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: 2.00%

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Utilities Employees Credit Union

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Utilities Employees Credit Union Rates & Review October 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: October 9, 2026

Utilities Employees Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 13 Month IRA CD Special, 2.00% APY on savings, personal loans from 9.45% APR, and credit cards from 8.75% APR, according to rates verified by MonitorBankRates. Other Utilities Employees Credit Union CD rates include 20 Month IRA CD Special at 4.00%, 48 Month IRA CD at 3.85%, and 60 Month IRA CD at 3.85%. 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 4.11%. Rates last updated and verified on 10/09/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.11%

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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Utilities Employees Credit Union CD Rates

Product	Rate	APY	Term
13 Month IRA Certificate Special	3.93%	4.00%	13 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
13 Month IRA Certificate Special	3.93%	4.00%	13 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
13 Month IRA Certificate Special	3.93%	4.00%	13 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
20 Month IRA Certificate Special	3.93%	4.00%	20 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
20 Month IRA Certificate Special	3.93%	4.00%	20 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
20 Month IRA Certificate Special	3.93%	4.00%	20 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
48 Month IRA Certificate	3.78%	3.85%	48 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
60 Month IRA Certificate	3.78%	3.85%	60 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
30 Month IRA Certificate	3.74%	3.80%	30 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 Month IRA Certificate	3.74%	3.80%	36 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6 Month IRA Certificate	3.74%	3.80%	6 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
24 Month IRA Certificate	3.69%	3.75%	24 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
48 Month IRA Certificate	3.69%	3.75%	48 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
60 Month IRA Certificate	3.69%	3.75%	60 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
12 Month IRA Certificate	3.64%	3.70%	12 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18 Month IRA Certificate	3.64%	3.70%	18 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3 Month IRA Certificate	3.64%	3.70%	3 months
Min Deposit $500 Min Balance $75,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
30 Month IRA Certificate	3.64%	3.70%	30 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 Month IRA Certificate	3.64%	3.70%	36 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6 Month IRA Certificate	3.64%	3.70%	6 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
24 Month IRA Certificate	3.59%	3.65%	24 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
48 Month IRA Certificate	3.59%	3.65%	48 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
60 Month IRA Certificate	3.59%	3.65%	60 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
12 Month IRA Certificate	3.54%	3.60%	12 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18 Month IRA Certificate	3.54%	3.60%	18 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3 Month IRA Certificate	3.54%	3.60%	3 months
Min Deposit $500 Min Balance $10,000 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
30 Month IRA Certificate	3.54%	3.60%	30 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
36 Month IRA Certificate	3.54%	3.60%	36 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6 Month IRA Certificate	3.54%	3.60%	6 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
24 Month IRA Certificate	3.49%	3.55%	24 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
12 Month IRA Certificate	3.45%	3.50%	12 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18 Month IRA Certificate	3.45%	3.50%	18 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3 Month IRA Certificate	3.45%	3.50%	3 months
Min Deposit $500 Min Balance $500 Details APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. 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. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Savings Rates

Product	Rate	APY
Money Market Savings Account	-	2.00%
Details Dividend rate and APY are stated as of 10/1/2026 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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Regular Share Savings (Foundation for Membership)	-	0.45%
Details APY=Annual Percentage Yield. Dividend rate and Annual Percentage Yield (APY) are stated as of 10/1/2026. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Special Goal Savings Account	-	0.45%
Details APY=Annual Percentage Yield. Dividend rate and Annual Percentage Yield (APY) are stated as of 10/1/2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings Account	-	2.00%
Details Dividend rate and APY are stated as of 10/1/2026 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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.24%	up to 36 Months
Details Qualifications Required: Qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month.; As Low As; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loans	-	-	4.99%	37 to 60 Months
Details Qualifications Required: Qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month.; As Low As; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loans	-	-	5.49%	61 to 72 Months
Details Qualifications Required: Qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month.; As Low As; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Adventure Sports Vehicle 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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Adventure Sports Vehicle Loan	-	-	8.99%	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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Motorcycle Loans	-	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 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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 is 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 10/1/2026. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	9.45%
Details Rates will vary based on an evaluation of credit, loan to value, and/or collateral evaluation if applicable. Not all applicants will qualify. Actual rate may differ. After approval, your regular variable rate is subject to change without notice. Rates for variable rate products will vary based on the Wall Street Journal Prime Rate ("index") plus the "margin" above or below the index rate as disclosed in your loan agreement. Maximum lifetime interest rate will not exceed 18% APR. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.20% → 9.45% ▲ 0.25 pts · high 9.45% / low 9.20% Oct 9, 20269.45%▲ from 9.20% Sep 14, 20269.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2018 and Older Models Loan	-	-	7.99%	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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2018 and Older Models Loan	-	-	8.99%	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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2019 to 2021 Models Loan	-	-	5.24%	up to 36 Months
Details As Low As; Daily Periodic Rate: 0.014356% Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2019 to 2021 Models Loan	-	-	5.49%	37 to 60 Months
Details As Low As; Daily Periodic Rate: 0.015041% Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2019 to 2022 Models Loan	-	-	8.99%	Up to 48 months
Details As Low As; Daily Periodic Rate: 0.024630% Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2019 to 2022 Models Loan	-	-	8.74%	Up to 36 months
Details As Low As; Daily Periodic Rate: .023945% Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 8.24% → 8.74% ▲ 0.50 pts · high 8.74% / low 8.24% Oct 9, 20268.74%▲ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2019 to 2022 Models Loan	-	-	9.24%	37 to 48 months
Details As Low As; Daily Periodic Rate: .025315% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2019 to 2022 Models Loan	-	-	8.24%	Up to 36 months
Details As Low As; Daily Periodic Rate: 0.022575% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2019 to 2022 Models Loan	-	-	8.49%	37 to 60 months
Details As Low As; Daily Periodic Rate: 0.023260% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2026 and Newer Models (new or used) Loan	-	-	8.99%	85 to 96 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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2026 and Newer Models (new or used) Loan	-	-	9.49%	97 to 120 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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2026 and Newer Models Loan	-	-	8.74%	73 to 84 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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2026 and Newer Models Loan	-	-	9.99%	73 to 84 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 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 9.99% ▲ 1.25 pts · high 9.99% / low 8.74% Oct 9, 20269.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Secured Loan	-	-	9.99%	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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Share Secured Loan	-	-	10.99%	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. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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 Q3 2023 to 4.11% in Q2 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
June 30, 2026	$1.5B	4.11%	5.0	A+
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+

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

4.11%

Return on Assets (ROA)

0.2715%

Return on Equity (ROE)

1.7265%

Non-Performing Loans Ratio (NPL)

1.26%

Total Assets

1,508,239,932

Total Amount of Shares and Deposits

1,261,374,117

Total Shares and Deposits < 1 Year

1,184,820,186

Total Shares and Deposits 1 3 Years

61,681,354

Total Shares and Deposits > 3 Years

14,872,577

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

72,644,248

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

72,644,248

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

1,188,729,869

Total Interest Expense (Sum of items 6 8)

14,638,039

Share Certificates

10,319

Number of Accounts for Share Drafts

19,501

IRA KEOGH Accounts

3,225

Number of Accounts for Regular Shares

61,535

All other shares

374

Money Market Shares

6,585

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)

36,554,209

Total Liabilities

1,326,887,106

Source: NCUA — Last Updated 06/30/2026

Q2 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%
Savings2.00%

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

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Utilities Employees Credit Union Rates & Review October 2026

Brian McKay

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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?

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

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