United Teletech Middletown NJ Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United Teletech Financial, your trusted partner in financial well-being, located at 200 S Laurel Ave, Middletown, NJ 07748. Established in 1967, our credit union has proudly served our community for over five decades, fostering a spirit of cooperation and support among our 18,718 members. At United Teletech Financial, we believe in empowering our members with the resources they need to achieve their financial goals. With total assets of $332,435,549 and deposits amounting to $2,917,860, we are committed to providing exceptional service and competitive products that cater to your needs. Whether you're looking for personal banking solutions like checking and savings accounts or more specialized services such as auto loans and business financing, we've got you covered. Our dedicated team of 63 employees, led by CEO Leo Ardine and Board President Michael Hou, is here to ensure you receive personalized attention every step of the way. We understand that your financial journey is unique, and we strive to offer tailored solutions that fit your lifestyle. While members can visit us at our branch for in-person assistance, official correspondence should be directed to our mailing address: 200 S Laurel Ave, MIDDLETOWN, NJ 7748. Feel free to reach out at 732-530-8100 or send us a fax at 732-530-2027 during our lobby hours from 8:30 AM to 4:30 PM on weekdays. Explore how United Teletech Financial can enhance your financial journey today. Visit us online at utfinancial.org or stop by our branch we're excited to help you thrive!

Branch History & Mission

Join Us!

As we continue this journey together, we invite you to be part of the United Teletech Financial family. Whether you're looking for personal banking options or seeking business solutions, we are here to help you achieve your goals while contributing positively to our community's growth. Come visit us today and discover how United Teletech Financial can make a difference in your life!

Mission Statement: Empowering Our Community

Our mission at United Teletech Financial is straightforward yet impactful: to empower individuals and families by providing personalized financial solutions while fostering community growth. We believe in supporting not only your financial aspirations be it through checking accounts, auto loans, or mortgage refinancing but also local initiatives that strengthen our community ties. We actively engage in partnerships with local organizations and partake in outreach efforts that benefit various causes throughout Middletown and beyond. These collaborations enable us to give back meaningfully while helping to build a brighter future for all residents. While members can visit us at 200 S Laurel Ave for their banking needs during our lobby hours from 8:30 AM to 4:30 PM on weekdays, we encourage communication through our dedicated phone line at 732-530-8100 for any inquiries or assistance.

Our Legacy and Growth

Since our inception, we've made significant strides in providing financial services that cater to the diverse needs of our members. With total assets now exceeding $332 million, we stand strong with a commitment to offer competitive rates and exceptional service. Our journey reflects our dedication to adapting and evolving with the times while maintaining our core values of integrity and community focus. Throughout our history, we have embraced technology to enhance member experiences. We proudly offer modern conveniences such as online banking and mobile payments, ensuring that managing finances is simple and accessible for everyone. Our commitment to accessibility is also evident through ADA compliance initiatives at our branch.

Branch Location & Accessibility

Accessibility Features

Our branch is fully accessible, featuring ADA-compliant ramps and parking options to ensure everyone can visit us comfortably. You'll find plenty of parking available right outside our entrance, making it simple for you to drop by.

Operating Hours

We are here for you Monday through Friday from 8:30 AM to 4:30 PM. Whether you need to open an account, apply for a loan, or ask about our services, our friendly staff is ready to assist you during these hours.

Services Offered

At United Teletech Financial, we offer a wide range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, with ATM availability on-site, accessing cash is quick and hassle-free. Though we don't have drive-thru banking at this location, we're excited to offer shared service center transactions for members of partner credit unions. Don't hesitate to reach out! Call us at 732-530-8100 if you have questions or need assistance. We look forward to welcoming you into our community at United Teletech Financial!

Member Eligibility

At United Teletech Financial, we believe that banking should feel like a community, and we're excited to welcome you as a member! If you're looking to join us, you'll be happy to know that our membership is open to anyone who lives, works, worships, or attends school in Monmouth County. This means that if you're part of our vibrant local community, you can easily become a member and enjoy all the benefits we offer. From personalized financial advice to competitive loan rates and attractive savings options, being a part of United Teletech Financial means having access to resources that truly care about your financial well-being. Getting started is simple! Just visit us at our convenient location at 200 S Laurel Ave Middletown Nj 07748 or give us a call at (732) 530-8100 for more information on how to open an account. You can also check out the detailed eligibility criteria on our website. We can't wait for you to join our family and start enjoying everything that comes with being a member of United Teletech Financial!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

In today's world, smooth transactions are crucial for success. Our merchant services allow businesses like yours to accept payments effortlessly. Picture a bustling retail shop where customers can pay using their preferred method whether it's credit cards, mobile payments, or cash. Our services ensure you can focus on what you do best: running your business. Located at 200 S Laurel Ave Middletown Nj 07748 in Middletown, NJ, we're here to partner with you every step of the way. Contact us today at (732) 530-8100 to learn more about how we can support your business journey!

