--- title: "Utilities Employees Credit Union Rates: Auto 4.24%, Personal 9.99%" description: "Utilities Employees Credit Union rates today: auto loans from 4.24% APR, personal loans from 9.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Utilities Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/utilities-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Utilities Employees Credit Union Rates: Auto 4.24%, Personal 9.99% ### Auto & vehicle rates 22 offers | Product | Published | Rate | Term / condition | Status | | **2022 and Newer Models (new or used) (up to 36 Months)** auto_any_36mo | 4.240% APR | 4.240% | 36 mo · any | Standard | | **2022 and Newer Models (new or used) (37 to 60 Months)** auto_any_60mo | 4.990% APR | 4.990% | 60 mo · any | Standard | | **2022 and Newer Models (new or used) (61 to 72 Months)** auto_any_72mo | 5.490% APR | 5.490% | 72 mo · any | Standard | | **2023 and Newer Models (new or used) (Up to 36 months)** auto_any_36mo | 7.490% APR | 7.490% | 36 mo · any | Standard | | **2023 and Newer Models (new or used) (37 to 60 months)** auto_any_60mo | 7.990% APR | 7.990% | 60 mo · any | Standard | | **2023 and Newer (new or used) (Up to 36 months)** auto_any_36mo | 8.240% APR | 8.240% | 36 mo · any | Standard | | **2023 and Newer Models (new or used) (61 to 72 months)** auto_any_72mo | 8.490% APR | 8.490% | 72 mo · any | Standard | | **Up to 36-Month Auto Loan (2023 and Newer)** auto_any_36mo | 8.490% APR | 8.490% | 36 mo | Standard | | **2026 and Newer Models (73 to 84 months)** auto_any_84mo | 8.740% APR | 8.740% | 84 mo | Standard | | **2023 and Newer Models (new or used) (73 to 84 months)** auto_any_84mo | 8.740% APR | 8.740% | 84 mo · any | Standard | | **2023 and Newer (new or used) (37 to 60 months)** auto_any_60mo | 8.990% APR | 8.990% | 60 mo · any | Standard | | **2023 and Newer (37 to 60 months)** auto_any_60mo | 8.990% APR | 8.990% | 60 mo | Standard | | **Up to 36-Month Auto Loan (2026 and Newer)** auto_any_36mo | — APR | 8.990% | 36 mo | Standard | | **2026 and Newer Models (new or used) (85 to 96 months)** auto_any_96mo | 8.990% APR | 8.990% | 96 mo · any | Standard | | **2023 and Newer (61 to 72 months)** auto_any_72mo | 9.490% APR | 9.490% | 72 mo | Standard | | **2026 and Newer (37 to 60 months)** auto_any_60mo | — APR | 9.490% | 60 mo | Standard | | **2026 and Newer Models (new or used) (97 to 120 months)** auto_any_120mo | 9.490% APR | 9.490% | 120 mo · any | Standard | | **2023 and Newer (73 to 84 months)** auto_any_84mo | 9.740% APR | 9.740% | 84 mo | Standard | | **2026 and Newer (85 to 96 months)** auto_any_96mo | 9.740% APR | 9.740% | 96 mo | Standard | | **2026 and Newer (97 to 120 months)** auto_any_120mo | 9.990% APR | 9.990% | 120 mo | Standard | | **2026 and Newer Models (85 to 96 months)** auto_any_96mo | 11.490% APR | 11.490% | 96 mo | Standard | | **2026 and Newer Models (97 to 120 months)** auto_any_120mo | 12.490% APR | 12.490% | 120 mo | Standard | Utilities Employees Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal / Signature Loan (Up to 36 months)** personal_unsecured_36mo | 9.990% APR | 9.990% | 36 mo | Standard | | **Personal / Signature Loan (37 to 60 months)** personal_unsecured_60mo | 10.990% APR | 10.990% | 60 mo | Standard | Utilities Employees Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured Visa Power Card™** credit_card_secured | 7.000% APR | 7.000% | — | Standard | | **Visa® Power Card™** credit_card | 8.750% APR | 8.750% | — | Standard | Utilities Employees Credit Union credit card rates as of November 13, 2026 ### Other rates 14 offers | Product | Published | Rate | Term / condition | Status | | **2019 to 2021 Models (up to 36 Months)** other | 5.240% % | 5.240% | — | Standard | | **2019 to 2021 Models (37 to 60 Months)** other | 5.490% % | 5.490% | — | Standard | | **2018 and Older Models (up to 36 Months)** other | 7.990% % | 7.990% | — | Standard | | **91% to 100% LTV (1st or 2nd lien) (Up to 60 months)** other | 7.990% % | 7.990% | — | Standard | | **2019 to 2022 Models (Up to 36 months)** other | 8.240% % | 8.240% | — | Standard | | **2019 to 2022 Models (37 to 60 months)** other | 8.490% % | 8.490% | — | Standard | | **91% to 100% LTV (1st or 2nd lien) (61 to 120 months)** other | 8.490% % | 8.490% | — | Standard | | **91% to 100% LTV (1st or 2nd lien) (121 to 180 months)** other | 8.990% % | 8.990% | — | Standard | | **Daily Periodic Rate (Up to 36 months)** other | 8.990% % | 8.990% | — | Standard | | **2018 and Older Models (37 to 60 Months)** other | 8.990% % | 8.990% | — | Standard | | **2019 to 2022 Models (37 to 48 months)** other | 9.240% % | 9.240% | — | Standard | | **Daily Periodic Rate (37 to 60 months)** other | 9.490% % | 9.490% | — | Standard | | **91% to 100% LTV (1st or 2nd lien) (181 to 240 months)** other | 9.490% % | 9.490% | — | Standard | | **Card Type** other | 18.000% % | 18.000% | — | Standard | Utilities Employees Credit Union other rates as of November 13, 2026 Auto loans available from 4.24% APR for 36 months. Personal loan rates from 9.99% APR. Credit card rates from 7% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/utilities-employees) , verified from [Utilities Employees Credit Union's official website](https://uecu.org/) Best product position **Room to improve vs. the Pennsylvania