At UT Federal Credit Union, we believe that loyalty should be rewarded. As a valued member, you can take advantage of our relationship rates—special offers on savings and loan products that give you even more for your banking.
- Exclusive higher APYs on certificates
- Lower APRs on auto loans, recreational vehicle loans, and signature loans
As a member-focused credit union, UTFCU is committed to helping you make the most of your financial journey. Contact us today to learn more about how you can start saving with our relationship rates. We're here to help you achieve your financial goals—together.
How to Qualify for Relationship Rates:
Simply maintain an active UTFCU checking account, use your debit card, or meet other relationship criteria. It's that easy to unlock exclusive offers that help you grow your savings and minimize your loan payments.
Relationship Rates
Relationship Secure Loans
Effective Date: Friday, February 21st, 2025
| Loan Type | APR* As Low As | Monthly Payments/$1,000 |
|---|---|---|
| Relationship Secure Loan - 48 months | 6.24% | $23.60 |
| Relationship Secure Loan - 60 months | 6.24% | $19.45 |
| Relationship Secure Loan - 66 months | 6.24% | $17.94 |
| Relationship Secure Loan - 78 months | 6.24% | $15.63 |
| Relationship Secure Loan - 84 months | 6.24% | $14.73 |
| Relationship Secure Loan - 96 months | 6.74% | $13.51 |
| *APR=Annual Percentage Rate. The APR includes a 0.25% relationship discount for members with checking account and debit card. 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. | ||
Relationship Recreational Vehicles
Effective Date: Friday, February 21st, 2025
| Name | APR* As Low As | Monthly Payments/$1,000 |
|---|---|---|
| Relationship Secured Loan – 78 months | 7.74% | $16.36 |
| Relationship Secured Loan – 84 months | 9.74% | $16.47 |
| Relationship Secured Loan – 120 months | 10.74% | $13.63 |
| *APR = Annual Percentage Rate. The APR includes a 0.25% relationship discount for members with checking account and debit card. 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. | ||
Relationship Signature Loans
Effective Date: Friday, February 21st, 2025
| Loan Type | APR* As Low As | Monthly Payments/$1,000 |
|---|---|---|
| Relationship Signature Loan | 11.74% | $33.08 |
| *APR = Annual Percentage Rate. The APR includes a 0.25% relationship discount for members with checking account and debit card. 11.74% Rate is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Estimated monthly payment of $33.08 per $1,000.00 borrowed at 11.99% APR for 36 months. Other terms available based on credit and other factors. New money only. Eligibility required. NCUA insured. | ||
Relationship Certificate Rates
Effective Date: Friday, February 21st, 2025
| Term | Dividend Rate | APY** |
|---|---|---|
| 7 Month Relationship Special (See disclosure for qualifying conditions.)† | 4.27% | 4.35% |
| 14 Month Relationship Special (See disclosure for qualifying conditions.)† | 4.27% | 4.35% |
| †APY= Annual Percentage Yield. Rate applies to new money deposits. The 4.35% APY includes a 0.10% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 4.25%. Rate effective 01.08.2025. Rate is subject to change or end at any time. $5,000.00 minimum balance. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Terms and conditions apply. Federally insured by NCUA. | ||