What are the current interest rates at U T?

Current rates for U T include: 12-Month CD: 1.50%, 18-Month CD: 1.55%, 24-Month CD: 1.60%, Savings: 0.10%, MMA: 0.05%

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U T

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U T Rates & Review September 2026

Q: How many branches does U T operate?

U T currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join U T?

Yes, to access services at U T, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, U T does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, U T provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

U T's 7 Month Relationship Special rates are at 4.25%, 14 Month Relationship Special rates are at 4.00%, 35 Month Relationship Special rates are at 4.00%, 7 Month CD rates are at 4.00%, 7 Month Relationship Special - Relationship Pricing rates are at 4.00%. U T's savings rates are at 0.10%. U T's money market rates are at 0.05%. U T's Personal Loan Rates are as low as 11.99%. MonitorBankRates evaluates the financial stability of U T with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.19%. Rates last updated and verified on 09/22/2026.

U T money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at U T? Share your experience about U T by leaving a review below, or read customer reviews before you decide to use U T.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.19%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

U T
UT Federal Credit Union - Corporate Office

1512 Coleman Rd
Knoxville, TN 37909

http://www.utfcu.org

U T CD Rates

Product	Rate	APY	Term
7 Month Relationship Special	4.17%	4.25%	7 Month
Min Balance $5,000 Details Relationship Special (See disclosure for qualifying conditions.); APY= Annual Percentage Yield. Rate applies to new money deposits. The 4.25% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 4.00% APY. Rate effective 9.22.2026. Rate is subject to change or end at any time. $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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
14 Month Relationship Special	3.93%	4.00%	14 Month
Min Balance $5,000 Details Relationship Special (See disclosure for qualifying conditions.); APY= Annual Percentage Yield. Rate applies to new money deposits. The 4.00% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 3.75% APY. Rate effective 9.22.2026. Rate is subject to change or end at any time. $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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
35 Month Relationship Special	3.93%	4.00%	35 Month
Min Balance $5,000 Details Relationship Special (See disclosure for qualifying conditions.); APY= Annual Percentage Yield. Rate applies to new money deposits. The 4.00% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 3.75% APY. Rate effective 7.20.2026. Rate is subject to change or end at any time. $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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
7 Month Certificate	3.93%	4.00%	7 Months
Min Balance $5,000 Details Rate applies to new money deposits. Rate effective 9.22.2026. Rate is subject to change or end at any time. $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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
7 Month Relationship Special - Relationship Pricing	-	4.00%	7 Month
Min Balance $5,000 Details See disclosure for qualifying conditions. APY= Annual Percentage Yield. Rate applies to new money deposits. The 4.25% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 4.00% APY. Rate effective 9.22.2026. Rate is subject to change or end at any time. $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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
14 Month Certificate	3.69%	3.75%	14 Months
Min Balance $5,000 Details Rate applies to new money deposits. Rate is subject to change or end at any time. $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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
35 Month Certificate	3.69%	3.75%	35 Months
Min Balance $5,000 Details Rate applies to new money deposits. $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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
48 Month Certificate	1.74%	1.75%	48 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
36 Month Certificate	1.69%	1.70%	36 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
30 Month Certificate	1.64%	1.65%	30 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
24 Month Certificate	1.59%	1.60%	24 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
18 Month Certificate	1.54%	1.55%	18 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
18 Month Educational IRA	1.54%	1.55%	18 Month
Min Deposit $100 Min Balance $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
12 Month Certificate	1.49%	1.50%	12 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
6 Month Certificate	0.60%	0.60%	6 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
3 Month Certificate	0.45%	0.45%	3 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

U T Savings Rates

Product	Rate	APY
U Earn Savings	3.59%	3.59%
Min Deposit $25,000 Min Balance $250,000 Details Qualifications Required: UTFCU consumer checking account and receive at least $500 in total direct deposits per month; Balance: $250,000 and over; APY = Annual Percentage Yield. Dividend rate displayed is subject to change without notice. This is a tiered account. Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
U Earn Savings	3.20%	3.25%
Min Deposit $25,000 Min Balance $100,000 Details Qualifications Required: UTFCU consumer checking account and receive at least $500 in total direct deposits per month; Balance: $100,000 - $249,999; APY = Annual Percentage Yield. Dividend rate displayed is subject to change without notice. This is a tiered account. Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
U Earn Savings	2.72%	2.75%
Min Deposit $25,000 Min Balance $25,000 Details Qualifications Required: UTFCU consumer checking account and receive at least $500 in total direct deposits per month; Balance: $25,000 - $99,999; APY = Annual Percentage Yield. Dividend rate displayed is subject to change without notice. This is a tiered account. Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Holiday Club	0.50%	0.50%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Health Savings	0.10%	0.10%
Details $.01 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

U T Money Market Rates

Product	Rate	APY
Business Money Market	3.78%	3.85%
Min Balance $250,000 Details Balance: $250,000 and over; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Business Money Market	3.25%	3.30%
Min Balance $100,000 Details Balance: $100,000-$249,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Business Money Market	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000-$99,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Business Money Market	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000-$24,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Business Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 - $9,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market and up	0.20%	0.20%
Min Balance $50,000 Details $50,000; Balance: $50,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market	0.15%	0.15%
Min Balance $25,000 Details $25,000-$49,999; Balance: $25,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market	0.10%	0.10%
Min Balance $10,000 Details $10,000-$24,999; Balance: $10,000 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market	0.05%	0.05%
Min Balance $0 Details up to $1,999; Balance: $0.00 - $1,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Money Market	0.05%	0.05%
Min Balance $2,000 Details $2,000-$9,999; Balance: $2,000 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

