Rates
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 4.50% APR* |
Term 25 to 36 Months |
Rate 4.50% APR* |
Term 37 to 48 Months |
Rate 4.75% APR* |
Term 49 to 66 Months |
Rate 5.00% APR* |
Term 67 to 72 Months |
Rate 5.25% APR* |
Term 73 to 84 Months |
Rate 5.50% APR* |
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% |
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% |
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% |
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% |
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% |
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
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans. |
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 6.00% 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 6.00% 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 6.50% 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 |
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% |
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 8.75% and with a 5-year term, the APR will reflect a total finance cost of $12,382.34. |
|
Terms Up To Up to 48 months |
APR 8.75%* |
Terms Up To 49 to 60 months |
APR 8.75%* |
Terms Up To |
APR |
---|---|
Terms Up To Up to CD Maturity |
APR 3.00% above CD rate |
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 6.5% is $1,135.48 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 6.000% APR* |
Term 7 Years |
Rate 6.250% APR* |
Term 10 Years |
Rate 6.500% APR* |
Disclosures
*Fees may reduce earnings
*For information regarding early withdrawal penalities please see Section 8 of our Truth-in-Savings Disclosure