U. T. rates: up to 5.00% APY
credit union · NCUA CHARTER 19448 · www.utfcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Cumulative IRA | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Health Savings – $.01 and up | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| High-Yield Savings | U Earn Savings*** - $250,000 and over | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Holiday Club | 0.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | Regular Shares | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | U Save Round-Up*** | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| U Earn Savings | 2.75% | APY | 2026-11-01 | since 2026-11-01 | ||
| Youth Shares | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Youth Shares- up | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 Months | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 Months | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 7-Month CD | 7 Months ($5,000 MIN; $500,000 MAX) | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Relationship Certificate | 7 Month Relationship Special (See disclosure for qualifying conditions.) | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month Add-On ($100 MIN) | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Months | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 14-Month CD | 14 Months ($5,000 MIN; $500,000 MAX) | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Relationship Certificate | 14 Month Relationship Special (See disclosure for qualifying conditions.) | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Educational IRA | $100 min. & $2,000 max. · 18 months | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Months | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| 23-Month CD | 23 Month Bump Rate Special ($1,000 MIN; $500,000 MAX) | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Months | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 30-Month CD | 30 Months | 1.65% | APY | 2026-11-01 | since 2026-11-01 | |
| 35-Month CD | 35 Months ($5,000 MIN, $500,000 MAX) | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Relationship Certificate | 35 Month Relationship Special (See disclosure for qualifying conditions.) | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Months | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Months | 1.75% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Money Market Account | Money Market – $50,000 and up | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market – up | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| U Rewards Share Draft - on remaining balance | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| U Rewards Share Draft - up | 3.25% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.utfcu.org/personal/rates | 2026-11-02 03:15 UTC | ok | 060c1e165845 |
| www.utfcu.org/rates | 2026-11-02 03:15 UTC | ok | 5e0a7f692f39 |
| www.utfcu.org/personal/rates/deposit-rates | 2026-11-02 03:15 UTC | ok | 4a817b0b7b11 |