Utica District Telephone Employees Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Utica District Telephone Employees Federal Credit Union Rates & Review September 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: September 21, 2026
Utica District Telephone Employees Federal Credit Union's 12 Month CD rates are at 4.06%, 30 Month CD rates are at 4.06%, 6 Month CD rates are at 3.56%. Utica District Telephone Employees Federal Credit Union's Personal Loan Rates are as low as 8.00%. MonitorBankRates evaluates the financial stability of Utica District Telephone Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.82%. Rates last updated and verified on 09/21/2026.
Utica District Telephone Employees 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 Utica District Telephone Employees Federal Credit Union? Share your experience about Utica District Telephone Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Utica District Telephone Employees Federal Credit Union.
Utica District Telephone Employees Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
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
Utica District Telephone Employees 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
?
0.82%
ExcellentLower than avg
Utica District Telephone Employees Federal Credit Union Texas Ratio
Utica District Telephone Employees Federal Credit Union's Texas Ratio is 0.82%, which is considered excellent and is lower than the national average of 6.13%.
Utica District Telephone Employees 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.
Utica District Telephone Employees Federal Credit Union Health Trend
2.95% to 0.82% 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 and is now very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Utica District Telephone Employees Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Certificate
4.00%
4.06%
12 Months
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded/Credited: Quarterly/Quarterly
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
30 Month Certificate
4.00%
4.06%
30 Months
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded/Credited: Quarterly/Quarterly
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
6 Month Certificate
3.50%
3.56%
6 Months
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded/Credited: Monthly/Monthly
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Utica District Telephone Employees Federal Credit Union Savings Rates
Product
Rate
APY
View More
Club Acct.
0.50%
0.50%
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Utica District Telephone Employees Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicle - Auto, Motorcycle, Boat - P
-
-
4.75%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - P
-
-
4.75%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - P
-
-
4.75%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle Loans
4.75%
-
4.75%
DetailsAs Low As;*
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - A
-
-
5.00%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - A
-
-
5.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - A
-
-
5.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - P
-
-
5.00%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
-
-
5.00%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
-
-
5.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
-
-
5.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - A
-
-
5.25%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - P
-
-
5.25%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
-
-
5.25%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
-
-
5.25%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
-
-
5.25%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
-
-
5.25%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - A
-
-
5.50%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - P
-
-
5.50%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
-
-
5.50%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
-
-
5.50%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - A
-
-
5.75%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
-
-
5.75%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - B
-
-
6.00%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - B
-
-
6.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - B
-
-
6.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - B
-
-
6.25%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
-
-
6.25%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
-
-
6.25%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
-
-
6.25%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - B
-
-
6.50%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
-
-
6.50%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - B
-
-
6.75%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
-
-
6.75%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - C
-
-
8.00%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - C
-
-
8.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - C
-
-
8.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - C
-
-
8.25%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - C
-
-
8.50%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
-
-
8.50%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
-
-
8.50%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
-
-
8.50%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - C
-
-
8.75%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
-
-
8.75%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
-
-
9.00%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - D
-
-
10.00%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - D
-
-
10.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - D
-
-
10.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - D
-
-
10.50%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
-
-
10.50%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
-
-
10.50%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
-
-
10.50%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - D
-
-
11.00%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
-
-
11.00%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - D
-
-
11.50%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
-
-
11.50%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - E
-
-
12.50%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - E
-
-
12.50%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - E
-
-
12.50%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - E
-
-
13.00%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
-
-
13.00%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
-
-
13.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
-
-
13.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - E
-
-
13.50%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
-
-
13.50%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
New Vehicle - Auto, Motorcycle, Boat - E
-
-
14.00%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
-
-
14.00%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Utica District Telephone Employees Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade P Loan
-
4.50%
12-36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade A Loan
-
4.75%
12-36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - P Loan
-
5.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - A Loan
-
5.25%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - P Loan
-
5.25%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade P Loan
-
5.50%
37-60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - A Loan
-
5.50%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - P Loan
-
5.50%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade A Loan
-
5.75%
37-60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - A Loan
-
5.75%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - P Loan
-
5.75%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade B Loan
-
6.00%
12-36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - A Loan
-
6.00%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - P Loan
-
6.00%
96 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - A Loan
-
6.25%
96 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - B Loan
-
6.50%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - P Loan
-
6.50%
120 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - A Loan
-
6.75%
120 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - B Loan
-
6.75%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade B Loan
-
7.00%
37-60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - B Loan
-
7.00%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - P Loan
-
7.00%
144 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - A Loan
-
7.25%
144 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - B Loan
-
7.25%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade C Loan
-
7.50%
12-36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - B Loan
-
7.50%
