Credit union · NCUA insured
United Teletech Financial Credit Card Rates
United Teletech Financial credit card rates start at 10.40% APR. Rates checked October 22, 2026.
How United Teletech Financial’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where United Teletech Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Teletech Financial
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum MasterCard
Membership eligibility required. Membership deposit of $5.00 is required at all times in primary share savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for a period of six billing cycles on transactions posted during the first six months following issuance of card. Offer not available for existing card holders. |
| Ongoing | 10.40%–16.90% | None | Based on creditworthiness. Variable APR based on Prime Rate. |
2 more rates on its site come from an older rate sheet (2022) and aren’t shown as current.
Sources (2)
All captured Oct 22, 2026
Platinum Rewards MasterCard
Membership eligibility required. Membership deposit of $5.00 is required at all times in primary share savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for a period of six billing cycles on transactions posted during the first six months following issuance of card. Offer not available for existing card holders. |
| Ongoing | 12.40%–18.00% | None | Based on creditworthiness. Variable APR based on Prime Rate. |
One more rate on its site comes from an older rate sheet (2022) and isn’t shown as current.
Sources (2)
All captured Oct 22, 2026
Secured MasterCard
Establish or rebuild your credit. Use your personal funds at United Teletech Financial to secure your card. Membership eligibility required. Membership deposit of $5.00 is required at all times in primary share savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR on Balance Transfers (6 months). No balance transfer fees. |
No ongoing APR is published for this card, only the rate above.
One more rate on its site comes from an older rate sheet (2022) and isn’t shown as current.
Sources (1)
- utfinancial.org/save-spend/credit-cards/student · captured Oct 22, 2026
Student MasterCard
Must be enrolled in a 2 or 4 year educational institution. Membership eligibility required. Membership deposit of $5.00 is required at all times in primary share savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR on Balance Transfers (6 months). No balance transfer fees. |
No ongoing APR is published for this card, only the rate above.
One more rate on its site comes from an older rate sheet (2022) and isn’t shown as current.
Sources (1)
- utfinancial.org/save-spend/credit-cards/student · captured Oct 22, 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.