Union Building Trades Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ubtfcu.org

800-848-2438

205 Cherry Hill Rd
Parsippany, NJ 07054

Union Building Trades Federal Credit Union is headquartered in Parsippany and is the 35^th largest credit union in the state of New Jersey. It is also the 1,991^st largest credit union in the nation. It was established in 1973 and as of March of 2025, it had grown to 15 employees and 24,784 members at 2 locations. Union Building Trades Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to members of several local trade unions and their family.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Union Building Trades Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	21244
Year Chartered	1973
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.14%
Return on Equity - YTD	-1.05%
Annual Interest Income	$871K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$83.8MM$85.9MM
Loans	Q1 2025vs Q1 2024	$35.5MM$37.3MM
Deposits	Q1 2025vs Q1 2024	$70.8MM$73.1MM
Equity Capital	Q1 2025vs Q1 2024	$10.8MM$10.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$426K$443K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$569K$671K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Union Building Trades Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Primary Savings

Union Building Trades Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → $0 - $2.5k \| 0.10% → $2.5k - $15k \| 0.15% → $15k - $30k \| 0.20% → $30k - $50k \| 0.25% → $50k - $100k

Union Building Trades Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%	$1k	-	60 Month Time Deposit
0.45%	$1k	-	30 Month Time Deposit
0.40%	$1k	-	24 Month Time Deposit
0.30%	$1k	-	12 Month Time Deposit
0.25%	$1k	-	6 Month Time Deposit
0.25%	$1k	-	12 Month Easy Access Time Deposit
0.20%	$1k	-	3 Month Time Deposit

Union Building Trades Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%	$1k	-	60 Month IRA Time Deposit
0.45%	$1k	-	30 Month IRA Time Deposit
0.40%	$1k	-	24 Month IRA Time Deposit
0.30%	$1k	-	12 Month IRA Time Deposit

Locations

Union Building Trades Federal Credit Union Locations
Branch Office	205 Cherry Hill Rd	Parsippany, NJ 07054
Branch Office	814 W Basin Rd	New Castle, DE 19720

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