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United Teletech Financial Federal Credit Union Rates & Review June 2026

United Teletech Financial Federal Credit Union's 3.75% APY CD Special for 8 month New Money Promotion rates are at 3.75%, CD Accounts & IRAs with a Balance of and over - 60 month rates are at 3.50%, 60 month CD Accounts & IRAs rates are at 3.25%, CD Accounts & IRAs with a Balance of and over - 48-59 month rates are at 3.25%, 60 month 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 5.88%, 30-Year Fixed Mortage rates are at 6.87%. 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 06/16/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
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
Member NCUA

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
Details $10,000; New money required and must be maintained throughout the term. Renewal term is 6 months. Penalty for early withdrawal is 90 days interest. Offer may change or end at any time. Other restrictions may apply.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 60 month 3.45% 3.50% 60 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
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
Details Balance of $25,000 - $49,999.99
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 48-59 month 3.20% 3.25% 59 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
60 month Certificate Accounts & IRAs 2.96% 3.00% 60 Months
Min Balance $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 36-47 month 2.96% 3.00% 47 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
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
Details Balance of $25,000 - $49,999.99
Last Updated 06/16/2026
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 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 24-35 month 2.47% 2.50% 35 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
48-59 month Certificate Accounts & IRAs 2.23% 2.25% 48-59 Months
Min Balance $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 18-23 month 2.23% 2.25% 23 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
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 $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 12-17 month 1.98% 2.00% 17 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
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
Details Balance of $25,000 - $49,999.99
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
24-35 month Certificate Accounts & IRAs 1.49% 1.50% 24-35 Months
Min Balance $500
Last Updated 06/16/2026
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 $500
Last Updated 06/16/2026
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 $500
Last Updated 06/16/2026
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 $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 3-5 month 0.10% 0.10% 5 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of and over - 6-11 month 0.10% 0.10% 11 Months
Min Balance $100,000
Details $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%

United Teletech Financial Federal Credit Union Savings Rates

Product Rate APY View More
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 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
U-Savers Club 0.50% 0.50%
Min Balance $0
Details Rate accurate as of 1/1/2022.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
IRA Savings 0.15% 0.15%
Min Balance $100
Last Updated 06/16/2026
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 06/16/2026
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 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
U-Savers Club 0.10% 0.10%
Min Balance $5,000
Details Rate accurate as of 1/1/2022.
Last Updated 06/16/2026
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 06/16/2026
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
Last Updated 06/16/2026
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
Last Updated 06/16/2026
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 View More
Money Market Account - 3.15%
Details As high as
Last Updated 06/16/2026
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 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 06/16/2026
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 APY for balances of $25,000 and over
Last Updated 06/16/2026
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 APY for balances of $10,000 - $24,999
Last Updated 06/16/2026
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. 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 06/16/2026
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 APY for balances of $1,000 - $9,999.99
Last Updated 06/16/2026
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 06/16/2026
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
Details Rate accurate as of 1/1/2022.
Last Updated 06/16/2026
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 View More
15-Year Fixed Mortgage 5.88% - 5.88% 15-Year Fixed Mortgage
Details Rates are subject to change without notice. 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. The rate lock period is 30 days and rates are subject to market conditions thereafter. Loans are subject to credit approval.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
30-Year Fixed Mortage 6.87% - 6.88% 30-Year Fixed Mortage
Details Rates are subject to change without notice. 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. The rate lock period is 30 days and rates are subject to market conditions thereafter. Loans are subject to credit approval.
Last Updated 06/16/2026
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 View More
Home Equity Line of Credit - - 4.99% 3 months
Details Limited-Time Offer; As low as
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%
Home Equity Fixed Rate Loan - 10 Year Term - - 6.00% 120 Months
Details As Low As; Loans over 80% CLTV may be subject to an increase in APR. 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. Up to $350,000
Last Updated 06/16/2026
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 of 6.50% 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 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. Up to $350,000
Last Updated 06/16/2026
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 View More
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 06/16/2026
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. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated 06/16/2026
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. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated 06/16/2026
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. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated 06/16/2026
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. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated 06/16/2026
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. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated 06/16/2026
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. Loans over 90% CLTV may be subject to an increase in APR.
Last Updated 06/16/2026
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.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.57%

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
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
29
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
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

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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%
  • Savings0.00%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.