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United Teletech Financial Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
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Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 21, 2026
United Teletech Financial Federal Credit Union's 3.75% APY CD Special for 8 month New Money Promotion rates are at 3.75%, 60 Month CD Accounts & IRAs with a Balance of and over rates are at 3.50%, 48 - 59 Month CD Accounts & IRAs with a Balance of and over rates are at 3.25%, 60 Month CD Accounts & IRAs with a Balance of rates are at 3.25%, 36 - 47 Month CD Accounts & IRAs with a Balance of and over rates are at 3.00%. United Teletech Financial Federal Credit Union's savings rates are at 0.05%. United Teletech Financial Federal Credit Union's money market rates are at 0.05%. United Teletech Financial Federal Credit Union's First Mortgage - 15-Year Fixed Mortgage rates are at 5.99%, First Mortgage - 30-Year Fixed Mortage rates are at 6.99%. United Teletech Financial Federal Credit Union's Personal Loan Rates are as low as 8.75%. United Teletech Financial Federal Credit Union's Credit Card Rates are at 10.40%. MonitorBankRates evaluates the financial stability of United Teletech Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.92%. Rates last updated and verified on 09/21/2026.
United Teletech Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Teletech Financial Federal Credit Union? Share your experience about United Teletech Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United Teletech Financial Federal Credit Union.
United Teletech Financial Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
United Teletech Financial Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.92%
ExcellentLower than avg
United Teletech Financial Federal Credit Union Texas Ratio
United Teletech Financial Federal Credit Union's Texas Ratio is 4.92%, which is considered excellent and is lower than the national average of 6.13%.
United Teletech Financial Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
United Teletech Financial Federal Credit Union Health Trend
10.96% to 4.92% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved and is now very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
United Teletech Financial Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
3.75% APY Certificate Special for 8 month New Money Promotion
3.69%
3.75%
8 Months
Min Deposit$10,000
Details$10,000; Rate effective as of 08/07/2026. New money may include funds deposited into a new or existing member's share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a certificate with a 8-month term is 6 months. Penalty imposed for early withdrawal. For a 8-month certificate, penalty is 90 days interest. Offer may change or end at any time. Other restrictions may apply. Federally insured by NCUA.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
60 Month Certificate Accounts & IRAs with a Balance of and over
3.45%
3.50%
60 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of and over
3.20%
3.25%
48-59 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
60 Month Certificate Accounts & IRAs with a Balance of
3.20%
3.25%
60 Months
Details$25,000 - $49,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
36 - 47 Month Certificate Accounts & IRAs with a Balance of and over
2.96%
3.00%
36-47 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of
2.96%
3.00%
48-59 Months
Details$75,000 - $99,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
60 Month Certificate Accounts & IRAs with a Balance of
2.96%
3.00%
60 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of and over
2.47%
2.50%
24-35 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
36 - 47 Month Certificate Accounts & IRAs with a Balance of
2.47%
2.50%
36-47 Months
Details$75,000 - $99,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of
2.47%
2.50%
48-59 Months
Details$25,000 - $49,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of
2.47%
2.50%
48 - 59 Months
Details$50,000 - $74,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
18 - 23 Month Certificate Accounts & IRAs with a Balance of and over
2.23%
2.25%
18-23 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
48 - 59 Month Certificate Accounts & IRAs with a Balance of
2.23%
2.25%
48-59 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
12 - 17 Month Certificate Accounts & IRAs with a Balance of and over
1.98%
2.00%
12-17 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of
1.98%
2.00%
24-35 Months
Details$75,000 - $99,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
36 - 47 Month Certificate Accounts & IRAs with a Balance of
1.98%
2.00%
36-47 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
18 - 23 Month Certificate Accounts & IRAs with a Balance of
1.74%
1.75%
18-23 Months
Details$75,000 - $99,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of
1.74%
1.75%
24-35 Months
Details$25,000 - $49,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
12 - 17 Month Certificate Accounts & IRAs with a Balance of
1.49%
1.50%
12-17 Months
Details$75,000 - $99,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
24 - 35 Month Certificate Accounts & IRAs with a Balance of
1.49%
1.50%
24-35 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
18 - 23 Month Certificate Accounts & IRAs with a Balance of
1.24%
1.25%
18-23 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
12 - 17 Month Certificate Accounts & IRAs with a Balance of
1.00%
1.00%
12-17 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
3 - 5 Month Certificate Accounts & IRAs with a Balance of
0.10%
0.10%
3-5 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
3 - 5 Month Certificate Accounts & IRAs with a Balance of and over
0.10%
0.10%
3-5 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
6 - 11 Month Certificate Accounts & IRAs with a Balance of
0.10%
0.10%
6-11 Months
Details$500 -$24,999.99; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
6 - 11 Month Certificate Accounts & IRAs with a Balance of and over
0.10%
0.10%
6-11 Months
