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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
U T Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 22, 2026
U T's 7 month CD rates are at 3.50%, 14 month CD rates are at 3.40%, 23 Month Bump Rate Special CD rates are at 3.25%, 12 Month Add-On CD rates are at 2.00%, 48 month CD rates are at 1.75%. U T's savings rates are at 0.10%. U T's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of U T with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.53%. Rates were last updated on 03/22/2026. 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. BNA Bank
UT Federal Credit Union Corporate Office 1512 Coleman Rd
http://www.utfcu.org Knoxville, TN 37909 
U T CD Rates
U T Savings Rates
U T Money Market Rates
Methodology & Data SourcesMonitorBankRates 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
103
Part-Time Employees
1
Branch Locations
8
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.53%
Return on Assets (ROA)
0.3904%
Return on Equity (ROE)
4.1526%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
551,768,645
Total Amount of Shares and Deposits
471,376,462
Total Shares and Deposits < 1 Year
453,345,256
Total Shares and Deposits 1 3 Years
18,020,292
Total Shares and Deposits > 3 Years
10,914
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
40,163,377
Total Uninsured Shares and Deposits > $250K (F+J)
40,163,377
Total Insured Shares and Deposits > $250K (item 17 less item K)
431,213,085
Total Interest Expense (Sum of items 6 8)
6,418,832
Share Certificates
2,850
Number of Accounts for Share Drafts
13,863
IRA KEOGH Accounts
246
Number of Accounts for Regular Shares
31,436
All other shares
40
Non Member Deposits
2
Money Market Shares
1,461
Net Income (unless the amount is already included in Undivided Earnings)
2,153,867
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
22,086,745
Total Liabilities
504,362,919
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About U TIs U T a safe place to deposit money?Yes, U T is considered a safe financial institution. With a Texas Ratio of 1.5305631505247%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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