What are the current interest rates at U T?

Current rates for U T include: 12-Month CD: 2.00%, 18-Month CD: 1.55%, Savings: 3.25%, MMA: 3.85%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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U T Rates & Review October 2026

Q: How many branches does U T operate?

U T currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join U T?

Yes, to access services at U T, 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.

Q: Is there a first-time homebuyer program?

Currently, U T 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, U T 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 10, 2026

U T's top rates as of October 10, 2026 are 4.25% APY on its 7 Month Relationship Special CD, 3.25% APY on savings, 3.85% APY on money market accounts, and personal loans from 11.99% APR, according to rates verified by MonitorBankRates. Other U T CD rates include 14 Month Relationship Special at 4.00%, 35 Month Relationship Special at 4.00%, and 12 Month Add-On CD at 2.00%. MonitorBankRates evaluates the financial stability of U T with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.55%. Rates last updated and verified on 10/10/2026.

U T 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 U T? Share your experience about U T by leaving a review below, or read customer reviews before you decide to use U T.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

U T
UT Federal Credit Union - Corporate Office

1512 Coleman Rd
Knoxville, TN 37909

http://www.utfcu.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.

U T CD Rates

Product	Rate	APY	Term
7 Month Relationship Special	4.17%	4.25%	7 Month
Min Balance $5,000 Details See disclosure for qualifying conditions.; APY = Annual Percentage Yield. Rate applies to new money deposits. The 4.25% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 4.00% APY. Rate effective 9.22.2026. Rate is subject to change or end at any time. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Terms and conditions apply. Federally insured by NCUA. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Sep 22, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
14 Month Relationship Special	3.93%	4.00%	14 Month
Min Balance $5,000 Details See disclosure for qualifying conditions.; APY= Annual Percentage Yield. Rate applies to new money deposits. The 4.00% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 3.75% APY. Rate effective 9.22.2026. Rate is subject to change or end at any time. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Terms and conditions apply. Federally insured by NCUA. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Sep 22, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
35 Month Relationship Special	3.93%	4.00%	35 Month
Min Balance $5,000 Details See disclosure for qualifying conditions.; APY= Annual Percentage Yield. Rate applies to new money deposits. The 4.00% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 3.75% APY. Rate effective 7.20.2026. Rate is subject to change or end at any time. $500,000.00 maximum balance per individual member. Fees could reduce earnings on the account. Early withdrawal penalties may apply. Terms and conditions apply. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12 Month Add-On Certificate	1.982%	2.00%	12 Month
Min Deposit $100 Min Balance $100 Details Rate subject to change or end at any time. Dividends paid quarterly. Minimum add-on deposit after opening is $25 and can only be made at a branch location or by contacting the Digital Branch; a signature on the deposit receipt is required. Monthly paid dividends are not available for this certificate type. Certificate will automatically renew into the same Add-On Certificate type and term at maturity. Fees may reduce earnings. Early withdrawal penalties may apply. Terms and conditions apply. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18 Month Educational IRA	1.541%	1.55%	18 Month
Min Deposit $100 Min Balance $2,000 Details *All regular (non-special/promo) certificates, with the exception of Educational IRAs, require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

U T Savings Rates

Product	Rate	APY
U Earn Savings	3.20%	3.25%
Min Deposit $25,000 Min Balance $100,000 Details Qualifications Required: UTFCU consumer checking account maintained; At least $500 in total direct deposits per month; U Earn Savings*** - $100,000 - $249,999; Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
U Earn Savings	2.72%	2.75%
Min Deposit $25,000 Min Balance $25,000 Details Qualifications Required: UTFCU consumer checking account maintained; At least $500 in total direct deposits per month; U Earn Savings*** - $25,000 - $99,999; Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Holiday Club	0.50%	0.50%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Health Savings	0.10%	0.10%
Details $.01 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

U T Money Market Rates

Product	Rate	APY
Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$24,999.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0.00-$1,999.00 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Money Market	0.05%	0.05%
Min Balance $2,000 Details Balance: $2,000-$9,999.00 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

U T Business Money Market Rates

Product	Rate	APY
Business Money Market	3.78%	3.85%
Min Balance $250,000 Details Balance: $250,000 and over; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business Money Market	3.25%	3.30%
Min Balance $100,000 Details Balance: $100,000-$249,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business Money Market	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000-$99,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business Money Market	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000-$24,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 - $9,999; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

U T Auto Loan Rates

Product	Rate	Points	APR	Term
Relationship Auto Loan	-	-	5.85%	48 months
Details APR includes a 0.25% relationship discount for members with checking account and debit card. Actual Rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Relationship Auto Loan	-	-	5.85%	60 months
Details APR includes a 0.25% relationship discount for members with checking account and debit card. Actual Rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Relationship Auto Loan	-	-	5.85%	66 months
Details APR includes a 0.25% relationship discount for members with checking account and debit card. Actual Rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Relationship Auto Loan	-	-	5.85%	78 months
Details APR includes a 0.25% relationship discount for members with checking account and debit card. Actual Rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Relationship Auto Loan	-	-	5.85%	84 months
Details APR includes a 0.25% relationship discount for members with checking account and debit card. Actual Rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Relationship Auto Loan	-	-	6.35%	96 months
Details APR includes a 0.25% relationship discount for members with checking account and debit card. Actual Rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

