Loan Rates

Looking to buy a car?

Buying-a-Vehicle-LogoUTFCU provides its members
with competitive auto loans.

First Mortgages, Second Mortgages, Home Equity Lines of Credit Also Available

Annual percentage Rates are based on the member’s individual credit worthiness. Risk based pricing applies. Rates will never exceed the usury limit set by the NCUA, which is currently 18% APR. Loans exempt from Risk Based Pricing are: Tuition Loans, Home Equity Loans and Visa Credit Cards.

Click here for Home Equity Disclosure

Loan Calculator with Credit Disability/Credit Life Only
Loan Calculator with CD/CL, GAP and MRC

DISCLAIMER: The accuracy of this online tool and its applicability to your circumstances is not guaranteed. You should obtain personal advice from a qualified professional.

Automobiles & Motorcycles – Apply Now

Year
Rate (as low as)
Term
2016-2017 (new/untitled)
2.49% APR
Up to 72 Months
2015-2016
2.74% APR
Up to 72 Months
2009-2014
2.74% APR
Up to 60 Months
2007-2008
2.74% APR
Up to 48 Months

Boats

Loan Amount
Rate
Term
Up to $15,000
as low as 7.49%
Up to 72 Months
$15,000-$25,000
as low as 7.99%
Up to 120 Months
Over $25,000
as low as 7.99%
Up to 120 Months

Tent Camper’s, Snowmobiles, ATV’s, Personal Watercraft

as low as 7.99% APR

Other Loans – Apply Now

Signature
as low as 8.00%
Computer
as low as 8.00% APR (36 months)
VISA Platinum
7.90% or 12.00% APR
Share Covered
4.05% APR
Tuition
3.99% APR (12 months)
Savings Rates

Rates and Terms may vary after this date:

April 1, 2017

Members will forfeit dividends if they should close an account before accrued dividends are credited.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Savings

Paid 9/30/17
0.05% APR
0.05% APY

Money Market Account Rates (effective 06/01/2013)

$2,500 – $10,000
0.10% APR
0.10% APY
$10,000+ – $50,000
0.15% APR
0.15% APY
$50,000+ – $100,000
0.20% APR
0.20% APY
$100,000 +
0.25% APR
0.25% APY

Savings Certificates

12 month/$1000 min
0.35% APR
0.35% APY
24 month/$1000 min
0.50% APR
0.50% APY
36 month/$1000 min
0.75% APR
0.75% APY
48 month/$1000 min
1.10% APR
1.10% APY
60 month/$1000 min
1.40% APR
1.40% APY

IRA Certificates

12 month/$2000 min
0.35% APR
0.35% APY
24 month/$2000 min
0.50% APR
0.50% APY
36 month/$2000 min
0.75% APR
0.75% APY
48 month/$2000 min
1.10% APR
1.10% APY
60 month/$2000 min
1.40% APR
1.40% APY

I.R.A. Accounts

0.25% APR
0.25% APY
paid 9/30/17
0.25% APR
0.25% APY
to be paid 12/31/17

 

$100 minimum, $10.00 annual fee < $500 balance

$25.00 early withdrawal fee

APY = Annual Percentage Yield