Rates

 

 

Ultra Money Market Account - $50,000 New Money Promotion

Account Balance

APY

*We’d Like You to Know: The posted APY (Annual Percentage Yield) is as of 8/1/2023 and is subject to change at any time. APY for balances of $1 – $49,999.99 = .25%; $50,000 or more = 4.40%. Advertised rates and APYs are offered at the credit union’s discretion and may change daily. Actual earnings may vary. Minimum deposit of $50,000 to open account. Minimum account funding of $50,000.00 with funds not currently on deposit with UTF is required to earn promotional rate. Balances up to $1,000,000 are eligible for the promotional APY, however, NCUA coverage will only apply to balances of $250,000 or less. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details.

Account Balance

$50,000 and over

APY

4.40%

Account Balance

$1-$49,999.99

APY

0.25%

To Open An Account Call 866-247-0065
5.25% APY Certificate Special for 13 Months - $20,000 New Money Promotion

Term 

Dividend Rate 

APY*

PENALTY TERMS

RENEWAL TERMS

We’d Like You to Know: APY=Annual Percentage Yield. To qualify for the 5.25% APY certificate a minimum opening deposit of $20,000 in new money is required and must be maintained throughout the term of the certificate. New money may include funds deposited into a new or existing member’s share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a 13-month certificate is 12 months. Penalty imposed for early withdrawal. For a certificate with a 13-month term, the penalty for early withdrawal is 180 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA.

Term 

13 Months

Dividend Rate 

5.1277%

APY*

5.25%

PENALTY TERMS

180 DAYS

RENEWAL TERMS

12 MONTHS

To Open An Account Call 866-247-0065
5.10% APY Certificate Special for 9 Months - $20,000 New Money Promotion

Term 

Dividend Rate 

APY*

PENALTY TERMS

RENEWAL TERMS

We’d Like You to Know: APY=Annual Percentage Yield. To qualify for the 4.75% APY certificate for 21 months, members must contact our team to roll over their share certificate before its maturity date. For new buyers, a minimum opening deposit of $20,000 in new money is required and must be maintained throughout the term of the certificate. New money may include funds deposited into a new or existing member’s share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a 9-month certificate is 6 months. Penalty imposed for early withdrawal. For a certificate with a 9-month term, the penalty for early withdrawal is 90 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA.

Term 

9 Months

Dividend Rate 

4.9845%

APY*

4.50%

PENALTY TERMS

90 DAYS

RENEWAL TERMS

6 MONTHS

To Open An Account Call 866-247-0065
4.75% APY Certificate Special for 21 Months - $20,000 New Money Promotion

Term 

Dividend Rate 

APY*

PENALTY TERMS

RENEWAL TERMS

We’d Like You to Know: APY=Annual Percentage Yield. To qualify for the 4.75% APY certificate for 21 months, members must contact our team to roll over their share certificate before its maturity date. For new buyers, a minimum opening deposit of $20,000 in new money is required and must be maintained throughout the term of the certificate. New money may include funds deposited into a new or existing member’s share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a 21-month certificate is 12 months. Penalty imposed for early withdrawal. For a certificate with a 21-month term, the penalty for early withdrawal is 180 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA.

Term 

21 Months

Dividend Rate 

4.6496%

APY*

4.75%

PENALTY TERMS

180 DAYS

RENEWAL TERMS

12 MONTHS

To Open An Account Call 866-247-0065
4.50% APY Certificate Special for 36 Months - $25,000 New Money Promotion

Term 

Dividend Rate 

APY*

PENALTY TERMS

RENEWAL TERMS

We’d Like You to Know: APY=Annual Percentage Yield. To qualify for the  4.50% APY certificate for 36 months, a minimum opening deposit of $25,000 in new money is required and must be maintained throughout the term of the certificate. New money may include funds deposited into a new or existing member’s share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a certificate with a 3-year term is 12 months. Penalty imposed for early withdrawal. For a certificate with a 3-year term, the penalty for early withdrawal is 180 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA.

Term 

36 Months

Dividend Rate 

4.4097%

APY*

4.50%

PENALTY TERMS

180 DAYS

RENEWAL TERMS

12 MONTHS

To Open An Account Call 866-247-0065
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
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%

Certificate Accounts & IRAs with a Balance of $500 -$24,999.99

Term

Dividend Rate

APY*

Term

3-5 Months

Dividend Rate

0.099%

APY*

0.10%

Term

6-11 Months

Dividend Rate

0.099%

APY*

0.10%

Term

12-17 Months

Dividend Rate

0.995%

APY*

1.00%

Term

18-23 Months

Dividend Rate

1.243%

APY*

1.25%

Term

24-35 Months

Dividend Rate

1.489%

APY*

1.50%

Term

36-47 Months

Dividend Rate

1.981%

APY*

2.00%

Term

48-59 Months

Dividend Rate

2.227%

APY*

2.25%

Term

60 Months

Dividend Rate

2.959%

APY*

3.00%

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

0.099%

APY*

0.10%

Term

6-11 Months

Dividend Rate

0.099%

APY*

0.10%

Term

12-17 Months

Dividend Rate

0.995%

APY*

1.00%

Term

18-23 Months

Dividend Rate

1.243%

APY*

1.25%

Term

24-235 Months

Dividend Rate

1.736%

APY*

1.75%

Term

36-47 Months

Dividend Rate

1.982%

APY*

2.00%

Term

48-59 Months

Dividend Rate

2.472%

APY*

2.5%

Term

60 Months

Dividend Rate

3.203%

APY*

3.25%

Book an Appointment to open a CD/ IRA
Certificate Accounts & IRAs with a Balance of $50,000 - $74,999.99

