Loan Rates

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.

Lending Calculators

 

Loan Type Term/Maturity Annual Percentage Rate
Personal Loan (Cut the Card Loan) Up to 48 months As low as 8.99%*
49 to 60 months As low as 10.99%*
Overdraft Line of Credit Open Ended 18.00%
Savings Secured 6 to 36 months 2.49%
CD Secured Up to CD Maturity 3.00% above CD rate


 

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 2.23%*
25 to 36 months As low as 2.33%*
37 to 48 months As low as 2.48%*
49 to 66 months As low as 2.68%*
67 to 72 months As low as 3.68%*
73 to 84 months As low as 5.09%*
85 to 120 months As low as Prime plus 3.35%*

*We'd Like You to Know:
APR= Annual Percentage Rate. Add 0.15% APR for used cars, and 0.50% APR for motorcycle, boats & RVs.


 

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

Prime Rate  + 0.00%
(Now as low as 4.00%)*

Begins with a fixed interest rate for the initial term and then adjusts according to an index.

Up to 80% for Single Family


 

Fixed Rate Home Equity Loans (up to $350,000.00) (up to $50,000 on high LTV)
Type Term

APR As Low As

Equity Required
5 Year Fixed Rate 60 Months 4.04%* Up to 80% LTV for Single Family
5 Year Fixed Rate 60 Months 5.04%* From 80.01 to 90% LTV for Single Family
7 Year Fixed Rate 84 Months 4.34%* Up to 80% LTV for Single Family
7 Year Fixed Rate 84 Months 5.34%* From 80.01 to 90% LTV for Single Family
10 Year Fixed Rate 120 Months 4.59%* Up to 80% LTV for Single Family
15 Year Fixed Rate 180 Months 5.40%* Up to 80% LTV for Single Family
20 Year Fixed Rate 240 Months 6.10%* Up to 80% LTV for Single Family
7 Year Fixed (High LTV) 84 Months 6.99%* Up to 105% LTV for Single Family
10 Year Fixed (High LTV) 120 Months 7.24%* Up to 105% 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.


 

Time Shifter First Mortgages (up to $475,000.00)
Type LTV

APR As Low As

Closing Costs
5 Years <=80%  2.59%* No Closing Costs
5 Years 80.01-90% 3.64%* No Closing Costs
7 Years <= 80% 3.09%* No Closing Costs
7 Years 80.01-85% 4.09%* No Closing Costs
10 Years <=80% 3.34%* No Closing Costs

 

First Mortgages
Please call 866-462-5532 for more information.

Rates accurate as of 04/01/17

We'd Like You to Know:
*APR=Annual Percentage Rate. Rate includes discount for checking relationship 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. Lines over $250,000: add 0.25% APR.

*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.