What are the current interest rates at United Teletech Financial Federal Credit Union?

Current rates for United Teletech Financial Federal Credit Union include: 12-Month CD: 0.10%, 18-Month CD: 1.00%, 24-Month CD: 1.25%, 60-Month CD: 2.25%, Savings: 0.05%, MMA: 0.05%

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United Teletech Financial Federal Credit Union

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United Teletech Financial Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

United Teletech Financial Federal Credit Union's 3.75% APY CD Special for 8 month New Money Promotion rates are at 3.75%, 60 Month CD Accounts & IRAs with a Balance of and over rates are at 3.50%, 48 - 59 Month CD Accounts & IRAs with a Balance of and over rates are at 3.25%, 60 Month CD Accounts & IRAs with a Balance of rates are at 3.25%, 36 - 47 Month CD Accounts & IRAs with a Balance of and over rates are at 3.00%. United Teletech Financial Federal Credit Union's savings rates are at 0.05%. United Teletech Financial Federal Credit Union's money market rates are at 0.05%. United Teletech Financial Federal Credit Union's First Mortgage - 15-Year Fixed Mortgage rates are at 5.99%, First Mortgage - 30-Year Fixed Mortage rates are at 6.99%. United Teletech Financial Federal Credit Union's Personal Loan Rates are as low as 8.75%. United Teletech Financial Federal Credit Union's Credit Card Rates are at 10.40%. 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 4.92%. Rates last updated and verified on 09/21/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.92%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

United Teletech Financial Federal Credit Union
HANCE AVE

205 Hance Ave
TINTON FALLS, NJ 07724

https://www.utfinancial.org

United Teletech Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
3.75% APY Certificate Special for 8 month New Money Promotion	3.69%	3.75%	8 Months
Min Deposit $10,000 Details $10,000; Rate effective as of 08/07/2026. New money may include funds deposited into a new or existing member's share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a certificate with a 8-month term is 6 months. Penalty imposed for early withdrawal. For a 8-month certificate, penalty is 90 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
60 Month Certificate Accounts & IRAs with a Balance of and over	3.45%	3.50%	60 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of and over	3.20%	3.25%	48-59 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
60 Month Certificate Accounts & IRAs with a Balance of	3.20%	3.25%	60 Months
Details $25,000 - $49,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
36 - 47 Month Certificate Accounts & IRAs with a Balance of and over	2.96%	3.00%	36-47 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of	2.96%	3.00%	48-59 Months
Details $75,000 - $99,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
60 Month Certificate Accounts & IRAs with a Balance of	2.96%	3.00%	60 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of and over	2.47%	2.50%	24-35 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
36 - 47 Month Certificate Accounts & IRAs with a Balance of	2.47%	2.50%	36-47 Months
Details $75,000 - $99,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of	2.47%	2.50%	48-59 Months
Details $25,000 - $49,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of	2.47%	2.50%	48 - 59 Months
Details $50,000 - $74,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
18 - 23 Month Certificate Accounts & IRAs with a Balance of and over	2.23%	2.25%	18-23 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of	2.23%	2.25%	48-59 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
12 - 17 Month Certificate Accounts & IRAs with a Balance of and over	1.98%	2.00%	12-17 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of	1.98%	2.00%	24-35 Months
Details $75,000 - $99,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
36 - 47 Month Certificate Accounts & IRAs with a Balance of	1.98%	2.00%	36-47 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
18 - 23 Month Certificate Accounts & IRAs with a Balance of	1.74%	1.75%	18-23 Months
Details $75,000 - $99,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of	1.74%	1.75%	24-35 Months
Details $25,000 - $49,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
12 - 17 Month Certificate Accounts & IRAs with a Balance of	1.49%	1.50%	12-17 Months
Details $75,000 - $99,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of	1.49%	1.50%	24-35 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
18 - 23 Month Certificate Accounts & IRAs with a Balance of	1.24%	1.25%	18-23 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
12 - 17 Month Certificate Accounts & IRAs with a Balance of	1.00%	1.00%	12-17 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
3 - 5 Month Certificate Accounts & IRAs with a Balance of	0.10%	0.10%	3-5 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
3 - 5 Month Certificate Accounts & IRAs with a Balance of and over	0.10%	0.10%	3-5 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
6 - 11 Month Certificate Accounts & IRAs with a Balance of	0.10%	0.10%	6-11 Months
Details $500 -$24,999.99; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
6 - 11 Month Certificate Accounts & IRAs with a Balance of and over	0.10%	0.10%	6-11 Months
Details $100,000; Rate effective as of 08/07/2026. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings Accounts - Conduit IRA	0.15%	0.15%
Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
IRA Savings Accounts - IRA Savings	0.15%	0.15%
Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
IRA Savings Accounts - Roth IRA	0.15%	0.15%
Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Business U-Savers Club	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.01 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Holiday Club Savings Account	0.10%	0.10%
Min Balance $5 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Kids Club Savings Account	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.01 and over; Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Vacation Club Savings Account	0.10%	0.10%
Min Balance $5 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Consumer and Business Savings Account (Main Share)	0.05%	0.05%
Min Balance $250 Details Balance: $250-$4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Consumer and Business Savings Account (Main Share)	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000-$9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Consumer and Business Savings Account (Main Share)	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Money Market Rates