Term 

Dividend Rate 

APY*

Term 

3-5 Months

Dividend Rate 

0.099%

APY*

0.10%

Term 

6-11 Months

Dividend Rate 

0.099%

APY*

0.10%

Term 

12-17 Months

Dividend Rate 

0.995%

APY*

1.00%

Term 

18-23 Months

Dividend Rate 

1.243%

APY*

1.25%

Term 

24-35 Months

Dividend Rate 

1.736%

APY*

1.75%

Term 

36-47 Months

Dividend Rate 

1.982%

APY*

2.00%

Term 

48 - 59 Months

Dividend Rate 

2.472%

APY*

2.50%

Term 

60 Months

Dividend Rate 

3.203%

APY*

3.25%

Book an Appointment to open a CD/ IRA
Certificate Accounts & IRAs with a Balance of $75,000 - $99,999.99

Term

Dividend Rate

APY*

Term

3-5 Months

Dividend Rate

0.099%

APY*

0.10%

Term

6-11 Months

Dividend Rate

0.099%

APY*

0.10%

Term

12-17 Months

Dividend Rate

1.489%

APY*

1.50%

Term

18-23 Months

Dividend Rate

1.736%

APY*

1.75%

Term

24-35 Months

Dividend Rate

1.982%

APY*

2.00%

Term

36-47 Months

Dividend Rate

2.472%

APY*

2.50%

Term

48-59 Months

Dividend Rate

2.959%

APY*

3.00%

Term

60 Months

Dividend Rate

3.203%

APY*

3.25%

Book an Appointment to open a CD/ IRA
Certificate Accounts & IRAs with a Balance of $100,000 and over

Term

Dividend Rate

APY1

Term

3-5 Months

Dividend Rate

0.099%

APY1

0.10%

Term

6-11 Months

Dividend Rate

0.099%

APY1

0.10%

Term

12-17 Months

Dividend Rate

1.982%

APY1

2.00%

Term

18-23 Months

Dividend Rate

2.227%

APY1

2.25%

Term

24-35 Months

Dividend Rate

2.472%

APY1

2.50%

Term

36-47 Months

Dividend Rate

2.959%

APY1

3.00%

Term

48-59 Months

Dividend Rate

3.203%

APY1

3.25%

Term

60 Months

Dividend Rate

3.445%

APY1

3.50%

Book an Appointment to open a CD/ IRA
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
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
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
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
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

0.095%

APY1

0.10%

Account Type

Vacation Club Savings Account

Min. Balance

$5.00

Dividend Rate

0.095%

APY1

0.10%

Book an Appointment to open a Holiday/Vacation Club Savings Account
U-Savers Money Market Accounts

Account Balance

Dividend Rate

APY

Rate may change at any time. Rate accurate as of 5/1/2023.

Account Balance

$0-$999.99

Dividend Rate

0.00%

APY

0.00%

Account Balance

$1,000-$49,999.99

Dividend Rate

0.2497%

APY

0.25%

Account Balance

$50,000-$99,999.99

Dividend Rate

0.4988%

APY

0.50%

Account Balance

$100,000-$149,999.99

Dividend Rate

0.4988%

APY

0.50%

Account Balance

$150,000-$249,999.99

Dividend Rate

0.4988%

APY

0.50%

Account Balance

$250,000-$349,999.99

Dividend Rate

0.9954%

APY

1.00%

Account Balance

$350,000-$999,999.99

Dividend Rate

0.9954%

APY

1.00%

Account Balance

$1,000,000 and over

Dividend Rate

1.2429%

APY

1.25%

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

0.095%

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%

Book an Appointment to open an Estate Money Market Account
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
Auto Loans

Term

Rate

APR= Annual Percentage Rate. Rate advertised is as low as, and based on credit worthiness. Rate advertised includes a .50% discount for electronic payment from a United Teletech Checking Account.

Term

Up to 24 Months

Rate

5.25% APR*

Term

25 to 36 Months

Rate

5.25% APR*

Term

37 to 48 Months

Rate

5.50% APR*

Term

49 to 66 Months

Rate

5.75% APR*

Term

67 to 72 Months

Rate

6.00% APR*

Term

73 to 84 Months

Rate

6.50% APR*

Book an Appointment to open a Vehicle Loan
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

Maximum Combined Loan-To-Value for Best Rate:

Amount Borrowed

*We’d Like You To Know: APR=Annual Percentage Rate. Rate of 7.75% APR is variable based on the Wall Street Journal Prime Rate minus 0.50% depending on creditworthiness, and is not to exceed 16%. Prime rate as of 7/26/2023 is 8.50%. 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.

Powerline HELOC* (Variable Home Equity Line of Credit)

Term

180 Months

APR as low as

7.75% (Prime Rate - 0.50%) 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

6.50% 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

6.50% 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

7.00% 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

Book an Appointment to open a Home Loan
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, for a $10,000 personal loan at 9.25% and with a 5-year term, the APR will reflect a total finance cost of $12,527.94.

Terms Up To

Up to 48 months

APR

9.25%*

Terms Up To

49 to 60 months

APR

9.25%*

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 creditworthiness and property approval. Minimum loan amount is $100,000. Maximum Loan amount is $450,000. The monthly payment for a ten-year $100,000 Timeshifter Mortgage with a note rate of 7.00% is $1,161.08 paid over 120 months. APR is based on a $250,000 loan. Advertised rate includes 0.25% discount for direct deposit into a United Teletech checking account. For cash out transactions, please add 0.125% to the rate. Max CLTV is 80%. Terms and Conditions may apply. For cost information please call 866-462-5532.

 

Term

5 Years

Rate

6.500% APR*

Term

7 Years

Rate

6.750% APR*

Term

10 Years

Rate

7.000% APR*

Disclosures

*Fees may reduce earnings

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