Details$100,000; Rate effective as of 08/07/2026.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings Accounts - Conduit IRA
0.15%
0.15%
Min Balance$100
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
IRA Savings Accounts - IRA Savings
0.15%
0.15%
Min Balance$100
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
IRA Savings Accounts - Roth IRA
0.15%
0.15%
Min Balance$100
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Business U-Savers Club
0.10%
0.10%
Min Balance$5,000
DetailsBalance: $5,000.01 and over
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Holiday Club Savings Account
0.10%
0.10%
Min Balance$5
DetailsRate may change at any time. Rate accurate as of 1/1/2022.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Kids Club Savings Account
0.10%
0.10%
Min Balance$2,500
DetailsBalance: $2,500.01 and over; Rate may change at any time. Rate accurate as of 1/1/2022.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Vacation Club Savings Account
0.10%
0.10%
Min Balance$5
DetailsRate may change at any time. Rate accurate as of 1/1/2022.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Consumer and Business Savings Account (Main Share)
0.05%
0.05%
Min Balance$250
DetailsBalance: $250-$4,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Consumer and Business Savings Account (Main Share)
0.05%
0.05%
Min Balance$5,000
DetailsBalance: $5,000-$9,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Consumer and Business Savings Account (Main Share)
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000 and over
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Ultra Money Market Account
2.96%
3.00%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 and over; Minimum account funding of $50,000.00 with funds not currently on deposit with UTF is required to earn promotional rate. Balances up to $1,000,000 are eligible for the promotional APY, however, NCUA coverage will only apply to balances of $250,000 or less. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Money Market Account
1.44%
1.45%
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Ultra Money Market Account
0.25%
0.25%
Min Deposit$50,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99; Minimum account funding of $50,000.00 with funds not currently on deposit with UTF is required to earn promotional rate. Balances up to $1,000,000 are eligible for the promotional APY, however, NCUA coverage will only apply to balances of $250,000 or less. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Money Market Account
0.25%
0.25%
Min Balance$1,000
DetailsBalance: $1,000-$9,999
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Estate Money Market Accounts
0.10%
0.10%
Min Balance$1,000
DetailsBalance: $1,000-$9,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Estate Money Market Accounts
0.10%
0.10%
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Estate Money Market Accounts
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000 and over
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Business Money Market Accounts
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000-$4,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Business Money Market Accounts
0.05%
0.05%
Min Balance$5,000
DetailsBalance: $5,000-$24,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Business Money Market Accounts
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Business Money Market Accounts
0.05%
0.05%
Min Balance$75,000
DetailsBalance: $75,000 and over
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
First Mortgage - 15-Year Fixed Mortgage
5.99%
-
6.04%
15 years
DetailsTerm: 15-Year Fixed Mortgage; Cost per $10,000 Borrowed: $84.34; Rates accurate as of Tuesday, July 28, 2026. Your payment per $10,000 borrowed for a 30-year fixed mortgage with a rate of 6.99% (7.024% APR) is $66.47. Your payment per $10,000 borrowed for a 15-year fixed mortgage with a rate of 5.99% (APR 6.04) is $83.34. Rates are based on the following assumptions: Maximum loan amount of $832,750, down payment of 20%, 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing, NJ property. Rates are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your loan amount, loan type, FICO score, purpose, and loan to value. Hazard insurance is required and flood Insurance may be required if the property is located in a flood zone. The payment listed above does not include amounts for taxes, homeowner's insurance and flood
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
First Mortgage - 30-Year Fixed Mortage
6.99%
-
7.02%
30 years
DetailsTerm: 30-Year Fixed Mortage; Cost per $10,000 Borrowed: $66.47; Rates accurate as of Tuesday, July 28, 2026. Your payment per $10,000 borrowed for a 30-year fixed mortgage with a rate of 6.99% (7.024% APR) is $66.47. Your payment per $10,000 borrowed for a 15-year fixed mortgage with a rate of 5.99% (APR 6.04) is $83.34. Rates are based on the following assumptions: Maximum loan amount of $832,750, down payment of 20%, 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing, NJ property. Rates are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your loan amount, loan type, FICO score, purpose, and loan to value. Hazard insurance is required and flood Insurance may be required if the property is located in a flood zone. The payment listed above does not include amounts for taxes, homeowner's insurance and flood i
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Fixed Rate Loan - 10 Year Term
-
-
6.00%
120 Months
DetailsRates advertised are as low as and depend on creditworthiness. Max Line amount is $350,000. Stated rate includes discount for direct deposit into a United Teletech checking account and electronic payment. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid for refinancing of existing UTF Home Equity Lines less than eight (8) years old. Property insurance is required. For additional information call 866-462-5532. NMLS# 402779. As Low As; Stated rate includes discount for direct deposit into a United Teletech checking account and electronic payment.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Powerline HELOC (Variable Home Equity Line of Credit)
