Rates
|
Term |
Rate |
|---|---|
|
APR= Annual Percentage Rate. Rate advertised is as low as, and based on credit worthiness. Rate advertised includes a 1% discount for electronic payment from a United Teletech Checking Account. Used auto loans on models before 2018 will be subject to a 0.50% price increase. |
|
|
Term Up to 24 Months |
Rate 3.250% APR* |
|
Term 25 to 36 Months |
Rate 3.250% APR* |
|
Term 37 to 48 Months |
Rate 3.750% APR* |
|
Term 49 to 66 Months |
Rate 3.500% APR* |
|
Term 67 to 72 Months |
Rate 3.750% APR* |
|
Term |
Dividend Rate |
APY* |
|---|---|---|
|
Term 3-5 Months |
Dividend Rate 0.0499% |
APY* 0.05% |
|
Term 6-11 Months |
Dividend Rate 0.0499% |
APY* 0.05% |
|
Term 12-17 Months |
Dividend Rate 0.7474% |
APY* 0.75% |
|
Term 18-23 Months |
Dividend Rate 0.9954% |
APY* 1.00% |
|
Term 24-35 Months |
Dividend Rate 1.2429% |
APY* 1.25% |
|
Term 36-47 Months |
Dividend Rate 0.1499% |
APY* 0.15% |
|
Term 48-59 Months |
Dividend Rate 0.2497% |
APY* 0.25% |
|
Term 60 Months |
Dividend Rate 0.4988% |
APY* 0.50% |
|
Account Type |
Minimum Balance |
Dividend Rate |
APY* |
|---|---|---|---|
|
Account Type IRA Savings |
Minimum Balance $100 |
Dividend Rate 0.145% |
APY* 0.15% |
|
Account Type Roth IRA |
Minimum Balance $100 |
Dividend Rate 0.145% |
APY* 0.15% |
|
Account Type Coverdell Educational Savings Account |
Minimum Balance $100 |
Dividend Rate 0.145% |
APY* 0.15% |
|
Account Type Conduit IRA |
Minimum Balance $100 |
Dividend Rate 0.145% |
APY* 0.15% |
Book an Appointment to open a CD/ IRA
|
Account Balance |
Dividend Rate |
APY1 |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
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Account Balance $0.0 - $249.99 |
Dividend Rate 0.00% |
APY1 0.00% |
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Account Balance $250-$4,999.99 |
Dividend Rate 0.045% |
APY1 0.05% |
|
Account Balance $5,000-$9,999.99 |
Dividend Rate 0.045% |
APY1 0.05% |
|
Account Balance $10,000 and over |
Dividend Rate 0.045% |
APY1 0.05% |
|
Account Balance |
Dividend Rate |
APY* |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
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|
Account Balance $0.01 - $5,000.00 |
Dividend Rate 0.495% |
APY* 0.50% |
|
Account Balance $5,000.01 and over |
Dividend Rate 0.095% |
APY* 0.10% |
|
Account Balance |
Dividend Rate |
|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
|
|
Account Balance $0.01 - $1,500.00 |
Dividend Rate 0.25% |
|
Account Balance $1,500.00 and over |
Dividend Rate 0.00% |
|
Balance Acccount |
Dividend Rate |
APY* |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
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|
Balance Acccount $0 - $2,500.00 |
Dividend Rate 0.495% |
APY* 0.50% |
|
Balance Acccount $2,500.01 and over |
Dividend Rate 0.095% |
APY* 0.10% |
|
Account Type |
Min. Balance |
Dividend Rate |
APY1 |
|---|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
|||
|
Account Type Holiday Club Savings Account |
Min. Balance $5.00 |
Dividend Rate 0.095% |
APY1 0.10% |
|
Account Type Vacation Club Savings Account |
Min. Balance $5.00 |
Dividend Rate 0.095% |
APY1 0.10% |
|
Account Balance |
Dividend Rate |
APY |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
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|
Account Balance $1,000-$49,999.99 |
Dividend Rate 0.0999% |
APY 0.10% |
|
Account Balance $50,000-$99,999.99 |
Dividend Rate 0.0999% |
APY 0.10% |
|
Account Balance $100,000-$149,999.99 |
Dividend Rate 0.0999% |
APY 0.10% |
|
Account Balance $150,000-$249,999.99 |
Dividend Rate 0.0999% |
APY 0.10% |
|
Account Balance $250,000-$349,999.99 |
Dividend Rate 0.0999% |
APY 0.10% |
|
Account Balance $350,000-$999,999.99 |
Dividend Rate 0.0999% |
APY 0.10% |
|
Account Balance $1,000,000 and over |
Dividend Rate 0.0999% |
APY 0.10% |
|
Account Balance |
Dividend Rate |
APY |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
||
|
Account Balance $1,000-$9,999.99 |
Dividend Rate 0.095% |
APY 0.10% |
|
Account Balance $10,000-$24,999.99 |
Dividend Rate 0.095% |
APY 0.10% |
|
Account Balance $25,000 and over |
Dividend Rate 0.095% |
APY 0.10% |
|
Account Balance |
Dividend Rate |
APY* |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
||
|
Account Balance $1,000-$4,999.99 |
Dividend Rate 0.0499% |
APY* 0.05% |
|
Account Balance $5,000-$24,999.99 |
Dividend Rate 0.0499% |
APY* 0.05% |
