Loan Rates

Secured Loans
Effective Date: Friday, May 24th, 2024
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Secured loan – 48 months 6.99% $23.95
Secured loan – 60 months 6.99% $19.81
Secured loan – 66 months 6.99% $18.30
Secured loan – 78 months 6.99% $15.43
Secured loan – 84 months 6.99% $15.10
Secured loan – 96 months 7.49% $13.89
*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: Friday, May 24th, 2024
NameAPR* As Low AsMonthly Payments/$1,000
Secured loan – 78 months 7.99% $16.49
Secured loan – 84 months 9.99% $16.61
Secured loan – 120 months 10.99% $13.78
*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.

Signature Loans
Effective Date: Friday, May 24th, 2024
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Signature Loan 11.99% $27.78

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: Friday, May 24th, 2024
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: Friday, May 24th, 2024
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.

Business Money Market Rates
Effective Date: Friday, May 24th, 2024
AccountDividend RateAPY**
Business Money Market – Up to $9,999 0.25% 0.25%
Business Money Market – $10,000-$24,999 0.50% 0.50%
Business Money Market – $25,000-$99,999 1.24% 1.25%
Business Money Market – $100,000-$249,999 3.93% 4.00%
Business Money Market – $250,000 and over 4.65% 4.75%

*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: Friday, May 24th, 2024
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: Friday, May 24th, 2024
AccountDividend RateAPY**
Premier U Share Draft 0.05% 0.05%
Premier U Plus Share Draft 0.05% 0.05%
U Rewards Share Draft*** 3.92% 4.00%

*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.

***This is a tiered account. The U Rewards dividend rate applies to balances up to and including $25,000. Balances in excess of $25,000 will earn the Premier U rate. This account has a variable dividend rate which is subject to change. ATM fees on qualifying accounts are reimbursed at the end of each month. If you do not meet the monthly U Rewards rate requirements (use your UTFCU debit card at least 20 times, Log in to online or mobile banking, have direct deposit, and maintain enrollment in eStatements), your account will earn the Premier U rate and you will not receive ATM fee refunds for that period. There is no minimum balance requirement. One account per individual taxpayer ID.

Certificate Rates $1,000-$9,999
Effective Date: Friday, May 24th, 2024
TermDividend RateAPY**
3 Months 0.449% 0.45%
6 Months 0.599% 0.60%
12 Months 1.492% 1.50%
14 Month Special ($25,000 MIN; $500,000 MAX)*** 4.890% 5.00%
18 Months 1.541% 1.55%
23 Month Bump Rate Special ($1,000 MIN; $500,000 MAX)**** 4.410% 4.50%
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 regular (non-special/promo) certificates, with the exception of Educational IRAs, 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.

***Annual Percentage Yield. Rate applies to new money deposits. $25,000 minimum. $500,000 maximum per individual member. Federally insured by NCUA. .

****This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum deposit per individual member. 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. 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.

Certificate Rates $10,000-$49,999
Effective Date: Friday, May 24th, 2024
TermDividend RateAPY**
3 Months 0.449% 0.45%
6 Months 0.599% 0.60%
12 Months 1.492% 1.50%
14 Month Special ($25,000 MIN; $500,000 MAX)*** 4.890% 5.00%
18 Months 1.541% 1.55%
23 Month Bump Rate Special ($500,000 MAX)**** 4.410% 4.50%
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 regular (non-special/promo) certificates, with the exception of Educational IRAs, 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.

***Annual Percentage Yield. Rate applies to new money deposits. $25,000 minimum. $500,000 maximum per individual member. Federally insured by NCUA. .

**** This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum deposit per individual member. 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. 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.

Certificate Rates $50,000 and over
Effective Date: Friday, May 24th, 2024
TermDividend RateAPY**
3 Months 0.449% 0.45%
6 Months 0.599% 0.60%
12 Months 1.492% 1.50%
14 Month Special ($25,000 MIN; $500,000 MAX)*** 4.890% 5.00%
18 Months 1.541% 1.55%
23 Month Bump Rate Special ($500,000 MAX)**** 4.410% 4.50%
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 regular (non-special/promo) certificates, with the exception of Educational IRAs, 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.

***Annual Percentage Yield. Rate applies to new money deposits. $25,000 minimum. $500,000 maximum per individual member. Federally insured by NCUA. .

**** This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum deposit per individual member. 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. 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.

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