What are the current interest rates at Utilities Employees Credit Union?

Current rates for Utilities Employees Credit Union include: Savings: 2.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Utilities Employees Credit Union

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Utilities Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Utilities Employees 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: October 13, 2026

Utilities Employees Credit Union's top rates as of October 13, 2026 are 4.00% APY on its CD of Deposit - 13 mos Special, 2.00% APY on savings, personal loans from 9.45% APR, and credit cards from 8.75% APR, according to rates verified by MonitorBankRates. Other Utilities Employees Credit Union CD rates include CD of Deposit - 20 mos Special at 4.00%, CD of Deposit - 48 mos at 3.85%, and CD of Deposit - 60 mos at 3.85%. MonitorBankRates evaluates the financial stability of Utilities Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.11%. Rates last updated and verified on 10/13/2026.

Utilities Employees 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 Utilities Employees Credit Union? Share your experience about Utilities Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Utilities Employees Credit Union.

Verified Healthy Q2 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

4.11%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Utilities Employees Credit Union
Utilities Employees Credit Union

11 Meridian Blvd
Wyomissing, PA 19610

https://www.uecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Utilities Employees Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 13 mos Special	3.93%	4.00%	13 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 13 mos Special	3.93%	4.00%	13 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 13 mos Special	3.93%	4.00%	13 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 20 mos Special	3.93%	4.00%	20 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 20 mos Special	3.93%	4.00%	20 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 20 mos Special	3.93%	4.00%	20 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 48 mos	3.78%	3.85%	48 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 60 mos	3.78%	3.85%	60 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 30 mos	3.74%	3.80%	30 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 36 mos	3.74%	3.80%	36 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 6 mos	3.74%	3.80%	6 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 24 mos	3.69%	3.75%	24 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 48 mos	3.69%	3.75%	48 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 60 mos	3.69%	3.75%	60 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 12 mos	3.64%	3.70%	12 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 18 mos	3.64%	3.70%	18 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 3 mos	3.64%	3.70%	3 months
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 30 mos	3.64%	3.70%	30 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 36 mos	3.64%	3.70%	36 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 6 mos	3.64%	3.70%	6 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 24 mos	3.59%	3.65%	24 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 48 mos	3.59%	3.65%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 60 mos	3.59%	3.65%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 12 mos	3.54%	3.60%	12 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 18 mos	3.54%	3.60%	18 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 3 mos	3.54%	3.60%	3 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 30 mos	3.54%	3.60%	30 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 36 mos	3.54%	3.60%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 6 mos	3.54%	3.60%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 24 mos	3.49%	3.55%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 12 mos	3.45%	3.50%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 18 mos	3.45%	3.50%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Certificate of Deposit - 3 mos	3.45%	3.50%	3 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Savings Rates