|
Account Balance $25,000-$74,999.99 |
Dividend Rate 0.0499% |
APY* 0.05% |
|
Account Balance $75,000 and over |
Dividend Rate 0.0499% |
APY* 0.05% |
|
We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans. |
|
Term |
APR as low as |
Maximum Combined Loan-To-Value for Best Rate: |
Amount Borrowed |
|
|---|---|---|---|---|
|
*We’d Like You To Know: APR=Annual Percentage Rate. Rate of 4.75% APR is variable based on the Wall Street Journal Prime Rate minus 0.75% depending on creditworthiness, and is not to exceed 16%. Prime rate as of 9/22/2022 is 6.25%. Prime rate may change at any time without notice. HELOC may not exceed 90% Combined Loan-To-Value (CLTV). Rates advertised are for up to 80% CLTV. Max Line amount is $350,000. Stated rate includes discount for electronic payment. Minimum initial draw of $30,000 required for introductory rate and to waive closing costs. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid for refinancing of existing UTF Home Equity Lines less than eight (8) years old. Property insurance is required. For additional information call 866-462-5532. NMLS# 402779 **APR=Annual Percentage Rate. Rates advertised are as low as and depend on creditworthiness. Max Line amount is $350,000. Stated rate includes discount for direct deposit into a United Teletech checking account and electronic payment. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid for refinancing of existing UTF Home Equity Lines less than eight (8) years old. Property insurance is required. For additional information call 866-462-5532. NMLS# 402779 ***Loans over 80% CLTV may be subject to an increase in APR. |
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|
Powerline HELOC* (Variable Home Equity Line of Credit) |
Term 180 Months |
APR as low as 4.75% (Prime Rate - 0.75%) APR* |
Maximum Combined Loan-To-Value for Best Rate: Up to 80% for Single Family |
Amount Borrowed Up to $350,000 |
|
Home Equity Fixed Rate Loan - 5 Year Term |
Term 60 Months |
APR as low as 4.875% APR** |
Maximum Combined Loan-To-Value for Best Rate: Up to 80%** for Single Family |
Amount Borrowed Up to $350,000 |
|
Home Equity Fixed Rate Loan - 7 Year Term |
Term 84 Months |
APR as low as 4.875% APR** |
Maximum Combined Loan-To-Value for Best Rate: Up to 80%** for Single Family |
Amount Borrowed Up to $350,000 |
|
Home Equity Fixed Rate Loan - 10 Year Term |
Term 120 Months |
APR as low as 5.125% APR** |
Maximum Combined Loan-To-Value for Best Rate: Up to 80%*** for Single Family |
Amount Borrowed Up to $350,000 |
|
|
Term |
APR as low as |
Maximum Combined Loan-To-Value for Best Rate: |
Amount Borrowed |
|
Balance |
Dividend Rate |
APY1 |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
||
|
Balance $0 - $4,999.99 |
Dividend Rate 0.0% |
APY1 0.0% |
|
Balance $5,000 - $9,999.99 |
Dividend Rate 0.00% |
APY1 0.00% |
|
Balance $10,000 - $19,999.99 |
Dividend Rate 0.00% |
APY1 0.00% |
|
Balance $20,000-$99,999.99 |
Dividend Rate 0.00% |
APY1 0.00% |
|
Balance $100,000-$249,999.99 |
Dividend Rate 0.00% |
APY1 0.00% |
|
Balance $250,000 and over |
Dividend Rate 0.00% |
APY1 0.00% |
|
Terms Up To |
APR |
|---|---|
|
Apr=Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. The minimum term is 24 months and the maximum term is 60 months. As an example, for a $10,000 personal loan at 6.25% and with a 5-year term, the APR will reflect a total finance cost of $11,669.56. |
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|
Terms Up To Up to 48 months |
APR 6.250%* |
|
Terms Up To 49 to 60 months |
APR 7.00%* |
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Terms Up To |
APR |
|---|---|
|
Terms Up To Up to CD Maturity |
APR 3.00% above CD rate |
|
Term |
Rate |
|---|---|
|
*We’d Like You To Know: APR=Annual Percentage Rate. Stated rate is based on credit worthiness and property approval. Minimum loan amount is $100,000. Maximum Loan amount is $450,000. APR is based on a $250,000 loan. Advertised rate includes 0.25% discount for direct deposit into a United Teletech checking account. Max CLTV is 80%. Terms and Conditions may apply. For cost information please call 866-462-5532. |
|
|
Term 5 Years |
Rate 4.75% APR* |
|
Term 7 Years |
Rate 4.875% APR* |
|
Term 10 Years |
Rate 5.125% APR* |
Disclosures
*Fees may reduce earnings
*For information regarding early withdrawal penalities please see Section 8 of our Truth-in-Savings Disclosure