Supporting Your Business Dreams

Imagine a local café that dreams of expanding its menu and adding outdoor seating. With our help, that dream can become a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $54 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $45 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $17,244,190, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a hurry? With our ATM services available at various locations, accessing your funds is quick and easy. Plus, we ensure basic shared branch transactions like deposits and withdrawals are hassle-free for members of partner credit unions. At United Teletech Financial, we pride ourselves on being more than just a financial institution; we're a community partner dedicated to helping you achieve financial success. For more information about any of our services or to speak with one of our representatives, please visit us at 200 S Laurel Ave Middletown Nj 07748 or call us at (732) 530-8100 today!

Auto Loans & Vehicle Financing

Thinking about getting a new vehicle? We offer competitive auto loans and vehicle financing options that can help you drive away in the car of your dreams. Our friendly staff will guide you through the process, ensuring you find the best rates and terms that suit your budget.

Business Banking

For our local entrepreneurs and business owners, we offer specialized business banking services including merchant services and business loans. Whether you need capital to start a new venture or tools to streamline operations, we've got solutions tailored just for you.

Credit Cards with Rewards

Enjoy shopping? Our credit cards come with rewards that let you earn points on every purchase. Use them wisely, and watch your rewards grow! We ensure our cardholders benefit from low rates and flexible payment options.

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're looking to refinance your current mortgage, we have various mortgage loan options available. Our team is here to assist you with everything from first-time homebuyer programs to refinancing solutions that can save you money.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why United Teletech Financial provides robust online and mobile banking features. You can easily check your balances, transfer funds, pay bills, and deposit checks right from your smartphone or computer anytime, anywhere!

Personal Banking

We understand that every member has unique financial goals. That's why our personal banking services include checking and savings accounts designed to help you manage your money effectively. Whether you're saving for a vacation or planning for retirement, our accounts offer features that fit your lifestyle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation services to help you manage those costs effectively. Whether it's for medical bills, home repairs, or consolidating high-interest debt, we're here to support you every step of the way.

Digital & Online Banking

E-Statements for Easy Management

Say goodbye to paper clutter! With our e-statements feature, you can view your statements electronically anytime. It's not just about convenience; it also helps keep your financial information secure and organized.

Mobile Convenience

Our mobile application puts banking right in your pocket. Need to make a purchase? Use our mobile payments feature for quick and easy transactions wherever you are. You can also send money to friends and family instantly with our person-to-person transfer service. Managing your accounts has never been more straightforward! At United Teletech Financial, we prioritize your safety. Our online banking services come with top-notch security features to ensure that your personal information remains protected at all times. In short, whether you're checking balances, making payments, or transferring money, our digital banking services help you manage your finances efficiently and securely. Join us at United Teletech Financial today and experience the ease of modern banking!

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 36,016, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further emphasizing our capacity to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Teletech Financial is your trusted partner. Visit us at 200 S Laurel Ave Middletown Nj 07748 or call (732) 530-8100 to learn more about how we can help you achieve your financial goals.

Investing in Our Future

With $27,442,403 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $1,898 in used auto loans and $245,706,971 in total loans and leases, supporting members' financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $42,734,475 in share certificates and $50,572,051 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $14,108,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $159,030 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 62 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $28,527,858, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.58% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

At United Teletech Financial, we understand that every member has unique financial needs. That's why we offer a variety of loan products designed to help you achieve your goals, whether you're looking to buy a new car, purchase a home, or manage your finances with credit cards. With over 9508 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly appealing for those looking to hit the road. We offer some of the lowest rates in the industry, with over $37,951,796 in total auto loans already helping members drive away in their dream vehicles. If you're considering a new car, our financing options for new and used vehicles make it easier than ever. We currently have $21,222,910 allocated for new vehicle loans and $37,151,266 for used vehicle loans. Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $110,052,739, we're ready to support you on your journey toward owning a home. For business owners out there, we haven't forgotten about you! Our outstanding commercial loans total $17,244,190, providing the capital needed for growth and expansion in your business ventures. Additionally, we also offer flexible terms on unsecured credit card loans. With a total of $3,549,156 in unsecured credit card loans available, our products help members manage their finances effectively. We believe in making borrowing straightforward and accessible. If you're interested in refinancing options or would like to learn more about eligibility criteria for any of our loan products, don't hesitate to reach out to us at 732-530-8100. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us at our branch located at 200 S Laurel Ave, Middletown, NJ 07748. Let's work together to find the right loan product that fits your lifestyle and financial situation!

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UNITED TELETECH FINANCIAL FEDERAL CREDIT UNION - Middletown, NJ

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