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iAdvertiser Disclosure
Advertiser Disclosure
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 Union Building Trades Federal Credit Union Rates & Review April 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.
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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: April 18, 2026
Union Building Trades Federal Credit Union's 60 Month CD rates are at 0.55%, IRA CD 60 Month rates are at 0.55%, 30 Month CD rates are at 0.45%, IRA CD 30 Month rates are at 0.45%, 24 Month CD rates are at 0.40%. Union Building Trades Federal Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Union Building Trades Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.77%. Rates were last updated on 04/18/2026. Union Building Trades 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 Union Building Trades Federal Credit Union? Share your experience about Union Building Trades Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Union Building Trades Federal Credit Union. Union Building Trades Federal Credit Union
Union Building Trades Federal Credit Union 205 Cherry Hill Rd
https://www.ubtfcu.org Parsippany, NJ 07054 
Union Building Trades Federal Credit Union CD Rates
Union Building Trades Federal Credit Union Savings Rates
Union Building Trades Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Union Building Trades 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 Union Building Trades 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 Union Building Trades Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Union Building Trades Federal Credit Union
Website
https://www.ubtfcu.org
Address
205 Cherry Hill Rd,
Parsippany, NJ 07054
Phone
973-263-0001
Fax
973-263-5559
President
Bradly Ferguson
CEO
Robert Kodan
Full-Time Employees
17
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.77%
Return on Assets (ROA)
0.0045%
Return on Equity (ROE)
0.0354%
Non-Performing Loans Ratio (NPL)
1.47%
Total Assets
84,313,309
Total Amount of Shares and Deposits
70,898,475
Total Shares and Deposits < 1 Year
70,419,302
Total Shares and Deposits 1 3 Years
275,676
Total Shares and Deposits > 3 Years
203,497
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
917,378
Total Uninsured Shares and Deposits > $250K (F+J)
917,378
Total Insured Shares and Deposits > $250K (item 17 less item K)
69,981,097
Total Interest Expense (Sum of items 6 8)
182,824
Share Certificates
168
Number of Accounts for Share Drafts
1,148
IRA KEOGH Accounts
147
Number of Accounts for Regular Shares
25,353
Money Market Shares
107
Net Income (unless the amount is already included in Undivided Earnings)
3,831
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,300,313
Total Liabilities
73,515,808
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Union Building Trades Federal Credit UnionIs Union Building Trades Federal Credit Union a safe place to deposit money?Yes, Union Building Trades Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.7748639378812%, 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 Union Building Trades Federal Credit Union operate?Union Building Trades 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 Union Building Trades Federal Credit Union?Yes, to access services at Union Building Trades 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, Union Building Trades 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, Union Building Trades Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Union Building Trades Federal Credit Union offer online and mobile banking?Most modern institutions like Union Building Trades 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.ubtfcu.org. Current Union Building Trades Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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