Rates - UT Federal Credit Union

Loan Rates

Loan Type

APR* as low as…

Monthly Payment/$1,000

Secured loan – 48 months
Secured loan – 60 months
Secured loan – 66 months
Secured loan – 78 months
Secured loan – 84 months
Unsecured/Signature loan – 36 months
4.14
4.14
4.14
4.14
5.64
6.99
$22.64
$18.48
$16.97
$14.64
$14.44
$30.89

*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.

Credit Cards – Visa Platinum

Home Equity (fixed rate) – up to 100% Loan to Value

Home Equity Line of Credit (variable rate)

Savings Rates*

Account

Dividend Rate

APY**

Regular Shares
Youth Shares- up to $2,500
Youth Shares – over $2,500
Money Market – up to $1,999
Money Market – $2,000-$9,999
Money Market – $10,000-$24,999
Money Market – $25,000-$49,999
Money Market – $50,000 and up
Health Savings – $.01 and up
Holiday Club
Cumulative IRA
Premier U Share Draft
Premier U Plus Share Draft
U Rewards Share Draft
.05
1.00
.05
.05
.05
.10
.15
.20
.35
.50
.35
.05
.05
2.03
.05
1.00
.05
.05
.05
.10
.15
.20
.35
.50
.35
.05
.05
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*

Term

$1,000-$9,999

$10,000-$49,999

$50,000 and over

Term
3 month
6 months
12 months
18 months
24 months
30 months
Rate/APY**
.05/.05
.10/.10
.549/.550
1.195/1.200
1.492/1.500
1.541/1.550
Rate/APY**
.15/.15
.20/.20
.648/.650
1.294/1.300
1.590/1.600
1.640/1.650
Rate/APY**
.25/.25
.30/.30
.748/.750
1.393/1.400
1.689/1.700
1.739/1.750
35 Month Certificate Special

With Any UTFCU Checking Account:
Rate/APY***: 2.967/3.000

Without a UTFCU Checking Account:
Rate/APY***: 2.722/2.750

***APY= Annual Percentage Yield. $1,000 minimum. New Money Only. There may be a loss of accrued interest if there is an early withdrawal of funds.

36 months
48 months
18 Month Educational IRA ($100 min. & $2,000 max.)
1.590/1.600
1.689/1.700
1.294/1.300
1.689/1.700
1.788/1.800
1.788/1.800
1.887/1.900

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

**APY = Annual Percentage Yield.

Rates effective as of 07/30/2018.