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United Teletech Financial Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
United Teletech Financial Federal Credit Union's 60 Month CD Accounts & IRAs rates are at 3.50%, 48 - 59 Month CD Accounts & IRAs rates are at 3.25%, CD Accounts & IRAs - 60 month rates are at 3.25%, 36 - 47 Month CD Accounts & IRAs rates are at 3.00%, 24 - 35 Month CD Accounts & IRAs rates are at 2.50%. United Teletech Financial Federal Credit Union's savings rates are at 0.50%. United Teletech Financial Federal Credit Union's money market rates are at 3.15%. United Teletech Financial Federal Credit Union's First Mortgage - 15-Year Fixed Mortgage rates are at 6.75%, First Mortgage - 30-Year Fixed Mortage rates are at 7.62%. United Teletech Financial Federal Credit Union's Personal Loan Rates are as low as 8.75%. United Teletech Financial Federal Credit Union's CD rates are 33% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of United Teletech Financial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.09%. Rates last updated and verified on 10/29/2026.
United Teletech Financial Federal Credit Union 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 United Teletech Financial Federal Credit Union? Share your experience about United Teletech Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United Teletech Financial Federal Credit Union.
United Teletech Financial Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
United Teletech Financial Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
7.09%
ExcellentHigher than avg
United Teletech Financial Federal Credit Union Texas Ratio
United Teletech Financial Federal Credit Union's Texas Ratio is 7.09%, which is considered excellent and is higher than the national average of 6.13%.
United Teletech Financial Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
United Teletech Financial Federal Credit Union Health Trend
10.71% to 7.09% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
United Teletech Financial Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate Special for 15 month
4.266%
4.35%
15 Months
Min Deposit$10,000
DetailsNew Money Promotion; $10,000 minimum opening deposit in new money, must be maintained throughout the term; Penalty: 180 days interest; Renewal term: 12 months
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
9 Month Certificate Special
4.025%
4.10%
9 Months
Min Deposit$10,000
Details4.10% APY Certificate Special for 9 Months - $10,000 New Money Promotion; new money minimum opening deposit of $10,000 must be maintained for the term; Penalty: 90 DAYS (90 days interest); Renewal term: 6 MONTHS
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
60 Month Certificate Accounts & IRAs
3.445%
3.50%
60 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
48 - 59 Month Certificate Accounts & IRAs
3.203%
3.25%
48-59 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
60 Month Certificate Accounts & IRAs
3.203%
3.25%
60 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
60 Month Certificate Accounts & IRAs
3.203%
3.25%
60 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 60 month
3.203%
3.25%
60 Months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
36 - 47 Month Certificate Accounts & IRAs
2.959%
3.00%
36-47 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
48 - 59 Month Certificate Accounts & IRAs
2.959%
3.00%
48-59 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
60 Month Certificate Accounts & IRAs
2.959%
3.00%
60 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
24 - 35 Month Certificate Accounts & IRAs
2.472%
2.50%
24-35 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
36 - 47 Month Certificate Accounts & IRAs
2.472%
2.50%
36-47 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
48 - 59 Month Certificate Accounts & IRAs
2.472%
2.50%
48 - 59 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 48-59 month
2.472%
2.50%
48-59 months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
18 - 23 Month Certificate Accounts & IRAs
2.227%
2.25%
18-23 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
48 - 59 Month Certificate Accounts & IRAs
2.227%
2.25%
48-59 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
12 - 17 Month Certificate Accounts & IRAs
1.982%
2.00%
12-17 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
24 - 35 Month Certificate Accounts & IRAs
1.982%
2.00%
24-35 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
36 - 47 Month Certificate Accounts & IRAs
1.981%
2.00%
36-47 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
36 - 47 Month Certificate Accounts & IRAs
1.982%
2.00%
36-47 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 36-47 month
1.982%
2.00%
36-47 months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
18 - 23 Month Certificate Accounts & IRAs
1.736%
1.75%
18-23 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
24 - 35 Month Certificate Accounts & IRAs
1.736%
1.75%
24-35 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 1.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 24-35 month
1.736%
1.75%
24-35 months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
12 - 17 Month Certificate Accounts & IRAs
1.489%
1.50%
12-17 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
24 - 35 Month Certificate Accounts & IRAs
1.489%
1.50%
24-35 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
18 - 23 Month Certificate Accounts & IRAs
1.243%
1.25%
18-23 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 1.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
18 - 23 Month Certificate Accounts & IRAs
1.243%
1.25%
