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.

Why Do Relationship Rates Matter?

Let's say you're opening a Certificate to earn a fixed return on your savings. If the standard rate is 4.10% APY*, a Relationship Rate might boost that it 4.35% APY*—just for using your UTFCU checking account and debit card regularly.

Over the term of your Certificate, that 0.25% bump could translate to more earnings—and it didn't cost you anything extra.

The same applies to loans. If you're financing a car or consolidating debt, Relationship Rates can reduce your interest cost, saving you money over the life of the loan.

How to Qualify for Relationship Rates

Qualifying is easy—and you might already be doing it!

Here's what we typically look for:

• UTFCU Checking Account
• UTFCU Debit Card Usage

By having a checking account and using your debit card for everyday spending, you're showing that UTFCU is your primary financial institution. That's all it takes to unlock Relationship Rates.

Already have those in place? Great—you could already be eligible for better rates!

Relationship Rate Products You Can Take Advantage Of

Here's where you can really see the benefits:

Certificates

• Our 7- and 14-month Share Certificates offer a competitive return, but members with a qualifying relationship can earn even more on their savings. If you're looking for short-term savings with guaranteed growth, a Certificate at the Relationship Rate can be a smart addition to your financial plan.

Auto Loans

• Buying a new or used vehicle? When you qualify, you could finance at a lower interest rate, reducing your total repayment over time.

Recreational Vehicle Loans

• Whether it's a boat, RV, or motorcycle, we offer Relationship Rates to help make your next adventure more affordable.

Relationship Banking, Simplified

We know managing your accounts should be easy—and our Digital Banking tools make it simple to stay connected to your UTFCU relationship.

• Direct Deposit: Easily set it up through your employer or government benefits provider.
• Debit Card: Make everyday purchases, manage your spending in our app, and track transactions in real time.
• Account Monitoring: Use Digital Banking to monitor your checking activity and ensure you're meeting the qualifications for Relationship Rates.

Everything is designed to fit your lifestyle while maximizing your financial benefits.

Real-World Example

Here's a quick example of how the Relationship Rate works in your favor:

Let's say you open a 14-month Certificate with $10,000.

• At 4.10% APY*: You'd earn approximately $480.47 over 14 months.
• At 4.35% APY*: You'd earn approximately $510.49 over 14 months.

That's more money in your pocket—just for using the checking account and debit card you already rely on.

Why UTFCU Members Love Relationship Rates

"I didn't even realize I qualified for the higher rate until the branch manager told me. I was already using my UTFCU checking account and debit card, so getting more interest on my certificate was a nice surprise!"

- UTFCU Member

"We refinanced our auto loan and saved a ton in interest thanks to the Relationship Rate. Super easy process."

- UTFCU Member

Ready to Take Advantage of Relationship Rates?

If you're already using your UTFCU checking account and debit card actively—congratulations! You're well on your way to earning more and paying less.

If you're not quite there yet, we'd love to help you get started. Stop by a branch, give us a call, or log into Digital Banking to open a checking account. Your better rate is waiting!

Open Checking Account  View Relationship Rates

Disclosure: 

APY=Annual Percentage Yield. APR=Annual Percentage Rate. Rates listed above are displayed as an example. Rates are subject to change and may vary based on creditworthiness and product type. Terms and conditions apply. Contant UTFCU for full details on current rates and full details on qualifications for Relationship Rates.