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

Current rates for Utilities Employees Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.55%, 60-Month CD: 3.65%, Savings: 0.45%

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Utilities Employees Credit Union

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Utilities Employees Credit Union Rates & Review September 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 and Verified: September 22, 2026

Utilities Employees Credit Union's 13 Month IRA CD Special rates are at 4.00%, 13 Month IRA CD Special rates are at 4.00%, 13 Month IRA CD Special rates are at 4.00%, 20 Month IRA CD Special rates are at 4.00%, 20 Month IRA CD Special rates are at 4.00%. Utilities Employees Credit Union's savings rates are at 0.45%. Utilities Employees Credit Union's Personal Loan Rates are as low as 9.20%. Utilities Employees Credit Union's Credit Card Rates are at 8.75%. 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 3.38%. Rates last updated and verified on 09/22/2026.

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.

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

3.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

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 IRA Certificate Special	3.93%	4.00%	13 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
13 Month IRA Certificate Special	3.93%	4.00%	13 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
13 Month IRA Certificate Special	3.93%	4.00%	13 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
20 Month IRA Certificate Special	3.93%	4.00%	20 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
20 Month IRA Certificate Special	3.93%	4.00%	20 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
20 Month IRA Certificate Special	3.93%	4.00%	20 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month IRA Certificate	3.78%	3.85%	48 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month IRA Certificate	3.78%	3.85%	60 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Month IRA Certificate	3.74%	3.80%	30 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA Certificate	3.74%	3.80%	36 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month IRA Certificate	3.74%	3.80%	6 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA Certificate	3.69%	3.75%	24 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month IRA Certificate	3.69%	3.75%	48 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month IRA Certificate	3.69%	3.75%	60 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA Certificate	3.64%	3.70%	12 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month IRA Certificate	3.64%	3.70%	18 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month IRA Certificate	3.64%	3.70%	3 mos
Min Deposit $75,000 Min Balance $75,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Month IRA Certificate	3.64%	3.70%	30 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA Certificate	3.64%	3.70%	36 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month IRA Certificate	3.64%	3.70%	6 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA Certificate	3.59%	3.65%	24 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month IRA Certificate	3.59%	3.65%	48 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month IRA Certificate	3.59%	3.65%	60 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA Certificate	3.54%	3.60%	12 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month IRA Certificate	3.54%	3.60%	18 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month IRA Certificate	3.54%	3.60%	3 mos
Min Deposit $10,000 Min Balance $10,000 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Month IRA Certificate	3.54%	3.60%	30 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA Certificate	3.54%	3.60%	36 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month IRA Certificate	3.54%	3.60%	6 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA Certificate	3.49%	3.55%	24 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA Certificate	3.45%	3.50%	12 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18 Month IRA Certificate	3.45%	3.50%	18 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month IRA Certificate	3.45%	3.50%	3 mos
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. 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. Opening balance and minimum balance of $500 for all certificates. 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. See Credit Union for additional terms and conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Utilities Employees Credit Union Savings Rates

