Loans
LOAN RATES
Loan rates for credit union members for auto loans, personal loans, "Time-Shifter" first mortgages, home equity loans & lines of credit, and more.
| Loan Type | Term/Maturity | Annual Percentage Rate |
| Personal Loan (Cut the Card Loan) | Up to 48 months | As low as 10.50%* |
| 49 to 60 months | As low as 13.99%* | |
| Overdraft Line of Credit | Open Ended | 18.00% |
| CD Secured | Up to CD Maturity |
3.00% above CD rate |
*We'd Like you to know:
Apr=Annual Percentage Rate. Rates include a 2% discount for Direct Deposit into a United Rewards Checking account and electronic payment. Personal loans above $15,000 will receive a 1% additional rate increase.
| Car & Other Vehicle Loans | Term/Maturity | Annual Percentage Rate |
| Car Loans (Includes new and used autos, boats, motorcycles, RVs)* | Up to 24 months | As low as 4.29%* |
| 25 to 36 months | As low as 4.29%* | |
| 37 to 48 months | As low as 4.29%* | |
| 49 to 66 months | As low as 4.29%* | |
| 67 to 72 months** | As low as 4.59%* | |
*We'd Like You to Know:
APR= Annual Percentage Rate. Rate advertised includes a 1% discount for direct deposit into a United Rewards Checking Account. Used auto must not be older than 7 model years and have no more than 85,000 miles(excluding classic autos).
**To qualify for this term auto must be within 2 model years.
| Variable Home Equity Line of Credit (up to $250,000.00) | |||
| Term | Variable Rate As Low As: | Equity (or loan-to-value) required: | |
| Powerline HELOC | 180 Months |
APR is as low as Prime Rate + 0.00%(Now as low as 5.50%)* Begins with a fixed interest rate for the initial term and then adjusts according to an index. |
Up to 85% for Single Family** |
We'd Like You to Know:
*APR=Annual Percentage Rate. Rate includes discount for Direct deposit into a qualifiying checking account and may be introductory special. HELOC rates adjust monthly based on prime rate. The prime rate listed in the Wall Street Journal on the 3rd Thursday of the preceding month will be used to determine rate adjustments. Floor is 3%. Those securing a non-single family home may require more equity. Stated rates are for new loans. Members wishing to refinance an existing UTF loan must pay a fee of 1% of the existing balance.
** If your CLTV is above 80% different rates apply
| Fixed Rate Home Equity Loans (up to $250,000.00) | |||
| Type | Term |
APR As Low As |
Equity Required |
| 5 Year Fixed Rate | 60 Months | 6.25%* | Up to 80% LTV for Single Family |
| 7 Year Fixed Rate | 84 Months | 6.55%* | Up to 80% LTV for Single Family |
| 10 Year Fixed Rate | 120 Months | 7.61%* | Up to 80% LTV for Single Family |
*We'd Like You to Know:
APR= Annual Percentage Rate. LTV percentage is determined by taking the amount you owe on your home divided by the appraised value of your home. Home Equity Loan amounts over $250,000: add 0.25% APR. High LTV loans may require proof that funds are used for home improvement. Rate includes discount for Direct deposit into a qualifiying checking account
| First Mortgages | ||
| Please call 866-462-5532 for more information. |
Rates accurate as of 10/26/18
We'd Like You to Know:
*APR=Annual Percentage Rate. Rate includes discount for Direct deposit into a qualifiying checking account and may be introductory special. HELOC rates adjust monthly based on prime rate. The prime rate listed in the Wall Street Journal on the 3rd Thursday of the preceding month will be used to determine rate adjustments. Floor is 2%. Those securing a non-single family home may require more equity. Stated rates are for new loans. Members wishing to refinance an existing UTF loan must pay a fee of 1% of the existing balance.
*Fees may reduce earnings
RATES MAY VARY BASED ON CREDITWORTHINESS AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CONTACT UNITED TELETECH FINANCIAL TO VERIFY RATES.
