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United Teletech Financial Federal Credit Union

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United Teletech Financial Federal Credit Union Rates & Review September 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 and Verified: September 10, 2026

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 4.92%. Rates last updated and verified on 09/10/2026.

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 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.92%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

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 Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Mortgage	5.99%	-	6.04%	15-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
30-Year Fixed Mortage	6.99%	-	7.02%	30-Year Fixed
No additional details. Last Updated 09/09/2026 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
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. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
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. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
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. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
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. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
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. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
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. Loans over 90% CLTV may be subject to an increase in APR. Last Updated 09/09/2026 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
Platinum Credit Card	-	10.40%
Details Intro APR on Purchases and Balance Transfer in the First 6 Months; variable; Regular APR: 10.40% to 16.90%; APR range: 10.40% to 16.90% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Platinum Rewards Credit Card	-	12.40%
Details Spend $2,000 in the first 3 months and you'll receive 5,000 bonus points; 0% Intro APR on any purchase in the first six months; 0% Intro APR on balance transfers in the first 6 months; variable; Regular APR: 12.40% to 18.00%; APR range: 12.40% to 18.00% Last Updated 09/09/2026 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
Personal Loan	8.75%	Up to 48 months
Details Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%
Debt Consolidation Loan	9.00%
Details As low as Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.92%

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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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 amber line marks the 15% level a credit union must stay under 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 threshold

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 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 64

Part-Time Employees 1

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+ (98/100)

Texas Ratio

4.92%

Return on Assets (ROA)

0.0482%

Return on Equity (ROE)

0.5438%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

329,818,970

Total Amount of Shares and Deposits

292,335,684

Total Shares and Deposits < 1 Year

280,030,332

Total Shares and Deposits 1 3 Years

12,165,581

Total Shares and Deposits > 3 Years

139,771

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

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.

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Customer Reviews

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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.