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188 West Riverpark Drive
Provo, UT 84604

Utah Community Credit Union is headquartered in Provo and is the 4th largest credit union in the state of Utah. It is also the 246th largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 250 employees and 119,858 members. Utah Community Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, attend school or woship in Utah, Wasatch, Juab or Sanpete County. - See Details

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Reviews (8)

Don't Bank Here!

I used to use uccu as my bank until I closed my account three 

years ago.  I was not super impressed by them and moved to 

another bank since I got married. Three years later when I want 

to open a new account there, they deny me and won't tell me why.  

When I go in and contact them I find out that the day after I 

cancelled my account there, a payment had processed.  Had I been 

contacted, this would have been taken care of.  UCCU never 

contacted me, what they did was sent me straight to collections. 

So for three years my credit has had this collections issue to 

my name and I had no idea.  When I asked why I wasn't informed 

of this, I was told that it didn't seem like a large enough 

amount of money.  Well it was enough to go to collections and 

on my credit.  I am appauled and disappointed in the service 

and business of this company.  I can't believe that UCCU would 

go behind someones' back and send them to collections when they 

would have willingly paid off the payment right then and there. 

I will never bank with UCCu again, nor will I ever recommend 

them to anyone that I know, but I will strongly tell people not 

to bank there due to the irresponsible way in which they handle 

their customers.  I can't believe that an institution that 

handles peoples money would intentionally ruin someones credit 

because it didn't seem like a big enough amount. 

Beware Of UCCU Utah Community Credit Union

What a waist of time going into UCCU credit union in Utah for a boat loan.  I had everything in line with great credit, W-2's, and everything; after two hours they can back an said sorry we really don't like to loan on that high of an amount on a boat loan.  The Manager of the Springville, UT location didn't know what he was doing or how to calculate income from a business tax return.  They should have told me right up front they wouldn't loan on that amount, and I would have been happy, but to make me wait for 2 hours was ridiculous.  I would never waist my time again going to Utah Community Credit Union.  I even call the corporate offices before I went an told them of the situation to make sure they offered boat loans and the amount I was looking to finance.  The operator said we offer loan amounts up to your request.  They need to be upfront with there customer and every employee needs understand all there policies so it doesn't waist our time or there's.

Opinion From A Longtime Member

 Having been a part of UCCU for almost 30 years I have watched the changes and growth thru the years.  The success and growth they have achieved through membership is impressive.  We have several accounts, two with large Banks and one with UCCU.  I wonder if competing with the "Big Banks" has completely altered what made this Credit Union so great?  They use to be personable with exceptional customer service.  The reason I gave two stars is because some of the Branches do have great employees, but overall as a Corporation they have become less personable than the "Big Banks."   From my perspective they seem to have become more about the numbers than the members.  I have watched this process over time and believe this reflects down from the top.  To put it simply, they really have changed and not for the better!  We receive much better service from our other financial institutions.  Better quality, service and professionalism.  It's unfortunate that what made UCCU stand out from the rest is no longer there.  Thank you UCCU you have made it easier for us to simplify and consolidate our accounts.  I think we will start by closing our account with you.                 

The Worst Service I Have Ever Experienced In My Life!

I am trying to purchace a home and have been trying to work with one of their loan officers but this partular loan guy That I have been working with does not EVER answer his phone.  He is impossible to get a hold of in a timely fashion. If I have a question and call him first thing in the morning, the soonest he gets back to me is at the very end of the day, when it is too late to get anything done. If I dont answer the phone when he calls I have to wait another 24 hours to hear back from him. It is just rediculolus!

So I decided to seek help with the issue from one of the managers. The manager was unsympathetic to my issue but decided to talk to the guiy and then came to me and said basicly that he is doing a great job for you and you are just a complainer.   And in doing so he made the loan guy angy and even more difficult to work with.

So I told the manager that I wanted to switch loan officers and the manager refused to let me work with anyone else.  He put a block on my account so I would HAVE to work with the unprofessional loan officer that wont answer his phone.

The management here are not interested in giving good customer service or treating their clients with respect. They believe that they can just treat you like crap because they have good rates and you are left at their mercy.  

Well sorry NOT!  I will be getting a loan somewhere else.


I have been with UCCU for many years and finally have had enough! This place is an absolute joke! I applied for a home loan with Linda Nichols at the 800 South Orem Branch, and she was very unprofessional throughout the whole process(even when I go in there for daily transactions I feel like some teenager is helping me.) Linda miscalculated my info multiple times giving me inaccurate information. She kept bringing up options that would cost me more and would be horrible idea but might close the loan faster here and get her paid faster. To top it all off, she ordered an appraisal without any approval and then after we had told her that Mountain America could much more for us and had their head on straight, she tried to charge us all of these fees. I talked to 3 different lenders which is how I could compare here to the others I worked with who were above and beyond.

On another occasion at the Provo Stadium branch, went in to pay of an auto loan and had to pull teeth just to get a memo stating that the loan was paid off. They said that it shouldn't be needed, even though that is what my loan officer at another institution required for my home loan. Again, if your looking for a piggy bank than these guys might get you by, but if your a responsible adult who cares about his money, and interest rates, and wants a bank that has your best interest in mind rather than their own selfish interests in signing up just another account, or locking you into a poor loan and holding back the savings to up their commission, RUN AS FAST AS YOU CAN OUT OF UCCU! YOU HAVE BEEN WARNED!

