Understanding Relationship Rates: How to Maximize Your Earnings with UTFCU

When it comes to managing your money, the little things can make a big difference, especially when they lead to better rates on the financial products you already use. At UT Federal Credit Union, we believe in rewarding the members who choose to make us part of their financial journey. That's why we offer Relationship Rates, giving you the opportunity to maximize your savings and minimize your loan costs simply by maintaining an active relationship with us.

Whether you're looking to grow your savings or borrow smart, understanding how Relationship Rates work—and how to qualify—can help you make the most of your money.

What Are Relationship Rates?

Relationship Rates are special, member-only rates offered on select products when you have an established, active relationship with UTFCU. These rates are often higher on deposit products (like Certificates) and lower on loan products (like Auto Loans, Personal Loans, and more), giving you more value without extra effort.

Think of it as our way of saying thank you for choosing UTFCU as your financial partner.