 months 5.125%
Car, Van, Truck 36 months 5.375%
Car, Van, Truck 48 months 5.625%
Car, Van, Truck 60 months 5.875%
New Only 72 months 6.25%

Personal Loans**

Loan Type Term APR* Amount
Personal Up to 48 months 9.75% – 16.9% Up to $20,000**


Stock Secured Loan

Loan Type Term APR*
New York, NASDAQ Up to 60 months 8.00%

*APR= Annual Percentage Rate. The actual APR of the loan is based upon credit score and capability to repay loan.  Rates are subject to change without further notice.  Limited time offer.  Must be a UFCU member  to apply.
**Personal and Vehicle Loans
The posted interest rates are for current model year vehicles, and 3 previous model year vehicles (2024-2021).
The maximum repayment term for model years 2017 and older is 48 months.
Vehicle model years 2016 thru 2020-add 100 basis points to the posted vehicle interest rates.
Vehicle model years 2013 thru 2015-add 200 basis points to the posted vehicle interest rates.

Personal Loans and Vehicle Loans under $5,000 require a minimum 720 FICO Credit Score.
Personal Loans and Vehicle Loans over $5,000 require a minimum 760 FICO Credit Score.

 Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.

Boats/RVs Loans

Rates Effective as of 6/1/2024

Recreational Vehicle Loans

Product APR* Rate Type Max Term
New Boat/RV 5.25% Fixed 60 Months
New Boat/RV 5.75% Fixed 72 Months
New Boat/RV 5.875% Fixed 84 Months
New Boat/RV 6.125% Fixed 96 Months
New Boat/RV 6.50% Fixed 120 Months
New Boat/RV 6.625% Fixed 132 Months
New Boat/RV 6.75%  Fixed 144 Months
New Boat/RV 6.875%  Fixed 156 Months
New Boat/RV 7.00%  Fixed 168 Months
New Boat/RV 7.25% Fixed 180 Months
Product APR* Rate Type Max Term
Used Boat/RV 5.50% Fixed 60 Months
Used Boat/RV 5.875% Fixed 72 Months
Used Boat/RV 6.00% Fixed 84 Months
Used Boat/RV 6.25% Fixed 96 Months
Used Boat/RV 6.625% Fixed 108 Months
Used Boat/RV 6.75% Fixed 120 Months
Used Boat/RV 7.00% Fixed 132 Months
Used Boat/RV 7.25% Fixed 144 Months
Product APR* Rate Type Max Term
Jet Skis
Wave Runners
10.75% Fixed 36 Months

*Annual percentage rate. Loans on approved credit. Actual APR based on credit worthiness.
Rate is subject to change at any time without notice.
Loan term maximum for New Boat/RV is 180 months. Used Boat/RV 144 months.
Maximum amount financed $250,000.00
Minimum required FICO Score of 760.  Minimum down payment of 15%.
Full coverage physical damage insurance required.
Existing UFCU loans cannot be refinanced; applies to new loans only. Membership required.

Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.


Student Refinance Loan

Rates Effective as of 6/1/2024

Student Refinance Loan Rates

Loan Type Term APR*
Student Refinance 96 months 5.99%
Student Refinance 84 months 5.75%
Student Refinance 72 months 5.50%
Student Refinance 60 months 5.375%
Student Refinance 48 months 5.25%
Student Refinance 36 months 5.125%
Student Refinance 24  months 4.875%

*APR= Annual Percentage Rate.
The actual APR of the loan is based upon credit score and capability to repay loan.
Rates are subject to change without further notice.  We reserve the right to modify or discontinue.
The maximum amount to borrow is $50,000.
Loans under $10,000 require a 700 minimum FICO credit score.
Loans between $10,001 and $20,000 require a 740 minimum FICO credit score.
Loans between $20,001 and $50,000 require a 760 minimum FICO credit score.
You must be a member of UFCU to apply.

Call us at 973-945-1057, 203-816-4069 or email John.Holtzhauer@Unilever.com for qualifying details.


Savings

Rates Effective as of 6/1/2024

Money Market

Account Type Rate APY
Tier I
($2,500 to $9,999)
0.20% 0.20%
Tier II
($10,000 to $49,999)
0.30% 0.30%
Tier III
($50,000 and over)
0.50% 0.50%
MONEY MARKET II
No minimum required
0.52% 0.52%

Share Certificates – Please call 203-816-4041 for our Share Certificate Specials

Account Type $1,000 $10,000 $75,000+
Rate APY Rate APY Rate APY
3 months 0.75% 0.75% 0.75% 0.75% 0.75% 0.75%
6 months 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
12 months 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
18 months 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
24 months 1.80% 1.80% 1.80% 1.80% 1.80% 1.80%
30 months 1.80% 1.80% 1.80% 1.80% 1.80% 1.80%
36 months 2.00% 2.00% 2.00% 2.00% 2.00% 2.00%
48 months 2.25% 2.25% 2.25% 2.25% 2.25% 2.25%
60 months 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%

Regular Share Accounts

Account Type Rate APY
1st Quarter Actual 0.10% 0.10%
2nd Quarter Estimate 0.10% 0.10%

Rates are subject to change without further notice.
Upon maturity, share certificates are renewed automatically for the same term and at the current rate, unless you specify otherwise.
Share Certificates are subject to an early withdrawal penalty.
You must be a member of UFCU to apply.
Certain cost and restriction may apply.
Minimum deposit amounts:
Money Market Accounts = $2,500.
Share Certificates = $1,000.
Roth or Traditional IRA = $500.

Call us at 203-816-4041 or email beverly.lazzaro@Unilever.com for details.