U T Personal Loan Rates

Product	APR	Term
Relationship Signature Loan	11.99%	36-month
Details As Low As; New money only. NCUA insured. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Signature Loan	11.99%	36-month
Details As Low As; New money only. Eligibility required. NCUA insured. Maximum of $10,000.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

U T Other Rates

Product	Rate	Points	APY/APR
Cumulative IRA	0.10%	-	0.10%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Regular Shares	0.05%	-	0.05%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
U Rewards Share Draft	3.20%	-	3.25%
Min Balance $0 Details Qualifications Required: use your UTFCU debit card at least 20 times; Log in to online or mobile banking; have direct deposit; maintain enrollment in eStatements; Balance: up to $25,000; Balances in excess of $25,000 will earn the Premier U rate. This account has a variable dividend rate which is subject to change. ATM fees on qualifying accounts are reimbursed at the end of each month. If you do not meet the monthly U Rewards rate requirements (use your UTFCU debit card at least 20 times, Log in to online or mobile banking, have direct deposit, and maintain enrollment in eStatements), your account will earn the Premier U rate and you will not receive ATM fee refunds for that period. There is no minimum balance requirement. One account per individual taxpayer ID. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
U Rewards Share Draft	0.05%	-	0.05%
Min Balance $25,000 Details Balance: on remaining balance over $25,000; Balances in excess of $25,000 will earn the Premier U rate. This account has a variable dividend rate which is subject to change. ATM fees on qualifying accounts are reimbursed at the end of each month. If you do not meet the monthly U Rewards rate requirements (use your UTFCU debit card at least 20 times, Log in to online or mobile banking, have direct deposit, and maintain enrollment in eStatements), your account will earn the Premier U rate and you will not receive ATM fee refunds for that period. There is no minimum balance requirement. One account per individual taxpayer ID. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
U Rewards Share Draft	3.20%	-	3.25%
Min Balance $0 Details Qualifications Required: use your UTFCU debit card at least 20 times; Log in to online or mobile banking; have direct deposit; and maintain enrollment in eStatements; U Rewards Share Draft*** - up to $25,000; Balance: $0.00 - $25,000.00; ATM fees on qualifying accounts are reimbursed at the end of each month. If you do not meet the monthly U Rewards rate requirements (use your UTFCU debit card at least 20 times, Log in to online or mobile banking, have direct deposit, and maintain enrollment in eStatements), your account will earn the Premier U rate and you will not receive ATM fee refunds for that period. There is no minimum balance requirement. One account per individual taxpayer ID. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
U Save Round-Up	4.89%	-	5.00%
Details Rate effective 5.21.2025. Rate is subject to change or end at any time. No other deposit methods are permitted into the U Save account. Funds can be withdrawn at any time. Terms and conditions apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Youth Shares	1.00%	-	1.00%
Min Balance $0 Details Balance: up to $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%
Youth Shares	0.05%	-	0.05%
Min Balance $2,500 Details Balance: over $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

U T’s Texas Ratio stayed near 1.41% in Q2 2023 to 1.19% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$572M	1.19%	5.0	A+
December 31, 2025	$562M	1.48%	5.0	A+
September 30, 2025	$552M	1.45%	5.0	A+
June 30, 2025	$535M	0.84%	5.0	A+
March 31, 2025	$539M	0.97%	5.0	A+
December 31, 2024	$518M	1.33%	5.0	A+
September 30, 2024	$522M	0.96%	5.0	A+
June 30, 2024	$498M	1.04%	5.0	A+
March 31, 2024	$498M	1.06%	5.0	A+
December 31, 2023	$479M	1.25%	5.0	A+
September 30, 2023	$472M	1.13%	5.0	A+
June 30, 2023	$468M	1.41%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for U T is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather U T rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with U T's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name U T

Website http://www.utfcu.org

Address 1512 Coleman Rd, Knoxville, TN 37909

Phone 865-971-1971

Fax

President Mike McNeil

CEO Kenyon Warren

Full-Time Employees 100

Part-Time Employees 3

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.19%

Return on Assets (ROA)

0.1021%

Return on Equity (ROE)

1.1028%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

572,064,551

Total Amount of Shares and Deposits

494,893,489

Total Shares and Deposits < 1 Year

479,345,939

Total Shares and Deposits 1 3 Years

15,527,184

Total Shares and Deposits > 3 Years

20,365

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

41,137,840

Total Uninsured Shares and Deposits > $250K (F+J)

41,137,840

Total Insured Shares and Deposits > $250K (item 17 less item K)

453,755,649

Total Interest Expense (Sum of items 6 8)

2,240,555

Share Certificates

2,853

Number of Accounts for Share Drafts

13,899

IRA KEOGH Accounts

238

Number of Accounts for Regular Shares

31,442

All other shares

Non Member Deposits

Money Market Shares

1,399

Net Income (unless the amount is already included in Undivided Earnings)

584,148

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

54,284,740

Total Liabilities

523,145,735

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

U T earned the Verified Healthy badge

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Frequently Asked Questions About U T

How many branches does U T operate?

U T currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join U T?

Yes, to access services at U T, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, U T does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, U T provides members with tools to manage their accounts and build a solid financial history.

Does U T offer online and mobile banking?

Most modern institutions like U T provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.utfcu.org.