U T RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Relationship Recreational Vehicle Loan - 78 months	-	8.34%	78 months
Details APR = Annual Percentage Rate. The APR includes a 0.25% relationship discount for members with checking account and debit card. Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Recreational Vehicle Loan	-	8.59%	78 months
Details As Low As; Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Relationship Recreational Vehicle Loan - 84 months	-	10.34%	84 months
Details APR = Annual Percentage Rate. The APR includes a 0.25% relationship discount for members with checking account and debit card. Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Recreational Vehicle Loan	-	10.59%	84 months
Details As Low As; Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Relationship Recreational Vehicle Loan - 120 months	-	11.34%	120 months
Details APR = Annual Percentage Rate. The APR includes a 0.25% relationship discount for members with checking account and debit card. Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Recreational Vehicle Loan	-	11.59%	120 months
Details As Low As; Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

U T Personal Loan Rates

Product	APR	Term
Relationship Signature Loan	11.99%	36-month
Details New money only. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Signature Loan	11.99%	36 months
Details As Low As; New money only. Eligibility required. NCUA insured. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

U T Other Rates

Product	Rate	Points	APY/APR
Cumulative IRA	0.10%	-	0.10%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Regular Shares	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
U Rewards Share Draft	3.20%	-	3.25%
Min Balance $0 Details Qualifications Required: 20 debit card transactions; Log in to online or mobile banking; direct deposit; enrollment in eStatements; U Rewards Share Draft*** - up to $25,000; Balance: $0.00 - $25,000.00 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
U Save Round-Up	-	-	5.00%
Details Rate effective 5.21.2025. Rate is subject to change or end at any time. No other deposit methods are permitted into the U Save account. Funds can be withdrawn at any time. Terms and conditions apply. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Youth Shares	1.00%	-	1.00%
Details up to $2,500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

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

Financial Health History

U T’s Texas Ratio stayed near 1.13% in Q3 2023 to 1.55% 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	$554M	1.55%	5.0	A+
March 31, 2026	$572M	1.19%	5.0	A+
December 31, 2025	$562M	1.48%	5.0	A+
September 30, 2025	$552M	1.45%	5.0	A+
June 30, 2025	$535M	0.84%	5.0	A+
March 31, 2025	$539M	0.97%	5.0	A+
December 31, 2024	$518M	1.33%	5.0	A+
September 30, 2024	$522M	0.96%	5.0	A+
June 30, 2024	$498M	1.04%	5.0	A+
March 31, 2024	$498M	1.06%	5.0	A+
December 31, 2023	$479M	1.25%	5.0	A+
September 30, 2023	$472M	1.13%	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 U T 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 U T 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 U T's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name U T

Website http://www.utfcu.org

Address 1512 Coleman Rd, Knoxville, TN 37909

Phone 865-971-1971

Fax

President Mike McNeil

CEO Kenyon Warren

Full-Time Employees 98

Part-Time Employees 4

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.55%

Return on Assets (ROA)

0.2256%

Return on Equity (ROE)

2.3303%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

553,881,162

Total Amount of Shares and Deposits

486,513,054

Total Shares and Deposits < 1 Year

472,915,864

Total Shares and Deposits 1 3 Years

13,556,738

Total Shares and Deposits > 3 Years

40,452

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

40,337,332

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

40,337,332

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

446,175,722

Total Interest Expense (Sum of items 6 8)

4,419,465

Share Certificates

2,630

Number of Accounts for Share Drafts

13,959

IRA KEOGH Accounts

238

Number of Accounts for Regular Shares

31,431

All other shares

Non Member Deposits

Money Market Shares

1,368

Net Income (unless the amount is already included in Undivided Earnings)

1,249,805

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)

25,852,077

Total Liabilities

504,456,050

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

U T earned the Verified Healthy badge

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Frequently Asked Questions About U T

How many branches does U T operate?

U T 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 U T?

Yes, to access services at U T, 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, U T 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, U T provides members with tools to manage their accounts and build a solid financial history.

Does U T offer online and mobile banking?

Most modern institutions like U T 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: http://www.utfcu.org.

Current U T Rates

12-Month CD2.00%
18-Month CD1.55%
Savings3.25%
MMA3.85%

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

Compare to Other Credit Unions

U T Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

U T Texas Ratio

U T Health Trend

U T CD Rates

U T Savings Rates

U T Money Market Rates

U T Business Money Market Rates

U T Auto Loan Rates

U T RV, Boat and Powersport Loan Rates

U T Personal Loan Rates

U T Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

U T earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About U T

How many branches does U T operate?

Is a member application needed to join U T?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does U T offer online and mobile banking?

Current U T Rates

Compare to Other Credit Unions