Product	Rate	APY
Money Market Savings Account	-	2.00%
Min Balance $2,500 Details Dividend rate and APY are stated as of 9/8/2026 and may change after the account is opened. Rates are subject to change at the Credit Union's discretion, without notice. 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Regular Share Savings	-	0.45%
Details Foundation for Membership. Dividend rate and Annual Percentage Yield (APY) are stated as of 9/8/2026. No minimum balance requirement. No fees. Unlimited deposits. Convenient access anytime through Mobile & Online Banking. Convenient payroll deduction so saving happens automatically. Set up as individual or joint ownership. Insured by NCUA up to $250,000. Make deposits by mail, payroll deduction, direct deposit, or transfer from another account; deposit checks anytime with Mobile & Online Banking. Fee-free ATM access with a Quick Cash Card or Advantages Visa Debit CardTM. Can be used as collateral on a loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Special Goal Savings Account	-	0.45%
Details Dividend rate and Annual Percentage Yield (APY) are stated as of 9/8/2026. Create unlimited sub-accounts under your member number to organize and reach specific goals-taxes, car insurance, travel, college costs, and more. Earns the same dividend rate as your Share Savings. Name each sub-account to match your goals. No fees. No minimum balance. Unlimited deposits. Insured by NCUA up to $250,000. Access details by phone or Mobile & Online Banking. Deposits by mail, payroll deduction, direct deposit, or transfer from another account. ATM cash access available with a no-fee Quick Cash Card. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Utilities Employees Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings Account	-	2.00%
Min Balance $2,500 Details Dividend rate and APY are stated as of 9/8/2026 and may change after the account is opened. Rates are subject to change at the Credit Union's discretion, without notice. 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Adventure Sports Vehicle Loans	-	-	8.24%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Adventure Sports Vehicle Loans	-	-	8.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Utilities Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans	-	7.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Motorcycle Loans	-	8.24%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat Loans	-	8.49%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Boat Loans	-	8.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Utilities Employees Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Power CardTM	-	8.75%
Details Published APR range: 8.75% to 18.00%. Rate: variable, based on Wall Street Journal Prime Rate ("index") plus or minus a margin, and may adjust on a monthly basis. Rate will not exceed 18%. Rate quoted as of 9/1/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Utilities Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	9.20%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Utilities Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2018 and Older Models Loan	-	-	7.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2018 and Older Models Loan	-	-	8.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2019 to 2021 Models Loan	-	-	5.24%	up to 36 Months
Details 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2019 to 2021 Models Loan	-	-	5.49%	37 to 60 Months
Details 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2019 to 2022 Models Loan	-	-	8.24%	Up to 36 months
Details 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2019 to 2022 Models Loan	-	-	8.49%	37 to 60 months
Details 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2026 and Newer Models (new or used) Loan	-	-	8.99%	85 to 96 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2026 and Newer Models (new or used) Loan	-	-	9.49%	97 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2026 and Newer Models Loan	-	-	8.74%	73 to 84 months
Details Additional APR listed for this product: 9.99%. 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2026 and Newer Models Loan	-	-	11.49%	85 to 96 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
2026 and Newer Models Loan	-	-	12.49%	97 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
91% to 100% LTV (1st or 2nd lien) Loan	-	-	7.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
91% to 100% LTV (1st or 2nd lien) Loan	-	-	8.49%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
91% to 100% LTV (1st or 2nd lien) Loan	-	-	8.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
91% to 100% LTV (1st or 2nd lien) Loan	-	-	9.49%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Secured Loan	-	-	9.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Share Secured Loan	-	-	10.99%	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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Kasasa Cash Checking	-	-	0.35%
Min Deposit $0 Min Balance $15,000 Details Qualifications Required; Balance: $15,000.01 and over; Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. See our website, uecu.org/checking, or contact a Member Service Representative at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Kasasa Cash Checking	-	-	0.05%
Min Deposit $0 Min Balance $0 Details Balance: All balances, even if qualifications are not met; Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. See our website, uecu.org/checking, or contact a Member Service Representative at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

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

Utilities Employees Credit Union’s Texas Ratio rose from 0.93% in Q2 2023 to 3.38% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.5B	3.38%	5.0	A+
December 31, 2025	$1.5B	3.54%	5.0	A+
September 30, 2025	$1.5B	3.55%	5.0	A+
June 30, 2025	$1.5B	1.37%	5.0	A+
March 31, 2025	$1.5B	1.16%	5.0	A+
December 31, 2024	$1.3B	1.62%	5.0	A+
September 30, 2024	$1.3B	1.31%	5.0	A+
June 30, 2024	$1.3B	1.61%	5.0	A+
March 31, 2024	$1.3B	0.94%	5.0	A+
December 31, 2023	$1.3B	1.05%	5.0	A+
September 30, 2023	$1.3B	0.93%	5.0	A+
June 30, 2023	$1.3B	0.93%	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 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 O'Brien

CEO Bret Krevolin

Full-Time Employees 123

Part-Time Employees 2

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

3.38%

Return on Assets (ROA)

0.1319%

Return on Equity (ROE)

0.8458%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

1,507,207,109

Total Amount of Shares and Deposits

1,260,088,917

Total Shares and Deposits < 1 Year

1,213,889,137

Total Shares and Deposits 1 3 Years

30,686,919

Total Shares and Deposits > 3 Years

15,512,861

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

69,805,419

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

69,805,419

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

1,190,283,498

Total Interest Expense (Sum of items 6 8)

7,331,592

Share Certificates

10,275

Number of Accounts for Share Drafts

19,504

IRA KEOGH Accounts

3,228

Number of Accounts for Regular Shares

61,271

All other shares

373

Money Market Shares

6,638

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)

42,051,596

Total Liabilities

1,326,454,803

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Utilities Employees Credit Union earned the Verified Healthy badge

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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.

Current Utilities Employees Credit Union Rates

12-Month CD3.50%
18-Month CD3.50%
24-Month CD3.55%
60-Month CD3.65%
Savings0.45%

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

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Utilities Employees Credit Union Rates & Review September 2026

Brian McKay

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Frequently Asked Questions About Utilities Employees Credit Union

How many branches does Utilities Employees Credit Union operate?

Is a member application needed to join Utilities Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Utilities Employees Credit Union offer online and mobile banking?

Current Utilities Employees Credit Union Rates

Compare to Other Credit Unions