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

Outcomes from our Annual Meeting of Members & Election can be found here.

Auto Loans
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 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 2.49% 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	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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-35 Months	Dividend Rate 0.099%	APY* 0.10%
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* 0.5%

Book an Appointment to open a CD/ IRA

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

Certificate Accounts & IRAs with a Balance of $50,000 - $74,999.99
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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-35 Months	Dividend Rate 0.099%	APY* 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY* 0.15%
Term 48 - 59 Months	Dividend Rate 0.2479%	APY* 0.25%
Term 60 Months	Dividend 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	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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-25 Months	Dividend Rate 0.099%	APY* 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Dividend Rate 0.2479%	APY* 0.25%
Term 60 Months	Dividend Rate 0.4988%	APY* 0.5%

Certificate Accounts & IRAs with a Balance of $75,000 - $99,999.99
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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-35 Months	Dividend Rate 0.099%	APY* 0.10%
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* 0.5%

Book an Appointment to open a CD/ IRA

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

Certificate Accounts & IRAs with a Balance of $100,000 and over
Term	Dividend Rate	APY¹
Term 3-5 Months	Dividend Rate 0.0499%	APY¹ 0.05%
Term 6-11 Months	Dividend Rate 0.0499%	APY¹ 0.05%
Term 12-17 Months	Dividend Rate 0.0499%	APY¹ 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY¹ 0.10%
Term 24-35 Months	Dividend Rate 0.099%	APY¹ 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY¹ 0.15%
Term 48-59 Months	Dividend Rate 0.2479%	APY¹ 0.25%
Term 60 Months	Dividend 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	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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-25 Months	Dividend Rate 0.099%	APY* 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Dividend Rate 0.2479%	APY* 0.25%
Term 60 Months	Dividend Rate 0.4988%	APY* 0.5%

IRA Savings Accounts
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

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

Consumer and Business Savings Account (Main Share)
Account Balance	Dividend Rate	APY¹
Rate may change at any time. Rate accurate as of 1/1/2022.
Account Balance $0.0 - $249.99	Dividend Rate 0.00%	APY¹ 0.00%
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%

Book an Appointment to become a member

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

U-Savers Club
Account Balance	Dividend Rate	APY*
Rate may change at any time. Rate accurate as of 1/1/2022.
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%

Book an Appointment to open a U-Savers account

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

U-Win
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%

Book an Appointment to open a U-WIN account

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

Kids Club Savings Account
Balance Acccount	Dividend Rate	APY*
Rate may change at any time. Rate accurate as of 1/1/2022.
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%

Book an appointment to open a Kids Club Savings Account

Holiday and Vacation Club Savings Accounts
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 0.95%	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	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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-25 Months	Dividend Rate 0.099%	APY* 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Dividend Rate 0.2479%	APY* 0.25%
Term 60 Months	Dividend Rate 0.4988%	APY* 0.5%

U-Savers Money Market Accounts
Account Balance	Dividend Rate	APY
Rate may change at any time. Rate accurate as of 1/1/2022.
Account Balance $1,000-$49,999.99	Dividend Rate 0.0499%	APY 0.05%
Account Balance $50,000-$99,999.99	Dividend Rate 0.0499%	APY 0.05%
Account Balance $100,000-$149,999.99	Dividend Rate 0.0499%	APY 0.05%
Account Balance $150,000-$249,999.99	Dividend Rate 0.0499%	APY 0.05%
Account Balance $250,000-$349,999.99	Dividend Rate 0.0499%	APY 0.05%
Account Balance $350,000-$999,999.99	Dividend Rate 0.0499%	APY 0.05%
Account Balance $1,000,000 and over	Dividend 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	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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-25 Months	Dividend Rate 0.099%	APY* 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Dividend Rate 0.2479%	APY* 0.25%
Term 60 Months	Dividend Rate 0.4988%	APY* 0.5%

Estate Money Market Accounts
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 0.95%	APY 0.10%
Account Balance $10,000-$24,999.99	Dividend Rate 0.95%	APY 0.10%
Account Balance $25,000 and over	Dividend 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	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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-25 Months	Dividend Rate 0.099%	APY* 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Dividend Rate 0.2479%	APY* 0.25%
Term 60 Months	Dividend Rate 0.4988%	APY* 0.5%

Business Money Market Accounts
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%

Book an Appointment to open a Business Money Market Account

Certificate Accounts & IRAs with a Balance of $25,000 - $49,999.99
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 0.0499%	APY* 0.05%
Term 18-23 Months	Dividend Rate 0.099%	APY* 0.10%
Term 24-25 Months	Dividend Rate 0.099%	APY* 0.10%
Term 36-47 Months	Dividend Rate 0.1499%	APY* 0.15%
Term 48-59 Months	Dividend Rate 0.2479%	APY* 0.25%
Term 60 Months	Dividend 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
We’d Like You To Know: APR=Annual Percentage Rate. Rate of 2.75% APR is variable based on the Wall Street Journal Prime Rate minus 0.50% to Prime Rate plus 3.50%, 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 $250,000. 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. 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 have an increase in APR of 0.25%.
Powerline HELOC* (Variable Home Equity Line of Credit)	Term 180 Months	APR as low as 2.75% (+ No Closing Costs) - 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 3.00% 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 3.00% 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 3.25% 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

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Business Interest Checking Accounts
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%

Book an Appointment to open a Checking account

Personal Loan
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, a $10,000 personal loan at 4.74% APR will be a total cost of $11,251.41.
Terms Up To Up to 48 months	APR 4.74%*
Terms Up To 49 to 60 months	APR 5.24%*

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

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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*
Term 10 Year with 5 year reset	Rate 2.875% APR *

Disclosures

*Fees may reduce earnings

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