Credit union · NCUA insured
United Teletech Financial Auto Loan Rates
United Teletech Financial auto loans start at 4.38% APR for a new vehicle. Rates checked October 22, 2026.
How United Teletech Financial’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where United Teletech Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Teletech Financial
4.38%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
United Teletech Financial auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.38%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Teletech Financial ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Membership open to immediate family of existing members, employees of select employer groups, or through New Jersey Consumer Council (NJCC). No application fees. Up to 84 months terms available. Loans over 90% CLTV may be subject to an increase in APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.38% | Rate advertised is as low as and based on credit worthiness. Rate advertised includes a 0.50% discount on electronic payment from a United Teletech Checking Account and a 0.25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR. Flexible loan terms up to 84 months. |
Sources (2)
All captured Oct 22, 2026
Who can join United Teletech Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals living in New Jersey, New York, Pennsylvania, or Delaware are eligible for membership via inclusion in the New Jersey Consumer Council (NJCC), with UTF paying the cost for Individual Lifetime Membership.
Employers and groups
- Employees and volunteers of Select Employer Groups (SEGs) or affiliated associations are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Cost to join
- A $5 share deposit is required to join and open a share account, which must be maintained with at least $5 and used once a year to keep membership.
Membership information collected October 5, 2026.