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

HELOC Promotional Rate 5.99% for 6 months
	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. Introductory rate of 5.99% APR is good for six (6) months from loan disbursement date, then APR is variable based on the Wall Street Journal Prime Rate minus 0.75% to Prime Rate plus 3.25%, depending on credit worthiness. The Prime Rate as of 11/8/2024 is 7.75% 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 .25% discount for automatic payments from a qualifying UTF deposit account and 80% CLTV (Combined Loan to Value). Max Line amount is $250,000.00. Minimum initial draw of $30,000.00 required for introductory rate and to waive closing costs. 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.
HELOC Promotional Rate*	Term 6 months	APR as low as 5.99%*	Maximum Combined Loan-To-Value for Best Rate Up to 80% for Single Family	Amount Borrowed Up to $250,000

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Ultra Money Market Account
Account Balance	Dividend Rate	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 = 4.20%. 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	Dividend Rate 4.1212%	APY 4.20%
Account Balance $1-$49,999.99	Dividend Rate .2497%	APY 0.25%

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United Money Market Account
Account Balance	Dividend Rate	APY
*We’d Like You to Know: The posted APY (Annual Percentage Yield) is as of 11/1/2024 and is subject to change at any time. APY for balances of $1,000 – $9,999.99 = .25%; $10,000 – $24,999 = 2.80%; $25,000 – $9,999,999 = 3.30%. Advertised rates and APYs are offered at the credit union’s discretion and may change daily. Actual earnings may vary. Balances up to $9,999,999 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 $1,000-$9,999	Dividend Rate 0.2497%	APY 0.25%
Account Balance $10,000-$24,999	Dividend Rate 2.7647%	APY 2.80%
Account Balance $25,000 and over	Dividend Rate 3.2511%	APY 3.30%

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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%

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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%

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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 24-35 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* 2.5%
Term 60 Months	Dividend Rate 3.203%	APY* 3.25%

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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%

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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%

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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%

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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%

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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%

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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%

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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%

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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%

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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%

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U-Savers Money Market Account
Account Balance	Dividend Rate	APY
Rate may change at any time. Rate accurate as of 6/3/2024.
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 0.9954%	APY 1.00%
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%

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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%

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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%

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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 4.63% APR*
Term 25 to 36 Months	Rate 4.75% APR*
Term 37 to 48 Months	Rate 5.00% APR*
Term 49 to 66 Months	Rate 5.25% APR*
Term 67 to 72 Months	Rate 5.50% APR*
Term 73 to 84 Months	Rate 6.00% APR*

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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 0.75% depending on creditworthiness, and is not to exceed 16% APR. Prime rate as of 9/19/2024 is 8.00% APR. 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 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 6.50% APR for a five-year term, the monthly payment for 60 months would be $1,956.61. For a loan with an initial principal balance of $100,000 and an interest rate of 6.75% APR for a seven-year term, the monthly payment for 84 months would be $1,497.08. For a loan with an initial principal balance of $100,000 and an interest rate of 7.00% APR for a ten-year term, the monthly payment for 120 months would be $1,161.08. 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

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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%*

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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 creditworthiness and property approval. 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 6.50% APR for a five-year term, the monthly payment for 60 months would be $1,956.61. For a loan with an initial principal balance of $100,000 and an interest rate of 6.75% APR for a seven-year term, the monthly payment for 84 months would be $1,497.08. For a loan with an initial principal balance of $100,000 and an interest rate of 7.00% APR for a ten-year term, the monthly payment for 120 months would be $1,161.08. 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. 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