18-23 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 1.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 18-23 month
1.243%
1.25%
18-23 months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
12 - 17 Month Certificate Accounts & IRAs
0.995%
1.00%
12-17 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
12 - 17 Month Certificate Accounts & IRAs
0.995%
1.00%
12-17 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 12-17 month
0.995%
1.00%
12-17 months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
3 - 5 Month Certificate Accounts & IRAs
0.099%
0.10%
3-5 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
3 - 5 Month Certificate Accounts & IRAs
0.099%
0.10%
3-5 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
3 - 5 Month Certificate Accounts & IRAs
0.099%
0.10%
3-5 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
3 - 5 Month Certificate Accounts & IRAs
0.099%
0.10%
3-5 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
6 - 11 Month Certificate Accounts & IRAs
0.099%
0.10%
6-11 Months
Min Balance$500
DetailsBalance: $500 - $24,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
6 - 11 Month Certificate Accounts & IRAs
0.099%
0.10%
6-11 Months
Min Balance$50,000
DetailsBalance: $50,000.00 - $74,999.99
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
6 - 11 Month Certificate Accounts & IRAs
0.099%
0.10%
6-11 Months
Min Balance$75,000
DetailsBalance: $75,000 - $99,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
6 - 11 Month Certificate Accounts & IRAs
0.099%
0.10%
6-11 Months
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 3-5 month
0.099%
0.10%
3-5 months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Certificate Accounts & IRAs - 6-11 month
0.099%
0.10%
6-11 months
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Savings Rates
Product
Rate
APY
View More
Kids Club Savings Account
0.495%
0.50%
Min Balance$0
DetailsBalance: $0 - $2,500.00; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
U-Savers Club
0.495%
0.50%
Min Balance$0
DetailsBalance: $0.01 - $5,000.00; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
IRA Savings
0.145%
0.15%
Min Balance$100
DetailsRates accurate as of 8/7/2026 and subject to change without notice
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Holiday Club Savings Account
0.095%
0.10%
Min Balance$5
DetailsDividend Rate; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Kids Club Savings Account
0.095%
0.10%
Min Balance$2,500
DetailsBalance: $2,500.01 and over; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
U-Savers Club
0.095%
0.10%
Min Balance$5,000
DetailsBalance: $5,000.01 and over; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Vacation Club Savings Account
0.095%
0.10%
Min Balance$5
DetailsDividend Rate; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Consumer and Business Savings Account (Main Share)
0.05%
0.05%
Min Balance$250
DetailsBalance: $250 - $4,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Consumer and Business Savings Account (Main Share)
0.05%
0.05%
Min Balance$5,000
DetailsBalance: $5,000 - $9,999.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Consumer and Business Savings Account (Main Share)
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000 and over; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Consumer and Business Savings Account (Main Share)
0.00%
0.00%
Min Balance$0
DetailsBalance: $0.0 - $249.99; Rates accurate as of 8/7/2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Ultra Money Market Account
3.105%
3.15%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 and over; Minimum account funding of $50,000.00 with funds not on deposit with UTF required to earn promotional rate; Balances up to $1,000,000 eligible for promotional APY
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
Oct 5, 20263.15%▲ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Money Market Account
2.178%
2.20%
Min Balance$25,000
DetailsBalance: $25,000 and over; Posted APY as of 10/1/2026; Promotional APY
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 2.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Money Market Account
1.588%
1.60%
Min Balance$10,000
DetailsBalance: $10,000-$24,999; Posted APY as of 10/1/2026; Promotional APY
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.45% → 1.60% ▲ 0.15 pts · high 1.60% / low 1.45%
Oct 5, 20261.60%▲ from 1.45%
Sep 14, 20261.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Ultra Money Market Account
0.25%
0.25%
Min Deposit$50,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99; Minimum deposit of $50,000 to open account
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Money Market Account
0.25%
0.25%
Min Balance$1,000
DetailsBalance: $1,000-$9,999; Posted APY as of 10/1/2026; Promotional APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Estate Money Market Account
0.095%
0.10%
Min Balance$1,000
DetailsBalance: $1,000-$9,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Estate Money Market Account
0.095%
0.10%
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Estate Money Market Account
0.095%
0.10%
Min Balance$25,000
DetailsBalance: $25,000 and over; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market Accounts
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000-$4,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Money Market Accounts
0.05%
0.05%
Min Balance$5,000
DetailsBalance: $5,000-$24,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Money Market Accounts
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Money Market Accounts
0.05%
0.05%
Min Balance$75,000
