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A credit union is a cooperative financial institution. It is owned and controlled by the people who use its services. These members belong to distinct groups that share something in common, such as where they work, live, go to church or school. All credit unions are not-for-profit. They exist to provide a safe, convenient place for members to save money and to receive loans and other services at reasonable rates. United Teletech Financial is a not-for-profit financial cooperative serving our members and their families since 1967. Originally chartered to serve the needs of Bell Labs employees, membership to United Teletech Financial is now open to any person who lives, works, worships, attends school or volunteers in Monmouth and Ocean counties and portions of central Middlesex County.