2025 Tax Forms (1098, 1099 INT, and 1042 S) are now available in Online Banking and Mobile Banking for members enrolled in eStatements. Find all tax forms in Online Banking or the Mobile App under eStatements → Document Type → Tax Forms. For more information on tax forms, how to access them, and helpful tips,

Learn More

Please note that due to inclement weather, all SRFFCU locations are closed on Monday, February 23. We apologize for any inconvenience this may cause.
We encourage you to manage your accounts remotely through Online Banking or our Mobile Banking app.

Rates

All rates listed on this page are valid as of January 28, 2026 and are subject to change without notice.
Back Home

Mortgages | Commercial | Home Equity Options | Auto | Personal | Accounts | Certificates

All rates listed on this page are valid as of January 28, 2026 and are subject to change without notice.

Fixed Rate Mortgages

Fixed Rate | Refinance / Purchase Type

0% origination
0% origination
0% origination
0% origination

Term

10 Year2

15 Year

20 Year

30 Year

Rate

As low as 5.750%
As low as 6.000%
As low as 6.125%
As low as 6.125%

APR1

As low as 5.864%
As low as 6.081%
As low as 6.189%
As low as 6.173%

Monthly Payment

$2,744.24
$2,109.65
$1,809.16
$1,519.03

*Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply.

Example based on a $250,000 loan.

These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact SRFFCU for more details.

Adjustable Rate Mortgages

Adjustable Rate Mortgages Type

3 / 3 Year – 0% origination
5 / 5 Year – 0% origination
7 / 7 Year – 0% origination

Term

30 Year

30 Year

30 Year

Rate

As low as 5.625%
As low as 5.875%
As low as 6.125%

APR1

As low as 5.675%
As low as 5.923%
As low as 6.173%

Monthly Payment

$1,439.15
$1,478.85
$1,519.03

*Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply.

Example based on a $250,000 loan.

These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

1APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact SRFFCU for more details.

Commercial Loans

Max LTV

75% Refi., Cashout or Purch.

75% Refi., Cashout or Purch.

75% Refi., Cashout or Purch.

75% Refi., Cashout or Purch.

Fixed Term

5/5/10 Year Balloon

6 Year Balloon

12 Year Balloon

12 Year Fixed

Loan Rate

from 6.000%

from 6.250%
from 6.750%
from 6.000%

Max Amort.

30 years

30 years

30 years

12 years

The above loan products are available for non owner occupied 1-4 family houses and condominiums, multi family residential apartment buildings and mixed use investment properties. Commercial Loans are risk rated. The final interest rate on your loan will be based on your credit history, the loan to value, collateral and other risk components associated with the loan. 

Home Equity Options

Type

Home Equity Loan

Home Equity Line of Credit / HELOC

Home Equity Line of Credit / HELOC – First Mortgage Not With UKRFCU

Terms

5, 10, and 15 years

10-year draw, 15-year repay period

5-year draw, 20-year repay period

Rate

As low as 6.00%
As low as 6.00%
As low as 6.00%

Auto Loans

New

Finance up to 120% of the vehicle value3

Terms

Up to 48 Months

49 to 66 Months

67 to 75 Months

76 to 84 Months

APR 1,2

As low as 4.89%
As low as 4.99%
As low as 5.19%
As low as 5.59%

2022-2026

Finance up to 115% of the vehicle value3

Terms

Up to 48 Months

49 to 66 Months

67 to 75 Months

76 to 84 Months

APR 1,2

As low as 4.89%
As low as 4.99%
As low as 5.19%
As low as 5.59%

2019-2021

Finance up to 110% of the vehicle value3

Terms

Up to 48 Months

49 to 66 Months

67 to 75 Months

APR 1,2

As low as 5.54%
As low as 5.74%
As low as 6.14%

2010-2018

Finance up to 105% of the vehicle value3

Terms

Up to 48 Months

49 to 63 Months

APR 1,2

As low as 7.14%
As low as 8.29%

1APR = Annual Percentage Rate. Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Refinance transactions may be subject to a rate adjustment. Your rate can be higher depending on credit performance. Rate is subject to change without notice. Other conditions may apply. SRFFCU offers auto loans for new and used cars. All rates are subject to change without notice. 2Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. 3 Value is based on Kelley Blue Book or NADA clean retail value. The actual amount financed can vary based on creditworthiness and age of the vehicle. Cash-Out on Title loans are financed up to 80% of the vehicle value.

Personal Loans

Type

Personal Loan

Terms

1 to 5 years

APR1

Rates as low as 6.99% APR1

1APR = Annual Percentage Rate. Rates for this product are determined by an evaluation of applicant credit; not all applicants will qualify. Your rate may vary from the rate shown. Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. Rates are subject to change without notice.

Savings, Checking, Money Market, and High Yield Savings

Type

Checking

Savings

IRA Savings

Classic Money Market

Premium Money Market

High Yield Savings

Minimum Balance

$0.00

$50.00

$50.00

$1,000

$1,000

$5,000

Rate

0.10%
0.40%
4.00%
1.30%
1.30%
3.15%

APR1

0.10%
0.40%
4.08%
1.30%
1.30%
3.20%

1APY = Annual Percentage Yield.

Certificate Rates

Type

3 Month

6 Month

9 Month

12 Month

18 Month

24 Month

36 Month

60 Month

Rate

2.25%
4.00%
3.00%
3.50%
3.50%
3.55%
3.60%
3.85%

APR1

2.27%
4.08%
3.04%
3.56%
3.56%
3.61%
3.66%
3.92%

Early Withdrawal Penalty

1 month interest

1 month interest

3 month interest

3 month interest

3 month interest

3 month interest

3 month interest

6 month interest

1APY=Annual Percentage Yield. The new rate will remain in effect until the certificate maturity date.