Rates

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