DetailsBalance: $75,000 and over; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Interest Checking Accounts
0.00%
0.00%
Min Balance$0
DetailsBalance: $0 - $4,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Interest Checking Accounts
0.00%
0.00%
Min Balance$5,000
DetailsBalance: $5,000 - $9,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Interest Checking Accounts
0.00%
0.00%
Min Balance$10,000
DetailsBalance: $10,000 - $19,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Interest Checking Accounts
0.00%
0.00%
Min Balance$20,000
DetailsBalance: $20,000-$99,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Interest Checking Accounts
0.00%
0.00%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Business Interest Checking Accounts
0.00%
0.00%
Min Balance$250,000
DetailsBalance: $250,000 and over; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
First Mortgage - 15-Year Fixed Mortgage
6.75%
-
6.76%
15-Year
DetailsRates accurate as of Monday, September 28, 2026; 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 6.04% → 6.76% ▲ 0.72 pts · high 6.94% / low 6.04%
Oct 23, 20266.76%▼ from 6.94%
Oct 2, 20266.94%▲ from 6.04%
Sep 14, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
First Mortgage - 30-Year Fixed Mortage
7.625%
-
7.649%
30-Year
DetailsRates accurate as of Monday, September 28, 2026; 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing
Last Updated10/29/2026
Rate History
2 changes since Sep 21, 2026 · 7.02% → 7.65% ▲ 0.63 pts · high 7.65% / low 7.02%
Oct 23, 20267.65%▲ from 7.61%
Oct 2, 20267.61%▲ from 7.02%
Sep 21, 20267.02%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Fixed Rate Loan - 10 Year Term
-
-
6.00%
120 Months
DetailsAs Low As; Maximum Combined Loan-To-Value for Best Rate: Up to 80%*** for Single Family; Amount Borrowed: Up to $350,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Powerline HELOC (Variable Home Equity Line of Credit)
-
-
6.75%
180 Months
DetailsAs Low As; Rate: 6.75% (Prime Rate - 0.25%) APR, variable; Maximum Combined Loan-To-Value for Best Rate: Up to 80% for Single Family; Amount Borrowed: Up to $350,000; Max Line amount $250,000 per footnote; not to exceed 16% APR
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Sep 18, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicle Auto Loan
-
-
4.38%
Up to 24 Months
DetailsAs Low As; Auto Loans (New Vehicles only); Rate includes .50% electronic payment discount and .25% new auto discount; subject to credit worthiness and underwriter approval
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
New Vehicle Auto Loan
-
-
4.50%
25 to 36 Months
DetailsAs Low As; Auto Loans (New Vehicles only); Rate includes .50% electronic payment discount and .25% new auto discount; subject to credit worthiness and underwriter approval
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
New Vehicle Auto Loan
-
-
4.75%
37 to 48 Months
DetailsAs Low As; Auto Loans (New Vehicles only); Rate includes .50% electronic payment discount and .25% new auto discount; subject to credit worthiness and underwriter approval
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
New Vehicle Auto Loan
-
-
5.00%
49 to 66 Months
DetailsAs Low As; Auto Loans (New Vehicles only); Rate includes .50% electronic payment discount and .25% new auto discount; subject to credit worthiness and underwriter approval
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
New Vehicle Auto Loan
-
-
5.13%
67 to 72 Months
DetailsAs Low As; Auto Loans (New Vehicles only); Rate includes .50% electronic payment discount and .25% new auto discount; subject to credit worthiness and underwriter approval
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.13% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
New Vehicle Auto Loan
-
-
5.63%
73 to 84 Months
DetailsAs Low As; Auto Loans (New Vehicles only); Rate includes .50% electronic payment discount and .25% new auto discount; subject to credit worthiness and underwriter approval
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
8.75%
Up to 48 months
DetailsAPR includes 0.25% discount for direct deposit and electronic payment from a United Teletech checking account; maximum term 60 months
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 8.75% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Personal Loan
8.75%
49 to 60 months
DetailsAPR includes 0.25% discount for direct deposit and electronic payment from a United Teletech checking account; maximum term 60 months
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 8.75% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Debt Consolidation Loan
9.00%
DetailsAs Low As; Advertised rate based on creditworthiness and includes up to a .50% discount for automatic payment from a United Teletech Checking Account
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Teletech Financial Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Conduit IRA
0.145%
-
0.15%
Min Balance$100
DetailsRates accurate as of 8/7/2026 and subject to change without notice
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Coverdell Educational Savings Account
0.145%
-
0.15%
Min Balance$100
DetailsRates accurate as of 8/7/2026 and subject to change without notice
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
United Grow
-
-
2.00%
Min Deposit$25
Min Balance$1,500
DetailsQualifications Required; Balance: $1,500.01 - $5,000.00; Dividend Rate: 2% APY; Fee waived with $1,000 in direct deposits each month or average balance of $1,500 or more
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.09%
Financial Health History
United Teletech Financial Federal Credit Union’s Texas Ratio fell from 10.71% in Q3 2023 to 7.09% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