-
-
6.75%
180 Months
DetailsRate of 6.75% APR is variable based on the Wall Street Journal Prime Rate minus 0.25% depending on creditworthiness and is not to exceed 16% APR. Prime rate as of 9/17/26 is 7.00% APR. Prime rate may change at any time without notice. HELOC may not exceed 90% Combined Loan-To-Value (CLTV). Rates advertised are for up to 80% CLTV. Max Line amount is $250,000. Stated rate includes a discount for electronic payment. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid for refinancing of existing UTF Home Equity Lines less than eight (8) years old. Property insurance is required. For additional information call 866-462-5532. NMLS# 402779. Federally insured by NCUA. As Low As; Stated rate includes a discount for electronic payment.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans (New Vehicles only)
-
-
3.99%
Up to 24 Months
DetailsRate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)
-
-
4.13%
25 to 36 Months
DetailsRate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)
-
-
4.38%
37 to 48 Months
DetailsRate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)
-
-
4.63%
49 to 66 Months
DetailsRate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)
-
-
4.88%
67 to 72 Months
DetailsRate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Auto Loans (New Vehicles only)
-
-
5.38%
73 to 84 Months
DetailsRate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Payment examples: For a loan with an initial principal balance of $10,000 and an interest rate of 3.99% for a five-year term, the monthly payment for 60 months would be $183.96. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Credit Card
-
10.40%
DetailsPublished APR range: 10.40% to 16.90%. Intro APR on Purchases and Balance Transfer in the First 6 Months; variable
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Platinum Rewards Credit Card
-
12.40%
DetailsPublished APR range: 12.40% to 18.00%. 0% Intro APR on any purchase in the first six months; 0% Intro APR on balance transfers in the first 6 months; variable
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
8.75%
Up to 48 months
DetailsRates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Personal Loan
8.75%
49 to 60 months
DetailsRates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Debt Consolidation Loan
9.00%
DetailsAs low as; From debt consolidation to lower-rate options, we'll help you find a path that feels more manageable.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Teletech Financial Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
IRA Savings Accounts - Coverdell Educational Savings Account
0.15%
-
0.15%
Min Balance$100
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
U-Win
0.25%
-
0.25%
Min Balance$0
DetailsBalance: $0.01 - $1,500.00
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
U-Win
-
-
0.75%
Min Balance$1,500
DetailsNew Jersey resident at the time of account opening, and continue to be a New Jersey resident during the savings period. At least one account holder must be 18 years of age or older, or an individual minor may hold a U-WIN account with a parent or guardian's permission to participate. The account holder and/or parent or legal guardian of a minor account holder must review and agree to the terms and conditions of this Agreement.
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
United Grow
-
-
2.00%
Min Deposit$25
Min Balance$1,500
DetailsEarn interest on balances between $1,500.01 and $5,000.00; $10 monthly fee waived if you deposit $1,000 in direct deposits each month or maintain an average balance of $1,500 or more
Last Updated09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.92%
Financial Health History
United Teletech Financial Federal Credit Union’s Texas Ratio fell from 10.96% in Q2 2023 to 4.92% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
March 31, 2026
$330M
4.92%
5.0
A+
December 31, 2025
$332M
7.96%
5.0
A
September 30, 2025
$336M
6.57%
5.0
A
June 30, 2025
$334M
9.27%
5.0
A
March 31, 2025
$339M
7.05%
5.0
A
December 31, 2024
$336M
8.72%
5.0
A
September 30, 2024
$332M
6.20%
5.0
A
June 30, 2024
$337M
10.24%
5.0
A
March 31, 2024
$343M
9.01%
5.0
A
December 31, 2023
$339M
8.93%
5.0
A
September 30, 2023
$325M
10.71%
5.0
A
June 30, 2023
$326M
10.96%
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 United Teletech Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather United Teletech Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with United Teletech Financial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameUnited Teletech Financial Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,336,452
Total Uninsured Shares and Deposits > $250K (F+J)
29,336,452
Total Insured Shares and Deposits > $250K (item 17 less item K)
262,999,232
Total Interest Expense (Sum of items 6 8)
1,002,845
Share Certificates
628
Number of Accounts for Share Drafts
12,123
IRA KEOGH Accounts
538
Number of Accounts for Regular Shares
20,509
Non Member Deposits
16
Money Market Shares
1,089
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)
1,976,198
Total Liabilities
306,202,446
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
United Teletech Financial Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About United Teletech Financial Federal Credit Union
How many branches does United Teletech Financial Federal Credit Union operate?
United Teletech Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join United Teletech Financial Federal Credit Union?
Yes, to access services at United Teletech Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, United Teletech Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, United Teletech Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does United Teletech Financial Federal Credit Union offer online and mobile banking?
Most modern institutions like United Teletech Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.utfinancial.org.
Current United Teletech Financial Federal Credit Union Rates
12-Month CD0.10%
18-Month CD1.00%
24-Month CD1.25%
60-Month CD2.25%
Savings0.05%
MMA0.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
