What are the current interest rates at Utilities Employees Credit Union?

Current rates for Utilities Employees Credit Union include: 12-Month CD: 4.00%, Savings: 2.00%

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Utilities Employees Credit Union

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Utilities Employees Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Utilities Employees 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: June 16, 2026

Utilities Employees Credit Union's 13-month CD of Deposit rates are at 4.00%, 9-month CD rates are at 4.00%. Utilities Employees Credit Union's savings rates are at 2.00%. Utilities Employees Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Utilities Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Rates were last updated on 06/16/2026.

Utilities Employees 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 Utilities Employees Credit Union? Share your experience about Utilities Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Utilities Employees Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.55%

Excellent Lower than avg

Utilities Employees Credit Union
Utilities Employees Credit Union

11 Meridian Blvd
Wyomissing, PA 19610

https://www.uecu.org

Utilities Employees Credit Union CD Rates

Product	Rate	APY	Term
13-month Certificate of Deposit	-	4.00%	13-month
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 6/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 13-month certificate renews at 12-months after maturity. See Credit Union for additional terms and conditions. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
9-month certificate	-	4.00%	9-month
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 6/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. 9-month certificate renews at 6-months after maturity. See Credit Union for additional terms and conditions. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Utilities Employees Credit Union Savings Rates

Product	Rate	APY	View More
Money Market Savings	-	2.00%
Min Balance $2,500 Details Rates as high as Dividend rate and APY are stated as of 6/1/2026 and may change after the account is opened. Rates are subject to change at the Credit Union's discretion, without notice. A $10.00 service fee will be assessed if your account balance falls below $2,500 on one or more days in a statement cycle. Fees could reduce earnings on the account(s). The dividend rate used, for the entire balance of your account, is the dividend rate of the highest tier that corresponds to the balance. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Utilities Employees Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings	-	2.00%
Min Balance $2,500 Details Rates as high as Dividend rate and APY are stated as of 6/1/2026 and may change after the account is opened. Rates are subject to change at the Credit Union's discretion, without notice. A $10.00 service fee will be assessed if your account balance falls below $2,500 on one or more days in a statement cycle. Fees could reduce earnings on the account(s). The dividend rate used, for the entire balance of your account, is the dividend rate of the highest tier that corresponds to the balance. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Utilities Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Term Loans	-	-	5.74%	Up to 60 months
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loan	-	-	5.74%	60-month
Details Rate based on 90% loan to value (LTV) & 60-month term. Rate shown is our lowest rate which is based on an evaluation of credit and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rate will differ based on term, credit review and collateral evaluation. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Term Loan	-	-	5.74%
Details As Low As; Rate based on 90% loan to value (LTV) & 60-month term. Rate shown is our lowest rate which is based on an evaluation of credit and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rate will differ based on term, credit review and collateral evaluation. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Fixed Rate Term Loans	-	-	6.24%	61 to 120 months
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Fixed Rate Term Loans	-	-	6.49%	121 to 180 months
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Fixed Rate Term Loans	-	-	6.74%	181 to 240 months
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Utilities Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.24%	up to 36 Months
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Auto Loans	-	-	4.99%	37 to 60 Months
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Auto Loans	-	-	5.49%	61 to 72 Months
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Utilities Employees Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa® Credit Card	-	1.99%
Details Intro rate expires: 12 months; Regular APR: Variable 8.75% - 18.00% APR. Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power CardTM during the first 12 months after its issue. At the time of your card application, your regular variable interest rate is based on an evaluation of credit-worthiness criteria and is identified in your credit card agreement and disclosures. Not all applicants will qualify for approval. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at your regular variable rate, which is the Wall Street Journal Prime Rate ("index") plus or minus the "margin" as disclosed in your credit card agreement and disclosure. APR will not exceed 18%. The intro rate offer of 1.99% APR is for first time cardholders only. Offer may be withdrawn at any time without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Utilities Employees Credit Union Personal Loan Rates

Product	Rate	APR
Personal / Signature Loan	-	9.99%
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Personal / Signature Loan	-	10.99%
Details As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

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

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Utilities Employees 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 Utilities Employees 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 Utilities Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Utilities Employees Credit Union

Website https://www.uecu.org

Address 11 Meridian Blvd, Wyomissing, PA 19610

Phone 610-927-4000

Fax 610-927-4089

President Thomas OBrien

CEO Bret Krevolin

Full-Time Employees 124

Part-Time Employees 3

Branch Locations 2

ATM Locations 0

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

3.55%

Return on Assets (ROA)

0.2492%

Return on Equity (ROE)

1.5996%

Non-Performing Loans Ratio (NPL)

1.12%

Total Assets

1,492,551,302

Total Amount of Shares and Deposits

1,247,105,290

Total Shares and Deposits < 1 Year

1,180,564,153

Total Shares and Deposits 1 3 Years

51,927,445

Total Shares and Deposits > 3 Years

14,613,692

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

68,385,094

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

68,385,094

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

1,178,720,196

Total Interest Expense (Sum of items 6 8)

22,954,274

Share Certificates

9,902

Number of Accounts for Share Drafts

19,657

IRA KEOGH Accounts

3,226

Number of Accounts for Regular Shares

61,670

All other shares

374

Money Market Shares

6,833

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

47,480,656

Total Liabilities

1,312,544,212

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Utilities Employees Credit Union

How many branches does Utilities Employees Credit Union operate?

Utilities Employees 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 Utilities Employees Credit Union?

Yes, to access services at Utilities Employees 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, Utilities Employees 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, Utilities Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Utilities Employees Credit Union offer online and mobile banking?

Most modern institutions like Utilities Employees 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.uecu.org.