Product	Rate	APY
Money Market Savings Account	-	2.00%
Details Up to 2.00% APY (highest tier); dividend rate and APY stated as of 10/1/2026; dividends compounded and credited monthly; $10.00 service fee if balance falls below $2,500 on one or more days in a statement cycle Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Regular Share Savings (Foundation for Membership)	-	0.45%
Min Balance $0 Details No minimum balance requirement; No fees; Unlimited deposits; Insured by NCUA up to $250,000; Can be used as collateral on a loan; APY stated as of 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 1, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Special Goal Savings	-	0.45%
Min Balance $0 Details Unlimited sub-accounts under member number; Earns the same dividend rate as Share Savings; No fees; No minimum balance; Unlimited deposits; Insured by NCUA up to $250,000; APY stated as of 10/1/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings Account	-	2.00%
Details Up to 2.00% APY (highest tier); dividend rate and APY stated as of 10/1/2026; dividends compounded and credited monthly; $10.00 service fee if balance falls below $2,500 on one or more days in a statement cycle Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Term Loans	-	-	5.74%	Up to 60 months
Details As Low As; Up to 90% LTV Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Fixed Rate Term Loans	-	-	6.24%	61 to 120 months
Details As Low As; Up to 90% LTV Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Fixed Rate Term Loans	-	-	6.49%	121 to 180 months
Details As Low As; Up to 90% LTV Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Fixed Rate Term Loans	-	-	6.74%	181 to 240 months
Details As Low As; Up to 90% LTV Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Fixed Rate Term Loans	-	-	7.99%	Up to 60 months
Details LTV band not specified in source; Rate based on 90% LTV & 60-month term for lowest rate Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 7.99% ▲ 2.25 pts · high 7.99% / low 5.74% Oct 13, 20267.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Fixed Rate Term Loans	-	-	8.49%	61 to 120 months
Details LTV band not specified in source Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 8.49% ▲ 2.25 pts · high 8.49% / low 6.24% Oct 13, 20268.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Fixed Rate Term Loans	-	-	8.99%	121 to 180 months
Details LTV band not specified in source Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 8.99% ▲ 2.50 pts · high 8.99% / low 6.49% Oct 13, 20268.99%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Home Equity Fixed Rate Term Loans	-	-	9.49%	181 to 240 months
Details LTV band not specified in source Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 9.49% ▲ 2.75 pts · high 9.49% / low 6.74% Oct 13, 20269.49%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans - 2022 and Newer Models	-	-	4.24%	up to 36 Months
Details As Low As; Daily Periodic Rate: 0.011616%; Model Year: 2022 and Newer (new or used) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loans - 2022 and Newer Models	-	-	4.99%	37 to 60 Months
Details As Low As; Daily Periodic Rate: 0.013671%; Model Year: 2022 and Newer (new or used) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loans - 2019 to 2021 Models	-	-	5.24%	up to 36 Months
Details As Low As; Model Year: 2019 to 2021; Daily Periodic Rate: 0.014356% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loans - 2019 to 2021 Models	-	-	5.49%	37 to 60 Months
Details As Low As; Model Year: 2019 to 2021; Daily Periodic Rate: 0.015041% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loans - 2022 and Newer Models	-	-	5.49%	61 to 72 Months
Details As Low As; Daily Periodic Rate: 0.015041%; Model Year: 2022 and Newer (new or used) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loans - 2024 and Newer Models	-	-	5.99%	73 to 84 months
Details As Low As; Model Year: 2024 and Newer; Daily Periodic Rate: 0.016411% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loan - 2018 and Older Models	-	-	7.99%	up to 36 Months
Details As Low As; Model Year: 2018 and Older; Daily Periodic Rate: 0.021890% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Adventure Sports Vehicle Loans - 2023 and Newer	-	-	8.24%	Up to 36 months
Details As Low As; Model Year: 2023 and Newer (new or used); Daily Periodic Rate: .022575% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Adventure Sports Vehicle Loans - 2019 to 2022 Models	-	-	8.74%	Up to 36 months
Details As Low As; Daily Periodic Rate: .023945%; Model years 2019 to 2022 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Adventure Sports Vehicle Loans - 2023 and Newer	-	-	8.99%	37 to 60 months
Details As Low As; Model Year: 2023 and Newer (new or used); Daily Periodic Rate: .024630% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Auto Loan - 2018 and Older Models	-	-	8.99%	37 to 60 Months
Details As Low As; Model Year: 2018 and Older; Daily Periodic Rate: 0.024630% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Adventure Sports Vehicle Loans - 2019 to 2022 Models	-	-	9.24%	37 to 48 months
Details As Low As; Daily Periodic Rate: .025315%; Model years 2019 to 2022 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans - 2023 and Newer Models	-	7.99%	Up to 36 months
Details As Low As; Daily Periodic Rate 0.021890%; New or used Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Motorcycle Loans - 2023 and Newer Models	-	7.99%	Up to 60 months
Details As Low As; Daily Periodic Rate: 0.021890% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Boat Loans - 2019 to 2022 Models	-	8.24%	Up to 36 months
Details As Low As; Daily Periodic Rate 0.022575%; Model year group per source layout Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Motorcycle Loans - 2023 and Newer Models	-	8.24%	61 to 72 months
Details As Low As; Daily Periodic Rate: 0.022575% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Boat Loans - 2019 to 2022 Models	-	8.49%	37 to 60 months
Details As Low As; Daily Periodic Rate 0.023260%; Model year group per source layout Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Boat Loans - 2023 and Newer Models	-	8.49%	37 to 60 months
Details As Low As; Daily Periodic Rate 0.023260%; New or used Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Motorcycle Loans - 2026 and Newer Models	-	8.74%	73 to 84 months
Details As Low As; Model Year: 2026 and Newer; Loan applies to new or used motorcycles; Daily Periodic Rate: 0.023945% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Boat Loans - 2023 and Newer Models	-	8.99%	61 to 72 months
Details As Low As; Daily Periodic Rate 0.024630%; New or used Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Boat Loans - 2026 and Newer Models	-	9.99%	73 to 84 months
Details As Low As; Daily Periodic Rate: 0.027370%; Lowest rates for qualified applicants with active UECU Checking Account (excluding Green Light Checking) and at least one transaction per month; New or used Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Boat Loans - 2026 and Newer Models	-	11.49%	85 to 96 months
Details As Low As; Daily Periodic Rate: 0.031479%; Lowest rates for qualified applicants with active UECU Checking Account (excluding Green Light Checking) and at least one transaction per month; New or used Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Boat Loans - 2026 and Newer Models	-	12.49%	97 to 120 months
Details As Low As; Daily Periodic Rate: 0.034219%; Lowest rates for qualified applicants with active UECU Checking Account (excluding Green Light Checking) and at least one transaction per month; New or used Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Power CardTM	-	8.75%
Details Published APR range: 8.75% to 18.00%. Daily Periodic Rate: .023973% to .049315%; APR is variable, based on WSJ Prime Rate plus or minus a margin; rate will not exceed 18%; rate quoted as of 10/1/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	9.45%
Details Variable rate based on WSJ Prime plus margin; maximum lifetime rate 18% APR; Daily Periodic Rate: 0.025890% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.20% → 9.45% ▲ 0.25 pts · high 9.45% / low 9.20% Oct 9, 20269.45%▲ from 9.20% Sep 14, 20269.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Personal / Signature Loan	9.99%	Up to 36 months
Details As Low As; Daily Periodic Rate 0.027370% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Personal / Signature Loan	10.99%	37 to 60 months
Details As Low As; Daily Periodic Rate 0.030110% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Utilities Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Travel Home Loans	-	-	9.49%	97 to 120 months
Details As Low As; Daily Periodic Rate 0.026000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2019 to 2022	-	-	8.99%	Up to 36 months
Details As Low As; Daily Periodic Rate 0.024630%; Model year group per source layout Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2019 to 2022	-	-	9.49%	37 to 60 months
Details As Low As; Daily Periodic Rate 0.026000%; Model year group per source layout Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2023 and Newer	-	-	8.49%	Up to 36 months
Details As Low As; Daily Periodic Rate 0.023260% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2023 and Newer	-	-	8.99%	37 to 60 months
Details As Low As; Daily Periodic Rate 0.024630% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2023 and Newer	-	-	9.49%	61 to 72 months
Details As Low As; Daily Periodic Rate 0.026000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2023 and Newer	-	-	9.74%	73 to 84 months
Details As Low As; Daily Periodic Rate 0.026685% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2026 and Newer	-	-	9.74%	85 to 96 months
Details As Low As; Model Year: 2026 and Newer; Daily Periodic Rate: 0.026685% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Work Equipment Loans - 2026 and Newer	-	-	9.99%	97 to 120 months
Details As Low As; Model Year: 2026 and Newer; Daily Periodic Rate: 0.027370% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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