Product	Rate	APY
Ultra Money Market Account	2.96%	3.00%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; Minimum account funding of $50,000.00 with funds not currently on deposit with UTF is required to earn promotional rate. Balances up to $1,000,000 are eligible for the promotional APY, however, NCUA coverage will only apply to balances of $250,000 or less. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
United Money Market Account	1.44%	1.45%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Ultra Money Market Account	0.25%	0.25%
Min Deposit $50,000 Min Balance $1,000 Details Balance: $1,000 - $49,999.99; Minimum account funding of $50,000.00 with funds not currently on deposit with UTF is required to earn promotional rate. Balances up to $1,000,000 are eligible for the promotional APY, however, NCUA coverage will only apply to balances of $250,000 or less. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
United Money Market Account	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Estate Money Market Accounts	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Estate Money Market Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Estate Money Market Accounts	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Business Money Market Accounts	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Business Money Market Accounts	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Business Money Market Accounts	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000-$74,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Business Money Market Accounts	0.05%	0.05%
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage - 15-Year Fixed Mortgage	5.99%	-	6.04%	15 years
Details Term: 15-Year Fixed Mortgage; Cost per $10,000 Borrowed: $84.34; Rates accurate as of Tuesday, July 28, 2026. Your payment per $10,000 borrowed for a 30-year fixed mortgage with a rate of 6.99% (7.024% APR) is $66.47. Your payment per $10,000 borrowed for a 15-year fixed mortgage with a rate of 5.99% (APR 6.04) is $83.34. Rates are based on the following assumptions: Maximum loan amount of $832,750, down payment of 20%, 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing, NJ property. Rates are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your loan amount, loan type, FICO score, purpose, and loan to value. Hazard insurance is required and flood Insurance may be required if the property is located in a flood zone. The payment listed above does not include amounts for taxes, homeowner's insurance and flood Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
First Mortgage - 30-Year Fixed Mortage	6.99%	-	7.02%	30 years
Details Term: 30-Year Fixed Mortage; Cost per $10,000 Borrowed: $66.47; Rates accurate as of Tuesday, July 28, 2026. Your payment per $10,000 borrowed for a 30-year fixed mortgage with a rate of 6.99% (7.024% APR) is $66.47. Your payment per $10,000 borrowed for a 15-year fixed mortgage with a rate of 5.99% (APR 6.04) is $83.34. Rates are based on the following assumptions: Maximum loan amount of $832,750, down payment of 20%, 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing, NJ property. Rates are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your loan amount, loan type, FICO score, purpose, and loan to value. Hazard insurance is required and flood Insurance may be required if the property is located in a flood zone. The payment listed above does not include amounts for taxes, homeowner's insurance and flood i Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan - 10 Year Term	-	-	6.00%	120 Months
Details Rates advertised are as low as and depend on creditworthiness. Max Line amount is $350,000. Stated rate includes discount for direct deposit into a United Teletech checking account and electronic payment. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid for refinancing of existing UTF Home Equity Lines less than eight (8) years old. Property insurance is required. For additional information call 866-462-5532. NMLS# 402779. As Low As; Stated rate includes discount for direct deposit into a United Teletech checking account and electronic payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Powerline HELOC (Variable Home Equity Line of Credit)	-	-	6.75%	180 Months
Details Rate of 6.75% APR is variable based on the Wall Street Journal Prime Rate minus 0.25% depending on creditworthiness and is not to exceed 16% APR. Prime rate as of 9/17/26 is 7.00% APR. Prime rate may change at any time without notice. HELOC may not exceed 90% Combined Loan-To-Value (CLTV). Rates advertised are for up to 80% CLTV. Max Line amount is $250,000. Stated rate includes a discount for electronic payment. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid for refinancing of existing UTF Home Equity Lines less than eight (8) years old. Property insurance is required. For additional information call 866-462-5532. NMLS# 402779. Federally insured by NCUA. As Low As; Stated rate includes a discount for electronic payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (New Vehicles only)	-	-	3.99%	Up to 24 Months
Details Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .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. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)	-	-	4.13%	25 to 36 Months
Details Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .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. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)	-	-	4.38%	37 to 48 Months
Details Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .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. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)	-	-	4.63%	49 to 66 Months
Details Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .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. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)	-	-	4.88%	67 to 72 Months
Details Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .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. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)	-	-	5.38%	73 to 84 Months
Details Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .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. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	10.40%
Details Published APR range: 10.40% to 16.90%. Intro APR on Purchases and Balance Transfer in the First 6 Months; variable Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Platinum Rewards Credit Card	-	12.40%
Details Published APR range: 12.40% to 18.00%. 0% Intro APR on any purchase in the first six months; 0% Intro APR on balance transfers in the first 6 months; variable Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.75%	Up to 48 months
Details Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Personal Loan	8.75%	49 to 60 months
Details Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Debt Consolidation Loan	9.00%
Details As low as; From debt consolidation to lower-rate options, we'll help you find a path that feels more manageable. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

United Teletech Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Savings Accounts - Coverdell Educational Savings Account	0.15%	-	0.15%
Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
U-Win	0.25%	-	0.25%
Min Balance $0 Details Balance: $0.01 - $1,500.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
U-Win	-	-	0.75%
Min Balance $1,500 Details New Jersey resident at the time of account opening, and continue to be a New Jersey resident during the savings period. At least one account holder must be 18 years of age or older, or an individual minor may hold a U-WIN account with a parent or guardian's permission to participate. The account holder and/or parent or legal guardian of a minor account holder must review and agree to the terms and conditions of this Agreement. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
United Grow	-	-	2.00%
Min Deposit $25 Min Balance $1,500 Details Earn interest on balances between $1,500.01 and $5,000.00; $10 monthly fee waived if you deposit $1,000 in direct deposits each month or maintain an average balance of $1,500 or more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

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.
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Financial Health History

United Teletech Financial Federal Credit Union’s Texas Ratio fell from 10.96% in Q2 2023 to 4.92% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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
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
June 30, 2023	$326M	10.96%	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 Name United Teletech Financial Federal Credit Union

Website https://www.utfinancial.org

Address 205 Hance Ave, TINTON FALLS, NJ 07724

Phone 732-530-8100

Fax 732-530-2027

President MICHAEL HOU

CEO LEO ARDINE

Full-Time Employees 64

Part-Time Employees 1

Branch Locations 6

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.92%

Return on Assets (ROA)

0.0482%

Return on Equity (ROE)

0.5438%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

329,818,970

Total Amount of Shares and Deposits

292,335,684

Total Shares and Deposits < 1 Year

280,030,332

Total Shares and Deposits 1 3 Years

12,165,581

Total Shares and Deposits > 3 Years

139,771

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

29,336,452

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

29,336,452

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

262,999,232

Total Interest Expense (Sum of items 6 8)

1,002,845

Share Certificates

628

Number of Accounts for Share Drafts

12,123

IRA KEOGH Accounts

538

Number of Accounts for Regular Shares

20,509

Non Member Deposits

Money Market Shares

1,089

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)

1,976,198

Total Liabilities

306,202,446

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

United Teletech Financial Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About United Teletech Financial Federal Credit Union

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.

Current United Teletech Financial Federal Credit Union Rates

12-Month CD0.10%
18-Month CD1.00%
24-Month CD1.25%
60-Month CD2.25%
Savings0.05%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

United Teletech Financial Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United Teletech Financial Federal Credit Union Texas Ratio

United Teletech Financial Federal Credit Union Health Trend

United Teletech Financial Federal Credit Union CD Rates

United Teletech Financial Federal Credit Union Savings Rates

United Teletech Financial Federal Credit Union Money Market Rates

United Teletech Financial Federal Credit Union Mortgage Rates

United Teletech Financial Federal Credit Union Home Equity & HELOC

United Teletech Financial Federal Credit Union Auto Loan Rates

United Teletech Financial Federal Credit Union Credit Card Rates

United Teletech Financial Federal Credit Union Personal Loan Rates

United Teletech Financial Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

United Teletech Financial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About United Teletech Financial Federal Credit Union

How many branches does United Teletech Financial Federal Credit Union operate?

Is a member application needed to join United Teletech Financial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United Teletech Financial Federal Credit Union offer online and mobile banking?

Current United Teletech Financial Federal Credit Union Rates

Compare to Other Credit Unions