University of Toledo Federal Credit Union
Membership Card Services Rates

University of Toledo Federal Credit Union

Important alerts:

Begining January 1st, 2014, UTFCU will be raising our NSF fee to $30.00.

Savings and Loan Rates


  • Loan Rates
  • Savings Rates

Looking to buy a car?

Auto Loans

UTFCU provides its members with competitive auto loans.

First Mortgages, Second Mortgages, Home Equity Lines of Credit Also Available

Annual percentage Rates are based on the member's individual credit worthiness. Risk based pricing applies. Rates will never exceed the usury limit set by the NCUA, which is currently 18% APR. Loans exempt from Risk Based Pricing are: Tuition Loans, Home Equity Loans and Visa Credit Cards.

Click here to read the required important terms of the home equity line of Credit/Home Equity Visa Classic card.

Automobiles & Motorcycles - Apply Now
Age Rate (as low as) Term
2014-2015 (new/untitled) 2.49% APR Up to 72 Months
2013-2014 (used) 2.74% APR Up to 72 Months
2007-2012 (used) 2.74% APR Up to 60 Months
     
Boats
Loan Amount Rate Term
Up to $15,000 7.49% Up to 72 Months
$15,000-$25,000 7.99% Up to 120 Months
Over $25,000 7.99% Up to 120 Months
Tent Camper's, Snowmobiles, ATV's, Personal Watercraft
7.99% APR
Other Loans - Apply Now
Signature 8.00% APR
Computer 8.00% APR (36 months)
VISA Platinum 7.9% or 12% APR
Share Covered 4.05% APR
Tuition 3.99% APR

Rates and Terms may vary after this date:

January 1, 2015

Members will forfeit dividends if they should close an account before accrued dividends are credited.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Savings
paid 12/31/14 0.05% APR 0.05% APY
Money Market Account Rates (effective 06/01/2013)
$2,500 - $10,000 0.10% APR 0.10% APY
$10,001 - $50,000 0.15% APR 0.15% APY
$50,001 - $100,000 0.20% APR 0.20% APY
$100,001 + 0.25% APR 0.25% APY
Savings Certificates
12 month/$1000 min 0.35% APR 0.35% APY
24 month/$1000 min 0.50% APR 0.50% APY
36 month/$1000 min 0.75% APR 0.75% APY
48 month/$1000 min 1.10% APR 1.10% APY
60 month/$1000 min 1.40% APR 1.40% APY
Early withdrawal penalty 12, 24, 36 month= 90 days dividends, 48, 60 month = 180 days dividends
IRA Certificates
12 month/$2000 min 0.35% APR 0.35% APY
24 month/$2000 min 0.50% APR 0.50% APY
36 month/$2000 min 0.75% APR 0.75% APY
48 month/$2000 min 1.10% APR 1.10% APY
60 month/$2000 min 1.40% APR 1.40% APY
Early withdrawal penalty 12, 24, 36 month= 90 days dividends, 48, 60 month = 180 days dividends
I.R.A. Accounts
0.25% APR 0.25% APY paid 12/31/14
0.25% APR 0.25% APY to be paid 3/31/15
$100 minimum, $10.00 annual fee < $500 balance
$25.00 early withdrawal fee
APY = Annual Percentage Yield

*The University of Toledo Federal Credit Union provides links to other World Wide Web and resources. UT FCU is not responsible directly or indirectly for any damages or loss caused from external sites. UT FCU neither endorses the information, content, presentation or accuracy of any external site. Thank you for visiting The University of Toledo Federal Credit Union Web Site.

Please be advised that the Credit Union will never contact you via Text Messaging. There is currently a text being sent out asking members to verify their ATM/Debit Card Number and Pin, due to them being compromised. This message is NOT being sent out from us. Please do not call the 800 number listed in that text. If there were a problem with your card, one of our member service reps would call you directly. We will never ask you to verify your pin number.

NCUA Equal Housing Lender VISA VISA

© UTFCU 2012

Toledo Website Design By Webcasters
Toledo SEO | Search Engine Optimization