Utilities Employees Credit Union’s Texas Ratio rose from 0.93% in Q3 2023 to 4.11% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$1.5B	4.11%	5.0	A+
March 31, 2026	$1.5B	3.38%	5.0	A+
December 31, 2025	$1.5B	3.54%	5.0	A+
September 30, 2025	$1.5B	3.55%	5.0	A+
June 30, 2025	$1.5B	1.37%	5.0	A+
March 31, 2025	$1.5B	1.16%	5.0	A+
December 31, 2024	$1.3B	1.62%	5.0	A+
September 30, 2024	$1.3B	1.31%	5.0	A+
June 30, 2024	$1.3B	1.61%	5.0	A+
March 31, 2024	$1.3B	0.94%	5.0	A+
December 31, 2023	$1.3B	1.05%	5.0	A+
September 30, 2023	$1.3B	0.93%	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 Utilities Employees 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 Utilities Employees 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 Utilities Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Utilities Employees Credit Union

Website https://www.uecu.org

Address 11 Meridian Blvd, Wyomissing, PA 19610

Phone 610-927-4000

Fax 610-927-4089

President Thomas O'Brien

CEO Bret Krevolin

Full-Time Employees 123

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

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

4.11%

Return on Assets (ROA)

0.2715%

Return on Equity (ROE)

1.7265%

Non-Performing Loans Ratio (NPL)

1.26%

Total Assets

1,508,239,932

Total Amount of Shares and Deposits

1,261,374,117

Total Shares and Deposits < 1 Year

1,184,820,186

Total Shares and Deposits 1 3 Years

61,681,354

Total Shares and Deposits > 3 Years

14,872,577

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

72,644,248

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

72,644,248

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

1,188,729,869

Total Interest Expense (Sum of items 6 8)

14,638,039

Share Certificates

10,319

Number of Accounts for Share Drafts

19,501

IRA KEOGH Accounts

3,225

Number of Accounts for Regular Shares

61,535

All other shares

374

Money Market Shares

6,585

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)

36,554,209

Total Liabilities

1,326,887,106

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Utilities Employees Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Utilities Employees Credit Union

How many branches does Utilities Employees Credit Union operate?

Utilities Employees 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 Utilities Employees Credit Union?

Yes, to access services at Utilities Employees 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, Utilities Employees 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, Utilities Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Utilities Employees Credit Union offer online and mobile banking?

Most modern institutions like Utilities Employees 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.uecu.org.

Current Utilities Employees Credit Union Rates

Savings2.00%

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

Compare to Other Credit Unions

Utilities Employees Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Utilities Employees Credit Union Texas Ratio

Utilities Employees Credit Union Health Trend

Utilities Employees Credit Union CD Rates

Utilities Employees Credit Union Savings Rates

Utilities Employees Credit Union Money Market Rates

Utilities Employees Credit Union Home Equity & HELOC

Utilities Employees Credit Union Auto Loan Rates

Utilities Employees Credit Union RV, Boat and Powersport Loan Rates

Utilities Employees Credit Union Credit Card Rates

Utilities Employees Credit Union Personal Loan Rates

Utilities Employees Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Utilities Employees Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Utilities Employees Credit Union

How many branches does Utilities Employees Credit Union operate?

Is a member application needed to join Utilities Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Utilities Employees Credit Union offer online and mobile banking?

Current Utilities Employees Credit Union Rates

Compare to Other Credit Unions