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
