Loan Rates

Secured Loans
Effective Date: Tuesday, November 29th, 2022
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Secured loan – 48 months 5.99% $23.48
Secured loan – 60 months 5.99% $19.33
Secured loan – 66 months 5.99% $17.83
Secured loan – 78 months 5.99% $15.51
Secured loan – 84 months 5.99% $14.61
*APR = Annual Percentage Rate. Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply.

Recreational Vehicles
Effective Date: Tuesday, November 29th, 2022
NameAPR* As Low AsMonthly Payments/$1,000
Secured loan – 78 months 6.99% $16.00
Secured loan – 84 months 8.99% $16.09
Secured loan – 120 months 9.99% $13.22

Signature Loans
Effective Date: Tuesday, November 29th, 2022
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Winter Personal Loan Special – 36 Months 8.99% $31.80
* APR=Annual Percentage Rate. Promotional period is 11/15/2022 – 02/28/2023. 8.99% APR is for a 36-month term with a minimum of $500.00 and maximum of $20,000.00 borrowed. Other rates, terms, and amounts available based on credit and other factors. No down payment required. Estimated monthly payment of $31.80 per $1,000.00 borrowed at 8.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.

Credit Cards
Loan TypeTerm
Visa Platinum View Rates, Terms and Conditions

Home Equity
Loan TypeTerm
Home Equity (fixed rate) – up to 100% Loan to Value Contact the credit union for terms and rates
Home Equity Line of Credit (variable rate) Contact the credit union for terms and rates

Deposit Rates

Savings Rates
Effective Date: Tuesday, November 29th, 2022
AccountDividend RateAPY**
Regular Shares 0.05% 0.05%
Health Savings – $.01 and up 0.10% 0.10%
Holiday Club 0.50% 0.50%
Cumulative IRA 0.10% 0.10%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Money Market Rates
Effective Date: Tuesday, November 29th, 2022
AccountDividend RateAPY**
Money Market – up to $1,999 0.05% 0.05%
Money Market – $2,000-$9,999 0.05% 0.05%
Money Market – $10,000-$24,999 0.10% 0.10%
Money Market – $25,000-$49,999 0.15% 0.15%
Money Market – $50,000 and up 0.20% 0.20%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Youth Account Rates
Effective Date: Tuesday, November 29th, 2022
AccountDividend RateAPY**
Youth Shares- up to $2,500 1.00% 1.00%
Youth Shares – over $2,500 0.05% 0.05%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Checking Accounts
Effective Date: Tuesday, November 29th, 2022
AccountDividend RateAPY**
Premier U Share Draft 0.05% 0.05%
Premier U Plus Share Draft 0.05% 0.05%
U Rewards Share Draft 2.03% 2.05%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Certificate Rates $1,000-$9,999
Effective Date: Tuesday, November 29th, 2022
TermDividend RateAPY**
3 months 0.449% 0.45%
6 months 0.599% 0.60%
12 months 1.492% 1.50%
18 months 1.541% 1.55%
23 Month Bump Rate Special*** (100% New Deposit Rate, $500,000.00 MAX Per Individual Member)**** 3.700% 3.75%
23 Month Bump Rate Special*** (Rate if Not 100% New Deposits, $500,000.00 MAX Per Individual)**** 3.210% 3.25%
24 months 1.590% 1.60%
30 months 1.640% 1.65%
36 months 1.689% 1.70%
48 months 1.739% 1.75%
18 Month Educational IRA ($100 min. & $2,000 max.) 1.541% 1.55%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UT Federal Credit Union branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UT Federal Credit Union. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals.

****Annual Percentage Yield. Rate promotion begins on 11.10.2022 and can end at any time without notice. This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum deposit per individual member. There will be an additional .50% APY to the current rate for new money. The entire certificate must be new money to get this additional rate. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

Certificate Rates $10,000-$49,999
Effective Date: Tuesday, November 29th, 2022
TermDividend RateAPY**
3 months 0.449% 0.45%
6 months 0.599% 0.60%
11 Month Special (100% New Deposit Rate, $25,000 MIN, $500,000 MAX Per Individual Member) ***** 4.410% 4.50%
11 Month Special (Rate if Not 100% New Deposit, $25,000 MIN, $500,000 MAX Per Individual Member) ***** 3.930% 4.00%
12 months 1.492% 1.50%
18 months 1.541% 1.55%
23 Month Bump Rate Special*** (100% New Deposit Rate, $500,000.00 MAX Per Individual Member)**** 3.700% 3.75%
23 Month Bump Rate Special*** (Rate if Not 100% New Deposits, $500,000.00 MAX Per Individual Member)**** 3.210% 3.25%
24 months 1.590% 1.60%
30 months 1.640% 1.65%
36 months 1.689% 1.70%
48 months 1.739% 1.75%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UT Federal Credit Union branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UT Federal Credit Union. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals.

****Annual Percentage Yield. Rate promotion begins on 11.10.2022 and can end at any time without notice. This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum deposit per individual member. There will be an additional .50% APY to the current rate for new money. The entire certificate must be new money to get this additional rate. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

***** Annual Percentage Yield. Rate promotion begins on 11.18.2022 and can end at any time without notice. This 11-month certificate has a $25,000.00 minimum and a $500,000.00 maximum deposit per individual member. There will be an additional .50% APY to the current rate for new money. The entire certificate must be new money to get this additional rate. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

Certificate Rates $50,000 and over
Effective Date: Tuesday, November 29th, 2022
TermDividend RateAPY**
3 months 0.449% 0.45%
6 months 0.599% 0.60%
11 Month Special (100% New Deposit Rate, $25,000 MIN, $500,000 MAX Per Individual Member) ***** 4.410% 4.50%
11 Month Special (Rate if Not 100% New Deposit, $25,000 MIN, $500,000 MAX Per Individual Member) ***** 3.930% 4.00%
12 months 1.492% 1.50%
18 months 1.541% 1.55%
23 Month Bump Rate Special*** (100% New Deposit Rate, $500,000.00 MAX Per Individual Member)**** 3.700% 3.75%
23 Month Bump Rate Special*** (Rate if Not 100% New Deposits, $500,000.00 MAX Per Individual Member)**** 3.210% 3.25%
24 months 1.590% 1.60%
30 months 1.640% 1.65%
36 months 1.689% 1.70%
48 months 1.739% 1.75%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UT Federal Credit Union branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UT Federal Credit Union. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals.

****Annual Percentage Yield. Rate promotion begins on 11.10.2022 and can end at any time without notice. This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum deposit per individual member. There will be an additional .50% APY to the current rate for new money. The entire certificate must be new money to get this additional rate. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

***** Annual Percentage Yield. Rate promotion begins on 11.18.2022 and can end at any time without notice. This 11-month certificate has a $25,000.00 minimum and a $500,000.00 maximum deposit per individual member. There will be an additional .50% APY to the current rate for new money. The entire certificate must be new money to get this additional rate. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

Go to main navigation