Credit union · NCUA insured
United Teletech Financial
A $329.8M credit union headquartered in Tinton Falls, NJ, with 17,702 members and 6 branches in New Jersey. Best rates: CDs 4.35% and savings 1.60% APY.
United Teletech Financial Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#62 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Teletech Financial
United Teletech Financial is a federal credit union serving Central New Jersey, with public branches in Monmouth and Middlesex County.
- Headquarters
- 205 Hance Ave, Tinton Falls, NJ 07724
- NCUA charter
- 18195
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals living in New Jersey, New York, Pennsylvania, or Delaware are eligible for membership via inclusion in the New Jersey Consumer Council (NJCC), with UTF paying the cost for Individual Lifetime Membership.
Employers and groups
- Employees and volunteers of Select Employer Groups (SEGs) or affiliated associations are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Cost to join
- A $5 share deposit is required to join and open a share account, which must be maintained with at least $5 and used once a year to keep membership.
Branches
6 branches in New Jersey
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New Jersey
6 branches
- Hance AveMain office205 Hance Ave, Tinton Falls, NJ 07724Directions
- Hazlet600 NJ-36, Hazlet, NJ 07730Directions
- Middletown200 Laurel Ave, Middletown, NJ 07748Directions
- Marlboro67 US-9, Ste 4, Morganville, NJ 07751Directions
- Neptune3636 State Route 33, Neptune, NJ 07753Directions
- North Brunswick2201 US-1, Ste 119, North Brunswick, NJ 08902Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.00% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.84% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.24% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio9.00%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.84%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.24%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Teletech Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.