What are the current interest rates at United Teletech Financial Federal Credit Union?

Current rates for United Teletech Financial Federal Credit Union include: 18-Month CD: 1.00%, 24-Month CD: 1.25%, 60-Month CD: 2.25%, Savings: 0.00%, MMA: 0.05%

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United Teletech Financial Federal Credit Union

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United Teletech Financial Federal Credit Union Rates & Review July 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 24, 2026

United Teletech Financial Federal Credit Union's 8 month 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%, 60 month CD Accounts & IRAs rates are at 3.25%, 48-59 month CD Accounts & IRAs with a Balance of and over rates are at 3.25%, 60 month Business CD Accounts & IRAs rates are at 3.00%. United Teletech Financial Federal Credit Union's savings rates are at 0.00%. United Teletech Financial Federal Credit Union's money market rates are at 0.05%. United Teletech Financial Federal Credit Union's 15-Year Fixed Mortgage rates are at 5.99%, 30-Year Fixed Mortage rates are at 6.88%. United Teletech Financial Federal Credit Union's Personal Loan Rates are at 8.75%. 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 6.57%. Rates were last updated on 07/24/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.57%

Excellent Higher than avg

United Teletech Financial Federal Credit Union
HANCE AVE

205 Hance Ave
TINTON FALLS, NJ 07724

https://www.utfinancial.org

United Teletech Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
8 month Certificate Special for 8 month New Money Promotion	3.69%	3.75%	8 Months
Min Deposit $10,000 Details $10,000; 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. Offer may change or end at any time. Other restrictions may apply. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 month Certificate Accounts & IRAs with a Balance of and over	3.45%	3.50%	60 Months
Details $100,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 month Certificate Accounts & IRAs	3.20%	3.25%	60 Months
Min Balance $25,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48-59 month Certificate Accounts & IRAs with a Balance of and over	3.20%	3.25%	48-59 Months
Details $100,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
60 month Business Certificate Accounts & IRAs	2.96%	3.00%	60 Months
Min Balance $500 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48-59 month Certificate Accounts & IRAs	2.96%	3.00%	48-59 Months
Min Balance $75,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36-47 month Certificate Accounts & IRAs with a Balance of and over	2.96%	3.00%	36-47 Months
Details $100,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48-59 month Certificate Accounts & IRAs	2.47%	2.50%	48-59 Months
Min Balance $25,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48 - 59 month Certificate Accounts & IRAs	2.47%	2.50%	48 - 59 Months
Min Balance $50,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24-35 month Certificate Accounts & IRAs with a Balance of and over	2.47%	2.50%	24-35 Months
Details $100,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
48-59 month Business Certificate Accounts & IRAs	2.23%	2.25%	48-59 Months
Min Balance $500 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
18-23 month Certificate Accounts & IRAs with a Balance of and over	2.23%	2.25%	18-23 Months
Details $100,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36-47 month Business Certificate Accounts & IRAs	1.98%	2.00%	36-47 Months
Min Balance $500 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
36-47 month Certificate Accounts & IRAs	1.98%	2.00%	36-47 Months
Min Balance $25,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12-17 month Certificate Accounts & IRAs with a Balance of and over	1.98%	2.00%	12-17 Months
Details $100,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24-35 month Certificate Accounts & IRAs	1.74%	1.75%	24-35 Months
Min Balance $25,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
24-35 month Business Certificate Accounts & IRAs	1.49%	1.50%	24-35 Months
Min Balance $500 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12-17 month Certificate Accounts & IRAs	1.49%	1.50%	12-17 Months
Min Balance $75,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
18-23 month Business Certificate Accounts & IRAs	1.24%	1.25%	18-23 Months
Min Balance $500 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
18-23 month Certificate Accounts & IRAs	1.24%	1.25%	18-23 Months
Min Balance $25,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12-17 month Business Certificate Accounts & IRAs	1.00%	1.00%	12-17 Months
Min Balance $500 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
12-17 month Certificate Accounts & IRAs	1.00%	1.00%	12-17 Months
Min Balance $25,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
3-5 month Business Certificate Accounts & IRAs	0.10%	0.10%	3-5 Months
Min Balance $500 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
3-5 month Certificate Accounts & IRAs	0.10%	0.10%	3-5 Months
Min Balance $25,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
3-5 month Certificate Accounts & IRAs with a Balance of and over	0.10%	0.10%	3-5 Months
Details $100,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Savings Rates

