Credit union · NCUA insured
United Teletech Financial Savings Rates
United Teletech Financial’s best savings rate is 1.60% APY on $10,000, with its United Money Market. Rates checked October 22, 2026.
How United Teletech Financial’s savings 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
1.60%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $160
United Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
United Teletech Financial savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.60%
- $100,000 balance$100,0003.15%
- QualifiedQualified1.60%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ultra Money Market
0.25%APY
Federally insured by NCUA up to $250,000. Balance up to $1,000,000 eligible for promotional APY. Minimum balance of $1,000 to avoid a service fee. No more than 6 electronic preauthorized, automatic, or telephone transfers per month. Must maintain membership share ($5.00).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000 | 0.25% | $25 | |
| $50,000 and upRequires minimum account funding of $50,000 in new money not currently on deposit with UTF to earn promotional rate. Balances up to $1,000,000 eligible for promotional APY. | 3.15% | — | Requires minimum account funding of $50,000 in new money not currently on deposit with UTF to earn promotional rate. Balances up to $1,000,000 eligible for promotional APY. |
Sources (3)
All captured Oct 15, 2026
United Money Market
1.60%APY
Federally insured by NCUA up to $250,000. Balances up to $9,999,999 eligible for promotional APY. Minimum balance of $1,000 to avoid a service fee. No more than 6 transfers and withdrawals per month. Must maintain membership share ($5.00).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 0.25% | — |
| $10,000 – $24,999 | 1.60% | $160 |
| $25,000 – $9,999,999 | 2.20% | — |
Sources (2)
All captured Oct 15, 2026
Estate Money Market
0.10%APY
Minimum balance of $1,000 to avoid a service fee and earn stated APY. Maximum 6 electronic preauthorized, automatic, or telephone transfers per month. Must maintain membership share ($5.00).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
U-Win
0.00%APY
Must be a New Jersey resident at account opening and during savings period. At least one account holder must be 18 years of age or older, or an individual minor with parent/guardian permission. Limited to 2 withdrawals per 12-month period with early withdrawal penalties ($10 for first, $25 for second); 3rd withdrawal closes account.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $1,500Earns 0.75% APY on all balances under $1,500. · $5 to open | 0.75% | $5 | — | Earns 0.75% APY on all balances under $1,500. |
| Up to $1,500Unknown to open | 0.25% | Unknown | — | |
| $1,500 and upUnknown to open | 0.00% | Unknown | $0 |
Kids Club Savings Account
0.10%APY
For any child 12 years old or younger. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.50% | — |
| Over $2,500 | 0.10% | $10 |
U-Savers Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.50% | — |
| Over $5,000 | 0.10% | $10 |
Sources (3)
- utfinancial.org/files/UT_TruthinSavings_1225.pdf
- utfinancial.org/rates
- utfinancial.org/save-spend/savings
All captured Oct 4, 2026
IRA Savings Accounts
0.15%APY
Includes IRA Savings, Roth IRA, Coverdell Educational Savings Account, and Conduit IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.15% | $15 |
Sources (4)
- utfinancial.org/files/UT_TruthinSavings_1225.pdf
- utfinancial.org/save-spend/iras
- utfinancial.org/rates
- utfinancial.org/save-spend/savings
All captured Oct 4, 2026
Holiday Club Savings Account
0.10%APY
Entire balance transferred to main Share Savings account on or after October 1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Vacation Club Savings Account
0.10%APY
Entire balance transferred to main Share Savings account on or after April 1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Consumer and Business Savings Account (Main Share)
0.05%APY
Consumer and Business Savings Account (Main Share). Par value of one share is $5.00. Balances below $250.00 earn 0.00% APY. Once a balance range is met, the rate applies to the full balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250 | 0.00% | — |
| $250 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
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.