96 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - C Loan
-
7.50%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - B Loan
-
8.00%
120 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - C Loan
-
8.00%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - C Loan
-
8.25%
72 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade C Loan
-
8.50%
37-60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - B Loan
-
8.50%
144 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - C Loan
-
8.50%
84 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - C Loan
-
8.75%
96 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - C Loan
-
9.25%
120 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
RV's, Motorhomes, Campers & Trailers (Subtract .50% for Mobile Homes) - C Loan
-
9.75%
144 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade D Loan
-
10.00%
12-36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade D Loan
-
11.00%
37-60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade E Loan
-
12.50%
12-36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Other RV, Snowmobile, Jetski, Dirtbike, ATV, Equipment, Etc. - Grade E Loan
-
13.00%
37-60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Utica District Telephone Employees Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured (Includes Home Improvement) - Grade P Loan
8.00%
12 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade P Loan
8.25%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade A Loan
8.50%
12 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade P Loan
8.50%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade A Loan
8.75%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade P Loan
8.75%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade A Loan
9.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade P Loan
9.00%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade A Loan
9.25%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade A Loan
9.50%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade B Loan
9.50%
12 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade B Loan
9.75%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade B Loan
10.00%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade B Loan
10.25%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade B Loan
10.50%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade C Loan
11.25%
12 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade C Loan
11.50%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade C Loan
11.75%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade C Loan
12.00%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade C Loan
12.25%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade D Loan
13.00%
12 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade D Loan
13.25%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade D Loan
13.50%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade D Loan
13.75%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade D Loan
14.00%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade E Loan
14.00%
12 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade E Loan
14.25%
24 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade E Loan
14.50%
36 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade E Loan
14.75%
48 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Unsecured (Includes Home Improvement) - Grade E Loan
15.00%
60 months
No additional details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Utica District Telephone Employees Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Used Vehicle - Auto, Motorcycle, Boat - A
5.25%
-
5.25%
24 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
5.25%
-
5.25%
36 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
5.25%
-
5.25%
48 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
5.50%
-
5.50%
60 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - A
5.75%
-
5.75%
72 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
6.25%
-
6.25%
24 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
6.25%
-
6.25%
36 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
6.25%
-
6.25%
48 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
6.50%
-
6.50%
60 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - B
6.75%
-
6.75%
72 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
8.50%
-
8.50%
24 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
8.50%
-
8.50%
36 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
8.50%
-
8.50%
48 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
8.75%
-
8.75%
60 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - C
9.00%
-
9.00%
72 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
10.50%
-
10.50%
24 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
10.50%
-
10.50%
36 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
10.50%
-
10.50%
48 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
11.00%
-
11.00%
60 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - D
11.50%
-
11.50%
72 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
13.00%
-
13.00%
24 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
13.00%
-
13.00%
36 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
13.00%
-
13.00%
48 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
13.50%
-
13.50%
60 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - E
14.00%
-
14.00%
72 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
5.00%
-
5.00%
24 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
5.00%
-
5.00%
36 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
5.00%
-
5.00%
48 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
5.25%
-
5.25%
60 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Used Vehicle - Auto, Motorcycle, Boat - P
5.50%
-
5.50%
72 months
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Daily Market
1.25%
-
1.26%
Min Deposit$2,000
Min Balance$2,000
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
IRA Acct.
2.50%
-
2.52%
Min Deposit$100
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Regular Shares
0.40%
-
0.40%
Min Deposit$5
Min Balance$50
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.82%
Financial Health History
Utica District Telephone Employees Federal Credit Union’s Texas Ratio fell from 2.95% in Q2 2023 to 0.82% 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. 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
$40M
0.82%
5.0
A+
December 31, 2025
$40M
2.70%
5.0
A+
September 30, 2025
$39M
1.60%
5.0
A+
June 30, 2025
$39M
2.68%
5.0
A+
March 31, 2025
$38M
2.56%
5.0
A+
December 31, 2024
$38M
3.31%
5.0
A+
September 30, 2024
$38M
3.97%
5.0
A+
June 30, 2024
$39M
3.18%
5.0
A+
March 31, 2024
$38M
2.42%
5.0
A+
December 31, 2023
$38M
2.88%
5.0
A+
September 30, 2023
$39M
4.00%
5.0
A+
June 30, 2023
$41M
2.95%
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 Utica District Telephone Employees 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 Utica District Telephone Employees 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 Utica District Telephone Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameUtica District Telephone Employees Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
85,204
Total Uninsured Shares and Deposits > $250K (F+J)
85,204
Total Insured Shares and Deposits > $250K (item 17 less item K)
27,833,906
Total Interest Expense (Sum of items 6 8)
103,548
Share Certificates
350
Number of Accounts for Share Drafts
982
IRA KEOGH Accounts
46
Number of Accounts for Regular Shares
2,009
All other shares
109
Money Market Shares
111
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)
2,454,714
Total Liabilities
27,469,980
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Utica District Telephone Employees 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 — no need to download or upload anything.
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Customer Reviews
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Frequently Asked Questions About Utica District Telephone Employees Federal Credit Union
How many branches does Utica District Telephone Employees Federal Credit Union operate?
Utica District Telephone Employees 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 Utica District Telephone Employees Federal Credit Union?
Yes, to access services at Utica District Telephone Employees 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, Utica District Telephone Employees 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, Utica District Telephone Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Utica District Telephone Employees Federal Credit Union offer online and mobile banking?
Most modern institutions like Utica District Telephone Employees 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.utelfcu.net.
Current Utica District Telephone Employees Federal Credit Union Rates
12-Month CD4.06%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