Product	Rate	APY
Business U-Savers Club	0.50%	0.50%
Min Balance $0 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Kids Club Savings Account	0.50%	0.50%
Min Balance $0 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
IRA Savings Accounts	0.15%	0.15%
Min Balance $100 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Business U-Savers Club	0.10%	0.10%
Min Balance $5,000 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Holiday Club Savings Account	0.10%	0.10%
Min Balance $5 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Kids Club Savings Account	0.10%	0.10%
Min Balance $2,500 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Vacation Club Savings Account	0.10%	0.10%
Min Balance $5 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Consumer and Business Savings Account (Main Share)	0.05%	0.05%
Min Balance $250 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Consumer and Business Savings Account (Main Share)	-	0.00%
Min Balance $0 Details Rate may change at any time. Rate accurate as of 1/1/2022. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	3.15%
Details As high as Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Ultra Money Market Account	2.96%	3.00%
Min Deposit $50,000 Min Balance $50,000 Details 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
United Money Market Account	2.10%	2.05%
Min Balance $25,000 Details The posted APY (Annual Percentage Yield) is as of 5/1/2026 and is subject to change at any time. APY for balances of $1,000 - $9,999.99 = 0.25%; $10,000 - $24,999 = 1.45%; $25,000 - $9,999,999 = 2.05%. Advertised rates and APYs are offered at the credit union's discretion and may change daily. Actual earnings may vary. Balances up to $9,999,999 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
United Money Market Account	1.44%	1.45%
Min Balance $10,000 Details The posted APY (Annual Percentage Yield) is as of 5/1/2026 and is subject to change at any time. APY for balances of $1,000 - $9,999.99 = 0.25%; $10,000 - $24,999 = 1.45%; $25,000 - $9,999,999 = 2.05%. Advertised rates and APYs are offered at the credit union's discretion and may change daily. Actual earnings may vary. Balances up to $9,999,999 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Ultra Money Market Account	0.25%	0.25%
Min Deposit $50,000 Min Balance $1,000 Details Minimum deposit of $50,000 to open account. 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
United Money Market Account	0.25%	0.25%
Min Balance $1,000 Details The posted APY (Annual Percentage Yield) is as of 5/1/2026 and is subject to change at any time. APY for balances of $1,000 - $9,999.99 = 0.25%; $10,000 - $24,999 = 1.45%; $25,000 - $9,999,999 = 2.05%. Advertised rates and APYs are offered at the credit union's discretion and may change daily. Actual earnings may vary. Balances up to $9,999,999 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Estate Money Market Accounts	0.10%	0.10%
Min Balance $1,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Business Money Market Accounts	0.05%	0.05%
Min Balance $1,000 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Checking Rates

Product	Rate	APY	View More
Business Interest Checking Accounts	-	0.00%
Min Balance $0 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Mortgage	5.99%	-	6.04%	15-Year
No additional details. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
30-Year Fixed Mortage	6.88%	-	6.88%	30-Year
No additional details. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan - 10 Year Term	-	-	6.00%	120 Months
Details As Low As; Rates 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 Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Powerline HELOC* (Variable Home Equity Line of Credit)	-	-	6.50%	180 Months
Details As Low As; Rate: Prime Rate - 0.25% APR*; 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 3/31/26 is 6.75% 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. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.99%
Details As low as; Advertised rate is based on creditworthiness and includes up to a .50% discount for automatic payment from a United Teletech Checking Account. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Auto Loans (New Vehicles only) - Up to 24 Months	-	-	3.99%	Up to 24 Months
Details Rate 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Auto Loans (New Vehicles only) - 25 to 36 Months	-	-	4.13%	25 to 36 Months
Details Rate 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Auto Loans (New Vehicles only) - 37 to 48 Months	-	-	4.38%	37 to 48 Months
Details Rate 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Auto Loans (New Vehicles only) - 49 to 66 Months	-	-	4.63%	49 to 66 Months
Details Rate 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Auto Loans (New Vehicles only) - 67 to 72 Months	-	-	4.88%	67 to 72 Months
Details Rate 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%
Auto Loans (New Vehicles only) - 73 to 84 Months	-	-	5.38%	73 to 84 Months
Details Rate 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 Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	8.75%
Details Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. The maximum term is 60 months. As an example, for a $10,000 personal loan at 9.25% and with a 5-year term, the APR will reflect a total finance cost of $12,527.94. Last Updated 07/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.57%

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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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 Name United Teletech Financial Federal Credit Union

Website https://www.utfinancial.org

Address 205 Hance Ave, TINTON FALLS, NJ 07724

Phone 732-530-8100

Fax 732-530-2027

President MICHAEL HOU

CEO LEO ARDINE

Full-Time Employees 62

Part-Time Employees 3

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.57%

Return on Assets (ROA)

0.0541%

Return on Equity (ROE)

0.6331%

Non-Performing Loans Ratio (NPL)

0.76%

Total Assets

336,446,715

Total Amount of Shares and Deposits

285,955,016

Total Shares and Deposits < 1 Year

267,592,122

Total Shares and Deposits 1 3 Years

15,200,436

Total Shares and Deposits > 3 Years

3,162,458

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

26,610,143

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

26,610,143

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

259,344,873

Total Interest Expense (Sum of items 6 8)

3,436,985

Share Certificates

641

Number of Accounts for Share Drafts

12,058

IRA KEOGH Accounts

559

Number of Accounts for Regular Shares

20,772

Non Member Deposits

Money Market Shares

1,091

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,406,257

Total Liabilities

313,607,201

Source: NCUA — Last Updated 09/30/2025

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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

18-Month CD1.00%
24-Month CD1.25%
60-Month CD2.25%
Savings0.00%
MMA0.05%

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

Compare to Other Credit Unions

United Teletech Financial Federal Credit Union Rates & Review July 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United Teletech Financial Federal Credit Union Texas Ratio

United Teletech Financial Federal Credit Union CD Rates

United Teletech Financial Federal Credit Union Savings Rates

United Teletech Financial Federal Credit Union Money Market Rates

United Teletech Financial Federal Credit Union Checking Rates

United Teletech Financial Federal Credit Union Mortgage Rates

United Teletech Financial Federal Credit Union Home Equity & HELOC

United Teletech Financial Federal Credit Union Auto Loan Rates

United Teletech Financial Federal Credit Union Personal Loan Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

United Teletech Financial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About United Teletech Financial Federal Credit Union

How many branches does United Teletech Financial Federal Credit Union operate?

Is a member application needed to join United Teletech Financial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United Teletech Financial Federal Credit Union offer online and mobile banking?

Current United Teletech Financial Federal Credit Union Rates

Compare to Other Credit Unions