June 30, 2026
$328M
7.09%
5.0
A
March 31, 2026
$330M
4.92%
5.0
A+
December 31, 2025
$332M
7.96%
5.0
A
September 30, 2025
$336M
6.57%
5.0
A
June 30, 2025
$334M
9.27%
5.0
A
March 31, 2025
$339M
7.05%
5.0
A
December 31, 2024
$336M
8.72%
5.0
A
September 30, 2024
$332M
6.20%
5.0
A
June 30, 2024
$337M
10.24%
5.0
A
March 31, 2024
$343M
9.01%
5.0
A
December 31, 2023
$339M
8.93%
5.0
A
September 30, 2023
$325M
10.71%
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 United Teletech Financial Federal Credit Union 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 United Teletech Financial Federal Credit Union 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 United Teletech Financial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameUnited Teletech Financial Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,082,935
Total Uninsured Shares and Deposits > $250K (F+J)
29,082,935
Total Insured Shares and Deposits > $250K (item 17 less item K)
255,060,285
Total Interest Expense (Sum of items 6 8)
1,949,746
Share Certificates
571
Number of Accounts for Share Drafts
12,249
IRA KEOGH Accounts
520
Number of Accounts for Regular Shares
20,475
Non Member Deposits
16
Money Market Shares
1,083
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)
1,863,898
Total Liabilities
303,682,096
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
United Teletech Financial Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for United Teletech Financial Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for United Teletech Financial Federal Credit Union
Frequently Asked Questions About United Teletech Financial Federal Credit Union
Does United Teletech Financial Federal Credit Union offer CDs?
Yes. United Teletech Financial Federal Credit Union current CD rates include its 60 Month CD Accounts & IRAs at 3.50% APY, its 48 - 59 Month CD Accounts & IRAs at 3.25% APY and its CD Accounts & IRAs - 60 month at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from United Teletech Financial Federal Credit Union NCUA insured?
Yes. United Teletech Financial Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at United Teletech Financial Federal Credit Union?
The highest United Teletech Financial Federal Credit Union CD rate is its CD Special for 15 month at 4.35% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does United Teletech Financial Federal Credit Union offer?
United Teletech Financial Federal Credit Union CD rates are 0.10% APY for a 12 month CD, 1.00% APY for an 18 month CD, 1.25% APY for a 2 year CD, 2.50% APY for a 35 month CD, 3.00% APY for a 47 month CD, 3.25% APY for a 59 month CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with United Teletech Financial Federal Credit Union for its full lineup.
What is the highest savings rate at United Teletech Financial Federal Credit Union?
The highest United Teletech Financial Federal Credit Union savings rate is its Kids Club Savings Account at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at United Teletech Financial Federal Credit Union?
The highest United Teletech Financial Federal Credit Union money market rate is its Ultra Money Market Account at 3.15% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at United Teletech Financial Federal Credit Union?
The lowest United Teletech Financial Federal Credit Union 30 year fixed mortgage rate is its First Mortgage - 30-Year Fixed Mortage at 7.625%, verified by MonitorBankRates as of October 29, 2026. United Teletech Financial Federal Credit Union mortgage rates are 7.625% for a 30 year mortgage and 6.75% for a 15 year mortgage.
What is the lowest auto loan rate at United Teletech Financial Federal Credit Union?
The lowest United Teletech Financial Federal Credit Union auto loan rate is its New Vehicle Auto Loan at 4.38% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at United Teletech Financial Federal Credit Union?
The lowest United Teletech Financial Federal Credit Union personal loan rate is its Personal Loan at 8.75% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does United Teletech Financial Federal Credit Union operate?
United Teletech Financial Federal Credit Union 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 United Teletech Financial Federal Credit Union?
Yes, to access services at United Teletech Financial Federal Credit Union, 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, United Teletech Financial Federal Credit Union 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, United Teletech Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does United Teletech Financial Federal Credit Union offer online and mobile banking?
Most modern institutions like United Teletech Financial Federal Credit Union 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: https://www.utfinancial.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do United Teletech Financial Federal Credit Union rates compare?
United Teletech Financial Federal Credit Union's CD rates are 33% lower than the MonitorBankRates national average, and it has an A health rating. United Teletech Financial Federal Credit Union's top rates are its CD Special for 15 month at 4.35% APY, its Kids Club Savings Account at 0.50% APY, its Ultra Money Market Account at 3.15% APY, its First Mortgage - 15-Year Fixed Mortgage at 6.75% and its Personal Loan at 8.75% APR, verified by MonitorBankRates on October 29, 2026.
Current United Teletech Financial Federal Credit Union Rates
12-Month CD0.10%
18-Month CD1.00%
24-Month CD1.25%
60-Month CD2.25%
Savings0.50%
MMA3.15%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