Member For 20 Years - Great Service

I've been banking at UCCU for a long time - technically since I was an infant, but have been using them since I've been in charge of my own accounts too I'm now 26 - over the years I have been able to build excellent credit on my own, partly through them.  I've had to work with them on multiple things - two mortgages for my parents and my house, my car loan, and another loan they approved me for to help me out of a sticky situation.  It's excellent they way they have merged with UVU and they have been around for a long time.  I was able to get a 2.69% car loan there, and they have had excellent service overall, most of which just comes with the territory of being a credit union over a bank, but still - they've always dealt with me and many of my peers with utmost professionalism.    

Only cons - they're one of the bigger credit unions around, so they can afford to be a bit more picky about their loans and who they give good interest rates to - I've had some friends have small issues with that.  in addition, they  lack slightly in communication once accounts are closed and you still need to deal with them or have changed an address - any rational person should keep in good contact with their bank for a little while after leaving, then coming back, or messing with transfer situations, etc.  It's obviously the respsonsibility of an account holder to check after an account's closed to make sure everything is okay, but if someone forgot to keep in touch and changed addresses, etc. it could cause someone to slip through the cracks - this obviously has happened due to another reviewer on here.

To me, however, these are small qualms that are shared by pretty much any financial institution - I've had similar issues with Key Bank.  Overall, UCCU is the best credit union around the valley have been fantastic all around - they'll take good care of you!

Awesome, Fair, Credit Union!

Approved my auto loan at a great rate when Navy Federal Credit Union gave me the runaround for a week. One of the few credit unions where you can still sit down face-to-face with a loan officer and receive loans from people instead of computers.

Best Credit Union In Utah Valley

I have been with this credit union for 10 years. I have received great customer service every time I've been in, and was instantly financed for a new car. My rates were low, payments manageable, and on the rare occasion my payment was late I didn't have a late fee - they have a grace period! I have used 3 different locations; UVU, Orem, and Provo, with service being quality at each. They don't have hidden fees or minimum balances, which is why I've moved from Chase to this business.

For everyday banking and loans this is the best choice in Utah valley.

FYI, The boat guy has spammed his "story" everywhere, with different variations on where he went to get his loan after UCCU...and apparently he even went back to UCCU. He's not a long time customer of the credit union, and I would doubt his story.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Utah Community Credit Union had $4.68 million in non-current loans and owned real-estate with $99.7 million in equity and loan loss allowances on hand to cover it. This gives Utah Community Credit Union a Texas Ratio of 4.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Utah Community Credit Union decreased dramatically from 9.29% as of December 31, 2012 to 4.69% as of December 31, 2013, resulting in a positive change of 49.50%.This indicates that the balance sheet and financial strength for Utah Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Utah Community Credit Union has increased its total deposits by $23.76 million, resulting in 3.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Utah Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Utah Community Credit Union has $879.32 million in assets with $99.7 million in equity, resulting in a capitalization level of 11.34%, which is excellent.

Institution Statistics

NCUA #10709
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$879.32 million
Loans$446.04 million
Deposits$775.16 million
Equity Capital$90.26 million
Loan Loss Allowance$9.44 million
Unbacked Noncurrent Loans$2.31 million
Real Estate Owned$2.36 million
Historic Data - December 2012
Assets$847.06 million
Equity Capital$82.04 million
Loan Loss Allowance$9.09 million
Unbacked Noncurrent Loans$2.31 million
Real Estate Owned$4.08 million
Profit Margin - Quarterly
Net Interest Margin4.08%
Return on Assets0.94%
Return on Equity9.11%
Interest Income$23.25 million
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Utah Community Credit Union Savings Account Rates

0.30%$250k-IRA Savings
0.15%--Platinum Business Savings
0.15%$5k-Youth Savers
0.10%--Business Main Savings
0.10%--Main Savings
0.10%--Daily Savings
0.10%--Business Daily Savings

Utah Community Credit Union Money Market Rates

0.30%$250k-Platinum Business Money Market Savings
0.30%$250k-Money Market Account
0.15%$5k-MoneySmart Money Market

Utah Community Credit Union CD Rates

1.30%$500-60 Month Business CD
1.30%$100-60 Month Money Smart CD
1.30%$500-60 Month Regular CD
1.00%$500-48 Month Business CD
1.00%$100-48 Month Money Smart CD
1.00%$500-48 Month Regular CD
0.80%$500-36 Month Business CD
0.80%$100-36 Month Money Smart CD
0.80%$500-36 Month Regular CD
0.40%$500-24 Month Business CD
0.40%$100-24 Month Money Smart CD
0.40%$500-24 Month Regular CD
0.35%$500-24 Month (jump up) Business CD
0.35%$100-24 Month (Jump Up) Money Smart CD
0.35%$500-24 Month (Jump Up) Regular CD
0.30%$500-12 Month Business CD
0.30%$100-12 Month Money Smart CD
0.30%$500-12 Month Regular CD
0.20%$500-6 Month Business CD
0.20%$100-6 Month Money Smart CD
0.20%$500-6 Month Regular CD
0.15%$500-12 Month (Add-On) Business CD
0.15%$100-12 Month (Add-On) Regular CD
0.15%$100-12 Month (Add-On) Money Smart CD
0.10%$500-90 Day Business CD
0.10%$100-3 Month Money Smart CD
0.10%$500-90 Day Regular CD

Utah Community Credit Union IRA Rates

1.30%$500-60 Month Regular IRA
1.00%$500-48 Month Regular IRA
0.80%$500-36 Month Regular IRA
0.40%$500-24 Month Regular IRA
0.35%$500-24 Month (Jump Up) Regular IRA
0.30%$500-12 Month Regular IRA
0.20%$500-6 Month Regular IRA
0.15%$100-12 Month (Add-On) Regular IRA
0.10%$500-90 Day Regular IRA

Utah Community Credit Union has 20 locations. Click to view all Utah Community Credit Union locations.