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 8.99%* |
| 49 to 60 months | As low as 10.99%* | |
| Overdraft Line of Credit | Open Ended | 18.00% |
| 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 2.38%* |
| 25 to 36 months | As low as 2.48%* | |
| 37 to 48 months | As low as 2.63%* | |
| 49 to 66 months | As low as 2.83%* | |
| 67 to 72 months | As low as 3.83%* | |
| 73 to 84 months | As low as 5.24%* | |
| 85 to 120 months | As low as Prime plus 3.50%* | |
*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% 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) | |||
| Type | Term |
APR As Low As |
Equity Required |
| 5 Year Fixed Rate | 60 Months | 4.25%* | Up to 80% LTV for Single Family |
| 5 Year Fixed Rate | 60 Months | 4.80%* | From 80.01 to 85% LTV for Single Family |
| 7 Year Fixed Rate | 84 Months | 4.55%* | Up to 80% LTV for Single Family |
| 7 Year Fixed Rate | 84 Months | 5.10%* | From 80.01 to 85% LTV for Single Family |
| 10 Year Fixed Rate | 120 Months | 5.09%* | Up to 80% LTV for Single Family |
| 15 Year Fixed Rate | 180 Months | 5.90%* | Up to 80% LTV for Single Family |
| 20 Year Fixed Rate | 240 Months | 7.00%* | 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.
| 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 |
| 7 Years | <= 80% | 3.09%* | 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 01/01/18
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.
