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UTELFCU WEBSITE

  VIRTUAL BRANCH ONLINE BANKING

 

LOAN APPLICATION

 

IMPORTANT

PHONE NUMBERS

 

 EZ Card VISA®

 

ScoreCard Rewards for VISA® Credit Cards

UTELFCU is your exclusive home-town financial institution!

 

Family Membership is encouraged!

 

AUTO LOANS!

 

 MORTGAGES!

 

HOME EQUITY

LOANS!

 

PERSONAL

LOANS!

 

CONSOLIDATION

LOANS!

INSURED BY

NCUA

Federally insured by NCUA

UTELFCU complies with the Federal Fair Housing Act

UTELFCU Loan Rates

NEW VEHICLE - AUTO, MOTORCYCLE, BOAT *
TERMS/REPAYMENT PERIOD (MONTHS)
GRADE 24 36 48 60 72 84
P 2.25% 2.25% 2.25% 2.50% 2.75% 3.00%
A 2.50% 2.50% 2.50% 2.75% 3.00% 3.25%
B 3.50% 3.50% 3.50% 3.75% 4.00% 4.25%
C 5.00% 5.00% 5.00% 5.25% 5.50% 5.75%
D 7.00% 7.00% 7.00% 7.50% 8.00% 8.50%
E 8.00% 8.00% 8.00% 8.50% 9.00% 9.50%

 

USED VEHICLE - AUTO, MOTORCYCLE, BOAT *
TERMS/REPAYMENT PERIOD (MONTHS)
GRADE 24 36 48 60 72 84
P 2.50% 2.50% 2.50% 2.75% 3.00% n/a
A 2.75% 2.75% 2.75% 3.00% 3.25% n/a
B 3.75% 3.75% 3.75% 4.00% 4.25% n/a
C 5.50% 5.50% 5.50% 5.75% 6.00% n/a
D 7.50% 7.50% 7.50% 8.00% 8.50% n/a
E 8.50% 8.50% 8.50% 9.00% 9.50% n/a

 

UNSECURED (INCLUDES HOME IMPROVEMENT) *
TERMS/REPAYMENT PERIOD (MONTHS)
GRADE 12 24 36 48 60 72
P 8.00% 8.25% 8.50% 8.75% 9.00% n/a
A 8.50% 8.75% 9.00% 9.25% 9.50% n/a
B 9.00% 9.25% 9.50% 9.75% 10.00% n/a
C 11.00% 11.25% 11.50% 11.75% 12.00% n/a
D 12.50% 12.75% 13.00% 13.25% 13.50% n/a
E 14.00% 14.25% 14.50% 14.75% 15.00% n/a

 

SHARE SECURED (100%)*
TERMS/REPAYMENT PERIOD (MONTHS)
GRADE 12 24 36 48 60 72
P 4.00% 4.25% 4.50% 4.75% 5.00% 5.25%
A 4.50% 4.75% 5.00% 5.25% 5.50% 5.75%
B 5.50% 5.75% 6.00% 6.25% 6.50% 6.75%
C 7.00% 7.00% 7.00% 7.00% 7.00% 7.00%
D 7.00% 7.00% 7.00% 7.00% 7.00% 7.00%
E 7.00% 7.00% 7.00% 7.00% 7.00% 7.00%

 

RV'S, MOTORHOMES, CAMPERS & TRAILERS (SUBTRACT .50% FOR MOBILE HOMES)*
TERMS/REPAYMENT PERIOD (MONTHS)
GRADE 48 60 72 84 96 120 144
P 5.00% 5.25% 5.50% 5.75% 6.00% 6.50% 7.00%
A 5.25% 5.50% 5.75% 6.00% 6.25% 6.75% 7.25%
B 5.75% 6.00% 6.25% 6.50% 6.75% 7.25% 7.75%
C 6.25% 6.75% 7.00% 7.25% 7.50% 8.00% 8.50%

 

TOYS - SNOWMOBILE, JETSKI, DIRTBIKE, EQUIPMENT, ETC…*
TERMS/REPAYMENT PERIOD (MONTHS)
GRADE 12-24 MONTHS 25- 60 MONTHS
P 4.00% 5.00%
A 4.25% 5.25%
B 5.25% 6.25%
C 6.75% 7.75%
D 8.75% 9.75%
E 10.00% 11.00%

 

GRADE CREDIT SCORE
P ≥ 750
A 680-749
B 640-679
C 600-639
D 550-599
E ≤ 549

LOAN APPLICATION

*Annual Percentage Rate

*Rates quoted with "As low as"

*Rates subject to change without notice

*Rate matching available with proper documentation

* 0.25% discount given with refinance from another institution

*Rates indicated hold for up to an additional six months beyond the term indicated

*84 month term loans restricted to certain luxury vehicles and classics based on expected life, resale value and credit union discretion of other underwriting considerations