Get Higher CD, IRA, Checking, Savings & Account Rates at UTF

Auto Loans
Term	Rate
We’d Like You to Know: APR= Annual Percentage Rate. Rate advertised is based on credit worthiness and includes a 1% discount for electronic payment from a United Teletech 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.
Term Up to 24 Months	Rate 1.99% APR*
Term 25 to 36 Months	Rate 1.99% APR*
Term 37 to 48 Months	Rate 1.99% APR*
Term 46 to 66 Months	Rate 1.99% APR*
Term 67 to 72 Months	Rate 2.99% APR*

Book an Appointment to open a Vehicle Loan

Certificate Accounts & IRAs with a Balance of $500 - $24,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-35 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2497%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Book an Appointment to open a CD/ IRA

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Book an Appointment to open a CD/ IRA

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Certificate Accounts & IRAs with a Balance of $50,000 - $74,999.99
Term	Rate	APY¹
Term 3-5 Months	Rate 0.0499%	APY¹ 0.05%
Term 6-11 Months	Rate 0.0499%	APY¹ 0.05%
Term 12-17 Months	Rate 0.0499%	APY¹ 0.05%
Term 18-23 Months	Rate 0.099%	APY¹ 0.10%
Term 24-35 Months	Rate 0.099%	APY¹ 0.10%
Term 36-47 Months	Rate 0.1499%	APY¹ 0.15%
Term 48 - 59 Months	Rate 0.2479%	APY¹ 0.25%
Term 60 Months	Rate 0.4988%	APY¹ 0.5%

Book an Appointment to open a CD/ IRA

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Certificate Accounts & IRAs with a Balance of $75,000 - $99,999.99
Term	Rate	APY¹
Term 3-5 Months	Rate 0.0499%	APY¹ 0.05%
Term 6-11 Months	Rate 0.0499%	APY¹ 0.05%
Term 12-17 Months	Rate 0.0499%	APY¹ 0.05%
Term 18-23 Months	Rate 0.099%	APY¹ 0.10%
Term 24-35 Months	Rate 0.099%	APY¹ 0.10%
Term 36-47 Months	Rate 0.1499%	APY¹ 0.15%
Term 48-59 Months	Rate 0.2497%	APY¹ 0.25%
Term 60 Months	Rate 0.4988%	APY¹ 0.5%

Book an Appointment to open a CD/ IRA

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Certificate Accounts & IRAs with a Balance of $100,000 and over
Term	Rate	APY¹
Term 3-5 Months	Rate 0.0499%	APY¹ 0.05%
Term 6-11 Months	Rate 0.0499%	APY¹ 0.05%
Term 12-17 Months	Rate 0.0499%	APY¹ 0.05%
Term 18-23 Months	Rate 0.099%	APY¹ 0.10%
Term 24-35 Months	Rate 0.099%	APY¹ 0.10%
Term 36-47 Months	Rate 0.1499%	APY¹ 0.15%
Term 48-59 Months	Rate 0.2479%	APY¹ 0.25%
Term 60 Months	Rate 0.4988%	APY¹ 0.5%

Book an Appointment to open a CD/ IRA

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

IRA Savings Accounts
Account Type	Minimum Balance	Rate	APY¹
Account Type IRA Savings	Minimum Balance $100	Rate 0.145%	APY¹ 0.15%
Account Type Roth IRA	Minimum Balance $100	Rate 0.145%	APY¹ 0.15%
Account Type Coverdell Educational Savings Account	Minimum Balance $100	Rate 0.145%	APY¹ 0.15%
Account Type Conduit IRA	Minimum Balance $100	Rate 0.145%	APY¹ 0.15%

Book an Appointment to open a CD/ IRA

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Consumer and Business Savings Account (Main Share)
Account Balance	Rate	APY¹
Account Balance $0.0 - $249.99	Rate 0.00%	APY¹ 0.00%
Account Balance $250-$4,999.99	Rate 0.045%	APY¹ 0.05%
Account Balance $5,000-$9,999.99	Rate 0.045%	APY¹ 0.05%
Account Balance $10,000 and over	Rate 0.045%	APY¹ 0.5%

Book an Appointment to become a member

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

U-Savers Club
Account Balance	Rate	APY¹
Account Balance $0.01 - $5,000.00	Rate 0.495%	APY¹ 0.50%
Account Balance $5,000.01 and over	Rate 0.095%	APY¹ 0.10%

Book an Appointment to open a U-Savers account

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

U-Win
Account Balance	Rate
Account Balance $0.01 - $1,500.00	Rate 0.25%
Account Balance $1,500.00 and over	Rate 0.00%

Book an Appointment to open a U-WIN account

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Kids Club Savings Account
Balance Acccount	Rate	APY¹
Balance Acccount $0 - $2,500.00	Rate 0.495%	APY¹ 0.50%
Balance Acccount $2,500.01 and over	Rate 0.095%	APY¹ 0.10%

Book an appointment to open a Kids Club Savings Account

Holiday and Vacation Club Savings Accounts
Account Type	Min. Balance	Dividend Rate	APY¹
Account Type Holiday Club Savings Account	Min. Balance $5.00	Dividend Rate 0.95%	APY¹ 0.10%
Account Type Vacation Club Savings Account	Min. Balance $5.00	Dividend Rate 0.95%	APY¹ 0.10%

