Rates
|
Term |
Dividend Rate |
APY* |
PENALTY TERMS |
RENEWAL TERMS |
|---|---|---|---|---|
|
We’d Like You to Know: APY=Annual Percentage Yield. To qualify for the 4.00% APY for 7 months, a minimum opening deposit of $10,000 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 7-month term is 6 months. Penalty imposed for early withdrawal. For a certificate with a 7-month, penalty is 90 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA. |
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|
Term 7 Months |
Dividend Rate 3.9284% |
APY* 4.00% |
PENALTY TERMS 90 DAYS |
RENEWAL TERMS 6 MONTHS |
|
Term |
Dividend Rate |
APY* |
PENALTY TERMS |
RENEWAL TERMS |
|---|---|---|---|---|
|
We’d Like You to Know: APY=Annual Percentage Yield. To qualify for the 3.80% APY certificate for 13 months, a minimum opening deposit of $10,000 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 13-month term is 12 months. Penalty imposed for early withdrawal. For a certificate with a 13-month term, penalty is 180 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA. |
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|
Term 13 Months |
Dividend Rate 3.7353% |
APY* 3.80% |
PENALTY TERMS 180 DAYS |
RENEWAL TERMS 12 MONTHS |
|
Account Balance |
Dividend Rate |
APY |
|---|---|---|
|
Ultra Money Market Disclosure: *We’d Like You to Know: The posted APY (Annual Percentage Yield) is as of 10/1/2025 and is subject to change at any time. APY for balances of $1 – $49,999.99 = 0.25%; $50,000 or more = 3.45%. 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. |
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|
Account Balance $50,000 and over |
Dividend Rate 3.3966% |
APY 3.45% |
|
Account Balance $1,000 - $49,999.99 |
Dividend Rate 0.2497% |
APY 0.25% |
|
Account Balance |
Dividend Rate |
APY |
|---|---|---|
|
United Money Market Disclosure: **The posted APY (Annual Percentage Yield) is as of 10/1/2025 and is subject to change at any time. APY for balances of $1,000 – $9,999.99 = 0.25%; $10,000 – $24,999 = 2.00%; $25,000 – $9,999,999 = 2.50%. 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. |
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|
Account Balance $1,000-$9,999 |
Dividend Rate 0.2497% |
APY 0.25% |
|
Account Balance $10,000-$24,999 |
Dividend Rate 1.9819 % |
APY 2.00% |
|
Account Balance $25,000 and over |
Dividend Rate 2.4718% |
APY 2.50% |
|
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% |
|
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% |
|
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 24-35 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% |
|
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 Account |
Dividend Rate |
APY* |
|---|---|---|
|
Rate may change at any time. Rate accurate as of 1/1/2022. |
||
|
Balance Account $0 - $2,500.00 |
Dividend Rate 0.495% |
APY* 0.50% |
|
Balance Account $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 |
|---|---|---|
|
U-Savers Plus Disclosure: We’d Like You to Know: The posted APY (Annual Percentage Yield) is as of 10/1/2025 and is subject to change at any time. APY for balances of $0 – $999.99 = 0.00%; APY for balances $1,000.00 or more = 3.45%. Advertised rates and APYs are offered at the credit union’s discretion and may change daily. Actual earnings may vary. Minimum deposit of $1,000 to open an account. NCUA coverage will only apply to balances of $250,000 or less. Limit of six (6) electronic transfers per month. Up to three (3) checks per month may be drawn on the account free of charge. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details. |
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|
Account Balance $0-$999.99 |
Dividend Rate 0.00% |
APY 0.00% |
|
Account Balance $1,000-$49,999.99 |
Dividend Rate 3.3966% |
APY 3.45% |
|
Account Balance $50,000-$99,999.99 |
Dividend Rate 3.3966% |
APY 3.45% |
|
Account Balance $100,000-$149,999.99 |
Dividend Rate 3.3966% |
APY 3.45% |
|
Account Balance $150,000-$249,999.99 |
Dividend Rate 3.3966% |
APY 3.45% |
|
Account Balance $250,000-$349,999.99 |
Dividend Rate 3.3966% |
APY 3.45% |
|
Account Balance $350,000-$999,999.99 |
Dividend Rate 3.3966% |
APY 3.45% |
|
Account Balance $1,000,000 and over |
Dividend Rate 3.3966% |
APY 3.45% |
|
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% |
|
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 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 6.50% for a five-year term, the monthly payment for 60 months would be $195.66. For a loan with an initial principal balance of $10,000 and an interest rate of 7.50% for a seven-year term, the monthly payment for 84 months would be $153.37. Loans over 90% CLTV may be subject to an increase in APR. |
|
|
Term Up to 24 Months |
Rate 4.24% APR* |
|
Term 25 to 36 Months |
Rate 4.38% APR* |
|
Term 37 to 48 Months |
Rate 4.63% APR* |
|
Term 49 to 66 Months |
Rate 4.88% APR* |
|
Term 67 to 72 Months |
Rate 5.13% APR* |
|
Term 73 to 84 Months |
Rate 5.63% APR* |
|
We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans. |
| N/A |
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 6.25% 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 10/30/25 is 7.00% 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 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. |
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|
Powerline HELOC* (Variable Home Equity Line of Credit) |
Term 180 Months |
APR as low as 6.25% (Prime Rate - 0.75%) 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 5.50% 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 5.75% 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 6.00% 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 |
|
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 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 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. 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 5.38% 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 5.63% 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 5.88% 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 5.38% APR* |
|
Term 7 Years |
Rate 5.63% APR* |
|
Term 10 Years |
Rate 5.88% APR* |
Disclosures
*Fees may reduce earnings
*For information regarding early withdrawal penalities please see Section 8 of our Truth-in-Savings Disclosure