Credit union · NCUA insured
United Teletech Financial CD Rates
United Teletech Financial’s best CD rate is 4.35% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How United Teletech Financial’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where United Teletech Financial has the most branches. $10,000, best rate first.
This credit union’s best
United Teletech Financial
4.35%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $547
4.35% APY Certificate Special for 15 Months - $10,000 New Money Promotion
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
United Teletech Financial CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where United Teletech Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
4.35% APY Certificate Special for 15 Months - $10,000 New Money Promotion
4.35%APY · 1 term
Minimum opening deposit of $10,000 in new money is required and must be maintained throughout the term of the certificate. 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 15-month term is 12 months. Penalty imposed for early withdrawal is 180 days interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsRequires $10,000 minimum opening deposit in new money maintained throughout the term. Penalty for early withdrawal is 180 days interest. Renews into a 12-month term | 4.35% | $547 |
Sources (1)
- utfinancial.org/rates · captured Oct 4, 2026
4.10% APY Certificate Special for 9 Months - $10,000 New Money Promotion
4.10%APY · 1 term
Minimum opening deposit of $10,000 in new money is required and must be maintained throughout the term of the certificate. 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 9-month term is 6 months. Penalty imposed for early withdrawal is 90 days interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRequires $10,000 minimum opening deposit in new money maintained throughout the term. Penalty for early withdrawal is 90 days interest. Renews into a 6-month term | 4.10% | $306 |
Sources (1)
- utfinancial.org/rates · captured Oct 4, 2026
Term Share Certificate Accounts
Up to 3.00%APY · 8 terms
Fixed rate share certificate. Minimum opening deposit $500.00. Dividends compounded monthly and credited monthly.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3–5 months | — | 0.10% | 0.10% | 0.10% | 0.10% | —0.10% $25k–$50k0.10% $50k–$75k0.10% $75k–$100k0.10% from $100k | — |
| 3–5 monthsBalance tier: $500–$24,999.99 | 0.10% | — | — | — | — | 0.10% | $2 |
| 6–11 months | — | 0.10% | 0.10% | 0.10% | 0.10% | —0.10% $25k–$50k0.10% $50k–$75k0.10% $75k–$100k0.10% from $100k | — |
| 6–11 monthsBalance tier: $500–$24,999.99 | 0.10% | — | — | — | — | 0.10% | $5 |
| 12–17 months | 1.00% | 1.00% | 1.00% | 1.50% | 2.00% | 1.00%1.00% $25k–$50k1.00% $50k–$75k1.50% $75k–$100k2.00% from $100k | $100 |
| 18–23 months | 1.25% | 1.25% | 1.25% | 1.75% | 2.25% | 1.25%1.25% $25k–$50k1.25% $50k–$75k1.75% $75k–$100k2.25% from $100k | $188 |
| 24–35 months | 1.50% | 1.75% | 1.75% | 2.00% | 2.50% | 1.50%1.75% $25k–$50k1.75% $50k–$75k2.00% $75k–$100k2.50% from $100k | $302 |
| 36–47 months | 2.00% | 2.00% | 2.00% | 2.50% | 3.00% | 2.00%2.00% $25k–$50k2.00% $50k–$75k2.50% $75k–$100k3.00% from $100k | $612 |
| 48–59 months | 2.25% | 2.50% | 2.50% | 3.00% | 3.25% | 2.25%2.50% $25k–$50k2.50% $50k–$75k3.00% $75k–$100k3.25% from $100k | $931 |
| 60 months | 3.00% | 3.25% | 3.25% | 3.25% | 3.50% | 3.00%3.25% $25k–$50k3.25% $50k–$75k3.25% $75k–$100k3.50% from $100k | $1,593 |
One more rate on its site comes from an older rate sheet (2017) and isn’t shown as current.
Sources (1)
- utfinancial.org/rates · captured Oct 4, 2026
Special-purpose accounts
IRA Certificate Accounts
Up to 3.00%APY · 8 terms
Dividends compounded monthly and credited monthly. Additional deposits not allowed. Early withdrawal not allowed until maturity date, subject to early withdrawal penalty exceptions. Automatically renewable.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3–5 months | — | 0.10% | 0.10% | 0.10% | 0.10% | —0.10% $25k–$50k0.10% $50k–$75k0.10% $75k–$100k0.10% from $100k | — |
| 3–5 monthsBalance tier: $500–$24,999.99 | 0.10% | — | — | — | — | 0.10% | $2 |
| 6–11 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $25k–$50k0.10% $50k–$75k0.10% $75k–$100k0.10% from $100k | $5 |
| 12–17 months | 1.00% | 1.00% | 1.00% | 1.50% | 2.00% | 1.00%1.00% $25k–$50k1.00% $50k–$75k1.50% $75k–$100k2.00% from $100k | $100 |
| 18–23 months | 1.25% | 1.25% | 1.25% | 1.75% | 2.25% | 1.25%1.25% $25k–$50k1.25% $50k–$75k1.75% $75k–$100k2.25% from $100k | $188 |
| 24–35 months | 1.50% | 1.75% | 1.75% | 2.00% | 2.50% | 1.50%1.75% $25k–$50k1.75% $50k–$75k2.00% $75k–$100k2.50% from $100k | $302 |
| 36–47 months | 2.00% | 2.00% | 2.00% | 2.50% | 3.00% | 2.00%2.00% $25k–$50k2.00% $50k–$75k2.50% $75k–$100k3.00% from $100k | $612 |
| 48–59 months | 2.25% | 2.50% | 2.50% | 3.00% | 3.25% | 2.25%2.50% $25k–$50k2.50% $50k–$75k3.00% $75k–$100k3.25% from $100k | $931 |
| 60 months | 3.00% | 3.25% | 3.25% | 3.25% | 3.50% | 3.00%3.25% $25k–$50k3.25% $50k–$75k3.25% $75k–$100k3.50% from $100k | $1,593 |
Sources (2)
All captured Oct 4, 2026
Who can join United Teletech Financial
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.
Membership information collected October 5, 2026.