median** personal loan Gap to state best **800 bp** 800 bp from state best Vs. state median **99 bp behind median** personal loan Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 9.99% | Room to improve vs. the Pennsylvania median | 800 bp from state best | 99 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Utilities Employees Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=utilities-employees&state=pennsylvania&code=PA&name=Utilities%20Employees%20Credit%20Union) Loading branch locator… ## About Utilities Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 64K Assets $1.5B Founded 1934 Locations reported 2 NCUA charter 64896 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Riverfront** Museum Road Branch · Wyomissing · PA · 19610-2859 Branch in the same ZIP](https://rateapi.dev/credit-unions/pennsylvania/riverfront) [**Diamond** Wyomissing Branch · Wyomissing · PA · 19610-1253 About 0.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/diamond) [**First Commonwealth** Wyomissing · Wyomissing · PA · 19610 About 0.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/first-commonwealth) [**Discovery** Main Office · Wyomissing · PA · 19610 About 1.3 miles away](https://rateapi.dev/credit-unions/pennsylvania/discovery) [**Sun** West Lawn Branch · West Lawn · PA · 19609-1153 About 1.5 miles away](https://rateapi.dev/credit-unions/ohio/sun) [**Visions** West Lawn · West Lawn · PA · 19609-1163 About 1.5 miles away](https://rateapi.dev/credit-unions/new-york/visions) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Utilities Employees Credit Union Membership eligibility from Utilities Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Utilities Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Location PA - Association Pennsylvania American Consumer Council, PACC (Pennsylvania Consumer Council) Verified from [Utilities Employees Credit Union's membership page](https://uecu.org/join/) . Final membership determination is always made by the credit union. ## Membership rules for Utilities Employees Credit Union Geography 1 · Associations 2 · Family 4 published paths to membership, last verified August 27, 2026, quoted from Utilities Employees Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - PA “Residents of Pennsylvania can join through PACC (Pennsylvania American Consumer Council) , an association that extends credit union membership to all PA residents.” > [source ↗](https://uecu.org/join/) ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Pennsylvania American Consumer Council “Residents of Pennsylvania can join through PACC (Pennsylvania American Consumer Council) , an association that extends credit union membership to all PA residents.” > [source ↗](https://uecu.org/join/) - Member of Pennsylvania American Consumer Council - Member of Pennsylvania Consumer Council “Residents of Pennsylvania can join through PACC (Pennsylvania Consumer Council), an association that extends credit union membership to all PA residents.” > [source ↗](https://uecu.org/join/) - Member of Pennsylvania Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, domestic partner, child, stepchild, grandchild, parent, stepparent, sibling “Spouses, domestic partners, children and stepchildren, grandchildren, parents and stepparents, and siblings of existing UECU members are all eligible to join.” > [source ↗](https://uecu.org/join/) - Family member (spouse, domestic partner, child, stepchild, grandchild, parent, stepparent, sibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Utilities Employees Credit Union? Yes No ## Work at Utilities Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Utilities Employees Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Utilities Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=utilities-employees&state=pennsylvania&code=PA&name=Utilities%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Utilities Employees Credit Union offer? Utilities Employees Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Utilities Employees Credit Union rates updated? RateAPI verifies Utilities Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Utilities Employees Credit Union's rate data? Rate data is collected directly from Utilities Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Utilities Employees Credit Union's auto loan rates? As of November 13, 2026, Utilities Employees Credit Union offers auto loans from 4.24% APR. ### What is Utilities Employees Credit Union's personal loan rate? As of November 13, 2026, Utilities Employees Credit Union offers personal loans from 9.99% APR. ### Who can join Utilities Employees Credit Union? Utilities Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 geographic area and 2 associations for Utilities Employees Credit Union, each quoted from Utilities Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Utilities Employees Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://uecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Utilities Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Utilities Employees Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /utilities-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Utilities Employees Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/utilities-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp