Loan Rates

UTELFCU 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%

 

Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc.*

TERMS/REPAYMENT PERIOD (MONTHS)

Grade 12-24 25-60
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%

*Rates quoted with “As low as”

*Rates subject to change without notice

*Rate matching available with proper documentation

*.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 leans restricted to certain luxury vehicles and classics based on expected life, resale value and credit union discretion of other underwriting considerations

OwnersChoice Funding

Apply Online with OwnersChoice Funding

Utica District Telephone Employees Federal Credit Union

Utica District Telephone Employees Federal Credit Union provides a complete range of financial services to employees of Verizon, Spectrum and Northland Communications and their families.

Routing Number

#221376924

Contact

Get In Touch

2812 Genesee Street
Utica, NY 13502

Office Hours: M-F: 8am-4pm
Phone: (315) 724-5133
Toll Free: (844) 470-9880
Fax: (315) 793-8296

NMLS ID

#439936

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