Book an Appointment to open a Holiday/Vacation Club Savings Account

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

U-Savers Money Market Accounts
Account Balance	Rate	APY
Account Balance $1,000-$49,999.99	Rate 0.0499%	APY 0.05%
Account Balance $50,000-$99,999.99	Rate 0.0499%	APY 0.05%
Account Balance $100,000-$149,999.99	Rate 0.0499%	APY 0.05%
Account Balance $150,000-$249,999.99	Rate 0.0499%	APY 0.05%
Account Balance $250,000-$349,999.99	Rate 0.0499%	APY 0.05%
Account Balance $350,000-$999,999.99	Rate 0.0499%	APY 0.05%
Account Balance $1,000,000 and over	Rate 0.0499%	APY 0.05%

Book an Appointment to open a U-Savers Money Market Account

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Estate Money Market Accounts
Account Balance	Rate	APY
Account Balance $1,000-$9,999.99	Rate 0.95%	APY 0.10%
Account Balance $10,000-$24,999.99	Rate 0.95%	APY 0.10%
Account Balance $25,000 and over	Rate 0.95%	APY 0.10%

Book an Appointment to open an Estate Money Market Account

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Business Money Market Accounts
Account Balance	Rate	APY
Account Balance $1,000-$4,999.99	Rate 0.0499%	APY 0.05%
Account Balance $5,000-$24,999.99	Rate 0.0499%	APY 0.05%
Account Balance $25,000-$74,999.99	Rate 0.0499%	APY 0.05%
Account Balance $75,000 and over	Rate 0.0499%	APY 0.05%

Book an Appointment to open a Business Money Market Account

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
Term	Rate	APY*
Term 3-5 Months	Rate 0.0499%	APY* 0.05%
Term 6-11 Months	Rate 0.0499%	APY* 0.05%
Term 12-17 Months	Rate 0.0499%	APY* 0.05%
Term 18-23 Months	Rate 0.099%	APY* 0.10%
Term 24-25 Months	Rate 0.099%	APY* 0.10%
Term 36-47 Months	Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Rate 0.2479%	APY* 0.25%
Term 60 Months	Rate 0.4988%	APY* 0.5%

Mortgages
We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans. Rate Quote

Home Equity Loans and Lines of Credit
	Term	APR as low as	Equity (loan to value) required:	Amount Borrowed
APR=Annual Percentage Rate. Rate of 1.99% APR is good for six (6) months from loan disbursement date, then APR is variable based on the Wall Street Journal Prime Rate minus 0.25%, depending on creditworthiness, and is not to exceed 16%. Prime rate as of 7/1/2021 is 3.25%. 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 $25,000 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. This offer ends on September, 30 2021. For additional information call 866-462-5532. NMLS# 402779 APR=Annual Percentage Rate. Home Equity loans 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. 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 have different pricing.
Powerline HELOC* (Variable Home Equity Line of Credit)	Term 180 Months	APR as low as 1.99% (for the first 6 months) - After Prime Rate - 0.50% APR*	Equity (loan to value) required: 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 3.25% APR**	Equity (loan to value) required: Up to 90%** for Single Family	Amount Borrowed Up to $350,000
Home Equity Fixed Rate Loan - 7 Year Term	Term 84 Months	APR as low as 3.25% APR**	Equity (loan to value) required: Up to 90%** for Single Family	Amount Borrowed Up to $350,000
Home Equity Fixed Rate Loan - 10 Year Term	Term 120 Months	APR as low as 3.50% APR**	Equity (loan to value) required: Up to 90%*** for Single Family	Amount Borrowed Up to $350,000
Home Equity Fixed Rate Loan - 15 Year Term	Term 180 Months	APR as low as 3.75% APR**	Equity (loan to value) required: Up to 90%*** for Single Family	Amount Borrowed Up to $350,000
	Term	APR as low as	Equity (loan to value) required:	Amount Borrowed

Book an Appointment to open a Home Loan

Business Interest Checking Accounts
Balance	Rate	APY¹
Balance $0 - $4,999.99	Rate 0.0%	APY¹ 0.0%
Balance $5,000 - $9,999.99	Rate 0.00%	APY¹ 0.00%
Balance $10,000 - $19,999.99	Rate 0.00%	APY¹ 0.00%
Balance $20,000-$99,999.99	Rate 0.00%	APY¹ 0.00%
Balance $100,000-$249,999.99	Rate 0.00%	APY¹ 0.00%
Balance $250,000 and over	Rate 0.00%	APY¹ 0.00%

Book an Appointment to open a Checking account

Personal Loan
Terms Up To	APR
We’d Like you to know: Apr=Annual Percentage Rate. Rates include a 0.25% discount for electronic payment from a United Teletech checking account. The minimum term is 24 months and the maximum term is 60 months. As an example, a $10,000 personal loan at 5.74% APR will be a total cost of $11,529.75.
Terms Up To Up to 48 months	APR 5.74%*
Terms Up To 49 to 60 months	APR 6.24%*

Book an Appointment to open a Personal loan

CD Secured
Terms Up To	APR
Terms Up To Up to CD Maturity	APR 3.00% above CD rate

Book an Appointment to open a CD

Timeshifter Mortgage
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 2.375% APR*
Term 7 Years	Rate 2.375% APR*
Term 10 Years	Rate 2.625% APR*

Disclosures

*Fees may reduce earnings

*For information regarding early withdrawal penalities please see Section 8 of our Truth-in-Savings Disclosure