Savings Rates
Effective Date: Monday, October 3rd, 2022
AccountDividend RateAPY**
Regular Shares 0.05% 0.05%
Health Savings – $.01 and up 0.10% 0.10%
Holiday Club 0.50% 0.50%
Cumulative IRA 0.10% 0.10%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Money Market Rates
Effective Date: Monday, October 3rd, 2022
AccountDividend RateAPY**
Money Market – up to $1,999 0.05% 0.05%
Money Market – $2,000-$9,999 0.05% 0.05%
Money Market – $10,000-$24,999 0.10% 0.10%
Money Market – $25,000-$49,999 0.15% 0.15%
Money Market – $50,000 and up 0.20% 0.20%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Checking Accounts
Effective Date: Monday, October 3rd, 2022
AccountDividend RateAPY**
Premier U Share Draft 0.05% 0.05%
Premier U Plus Share Draft 0.05% 0.05%
U Rewards Share Draft 2.03% 2.05%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Certificate Rates $1,000-$9,999
Effective Date: Monday, October 3rd, 2022
TermDividend RateAPY**
3 months 0.449% 0.45%
6 months 0.599% 0.60%
12 months 1.492% 1.50%
18 months 1.541% 1.55%
23 Month Bump Rate Special*** ($500,000.00 MAX)**** 2.722% 2.75%
24 months 1.590% 1.60%
30 months 1.640% 1.65%
36 months 1.689% 1.70%
48 months 1.739% 1.75%
18 Month Educational IRA ($100 min. & $2,000 max.) 1.541% 1.55%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UT Federal Credit Union branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UT Federal Credit Union. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals.

****Annual Percentage Yield. Rate promotion begins on 08.17.2022 and can end at any time without notice. This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

Certificate Rates $10,000-$49,999
Effective Date: Monday, October 3rd, 2022
TermDividend RateAPY**
3 months 0.449% 0.45%
6 months 0.599% 0.60%
12 months 1.492% 1.50%
18 months 1.541% 1.55%
23 Month Bump Rate Special*** ($500,000.00 MAX)**** 2.722% 2.75%
24 months 1.590% 1.60%
30 months 1.640% 1.65%
36 months 1.689% 1.70%
48 months 1.739% 1.75%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UT Federal Credit Union branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UT Federal Credit Union. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals.

****Annual Percentage Yield. Rate promotion begins on 08.17.2022 and can end at any time without notice. This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

Certificate Rates $50,000 and over
Effective Date: Monday, October 3rd, 2022
TermDividend RateAPY**
3 months 0.449% 0.45%
6 months 0.599% 0.60%
12 months 1.492% 1.50%
18 months 1.541% 1.55%
23 Month Bump Rate Special*** ($500,000.00 MAX)**** 2.722% 2.75%
24 months 1.590% 1.60%
30 months 1.640% 1.65%
36 months 1.689% 1.70%
48 months 1.739% 1.75%

*All certificates (with the exception of Educational IRA’s) require a $1,000 minimum. There may be a loss of accrued dividends if there is an early withdrawal of funds.

**APY = Annual Percentage Yield.

***Certificates with a Bump Up Feature have the option to make a one-time dividend rate adjustment during the initial term of the certificate. The request to adjust the dividend rate is limited to the rate in effect for the same term certificate at the time of your request. If an equal term is no longer offered, the request to adjust your dividend rate will be limited to the rate in effect for the term closest to the term of the current certificate. Such requests must be made in writing by completing the “Bump Up Certificate Request” form available at any UT Federal Credit Union branch location. The new dividend rate will be paid for the remainder of the term of the certificate and will not extend the original maturity date of the certificate. Dividend rates are not tied to any index and are established at the discretion of UT Federal Credit Union. The bump up can only be done during the initial term of the certificate and is not available in subsequent automatic renewals.

****Annual Percentage Yield. Rate promotion begins on 08.17.2022 and can end at any time without notice. This 23-month certificate has a $1,000.00 minimum and a $500,000.00 maximum. Early withdrawal penalties may apply. Contact UTFCU for more information or refer to your account disclosure for term, early withdrawal penalty, and maturity information. Federally insured by NCUA.

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