Rates

* APR=Annual Percentage Rate. The introductory rate of 4.99% APR is good for three (3) months from the loan disbursement date, then APR is variable based on the Wall Street Journal Prime Rate minus 0.25% to Prime Rate plus 3.25%, depending on credit worthiness, and is not to exceed 16% APR. Prime rate as of 3/25/26 is 6.75% APR. Prime rate may change at any time without notice. The rate will be adjusted monthly on the 1st of the month following a change in the Prime Rate. Advertised rate reflects a 0.25% discount for automatic payments from a qualifying UTF deposit account and 80% CLTV (Combined Loan to Value). May not exceed 90% CLTV.  Max Line amount is $350,000.00. Minimum initial draw of $30,000.00 required for introductory rate and to waive closing costs. Limited Time Offer: April 1, 2026 – June 30, 2026. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid when refinancing existing UTF loans less than eight (8) years old. Property insurance is required. Offer may be discontinued at any time. For additional information call 866-462-5532. NMLS#402779. Federally insured by NCUA. Equal Housing Lender.

Rate may change at any time. Rate accurate as of 1/1/2022.

Disclosure: *APR= Annual Percentage Rate. Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.

*APR = Annual Percentage Rate. Rates accurate as of Wednesday, May 27, 2026. Your payment per $10,000 borrowed for a 30-year fixed mortgage with a rate of 6.87% (6.881% APR) is $65.70. Your payment per $10,000 borrowed for a 15-year fixed mortgage with a rate of 5.875% (APR 5.875) is $84.34. Rates are based on the following assumptions: Maximum loan amount of $832,750, down payment of 20%, 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing, NJ property. Rates are subject to change without notice.

Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your loan amount, loan type, FICO score, purpose, and loan to value.

Hazard insurance is required and flood Insurance may be required if the property is located in a flood zone. The payment listed above does not include amounts for taxes, homeowner’s insurance and flood insurance premiums. The actual payment obligation will be greater. The rate lock period is 30 days and rates are subject to market conditions thereafter. Loans are subject to credit approval.

In addition to the conforming loan products listed above, the credit union also offers JUMBO loans up to 80% of the purchase price or appraised value, FHA and discounted programs for First Time Home Buyers and Low-to-Moderate borrowers. To learn more about our loan programs or to receive a personalized loan quote, please reach us at 732-530-0619.

Annual Percentage Rates on these products are determined by an evaluation of applicant credit, collateral valuations, length of term and other considerations. Your rate may vary from the rate shown.

Payment examples: For a loan with an initial principal balance of $100,000 and an interest rate of 5.50% APR for a five-year term, the monthly payment for 60 months would be $1,910.10. For a loan with an initial principal balance of $100,000 and an interest rate of 5.75% APR for a seven-year term, the monthly payment for 84 months would be $1,448.89. For a loan with an initial principal balance of $100,000 and an interest rate of 6.00% APR for a ten-year term, the monthly payment for 120 months would be $1,110.20.

**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.