Featured Savings Rates
Featured Accounts

University Federal Credit Union (UT)

Popular Accounts at this Credit Union

2.45%5-year CD60 Month One-Time Bump Certificate
2.55%5-year IRA60 Month IRA
0.75%6-month CD6 Month CD

Overview / Commentary
3450 S Highland Dr
Salt Lake City, UT 84106-3375

University Federal Credit Union (UT) is headquartered in Salt Lake City and is the 5th largest credit union in the state of Utah. It is also the 305th largest credit union in the nation. It was established in 1956 and as of March of 2017, it had grown to 272 employees and 88,651 members at 17 locations. University Federal Credit Union (UT)'s CD rates are 39% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in University First Federal Credit Union is open to those who live, work, attend school, worship, or volunteer in Salt Lake County and their family members.
See current membership details

Related Posts

University FCU (UT) Adds 20 Basis Points To 60-Month CD - 1/20/2017

University First FCU (UT) has raised the rate on its 60-month CD (2.50% APY). Minimum deposit is $1k, with no stated balance cap. Also as an IRA.

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Reviews (1)

Get Treated Like Royalty

Posted by: GreatGram | Mar 11, 2016

I joined the University Credit Union a couple of years ago because I wanted to be a brick and mortar deposit institution near my home. It is the first time I've ever belonged to a credit union. I could not be more pleased. The branch manager sat down with me and talked about the benefits of belonging to a credit union. She answered all of my questions and provided me with literature to take home and study. I signed up a few days later for checking and savings. They give some free checks to start with and then you buy a package of checks at a modest price. I like the savings aspect because I earn a reasonable interest if I keep a basic amount in the savings part of my account. The best part of belonging to this institution is the close, polite customer service given by the manager. She remembers my name and when I had a few questions early on, she responded immediately to my email inquiries. The only thing I would suggest for improvement is to ask that they consider making their on-line parameters a little easier to handle. The page instructions are somewhat complicated. But then again, perhaps I need to clean my glasses. All in all, I recommend the University Credit Union highly.


Health Grade Components

NCUA #24710
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD8.14%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$912.0MM$811.1MM
LoansQ1 2017vs Q1 2016$758.5MM$605.0MM
DepositsQ1 2017vs Q1 2016$810.6MM$720.7MM
Equity CapitalQ1 2017vs Q1 2016$93.4MM$85.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$5.6MM$4.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.3MM$1.7MM
Real Estate OwnedQ1 2017vs Q1 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

University Federal Credit Union (UT) Savings Account Rates

0.55%*$500k*-IRA Accumulator
OTHER TIERS: 0.25% Up to $5k | 0.30% $5k - $20k | 0.35% $20k - $50k | 0.40% $50k - $100k | 0.45% $100k - $150k | 0.50% $150k - $500k
0.15%*$1k*-Primary Savings
OTHER TIERS: 0.10% Up to $1k
0.15%*$1k*-Secondary Savings
OTHER TIERS: 0.10% Up to $1k
0.15%*$1k*-Christmas Club Savings
OTHER TIERS: 0.10% Up to $1k

University Federal Credit Union (UT) Money Market Rates

0.50%*$500k*-High Yield Money Market
OTHER TIERS: 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $250k | 0.45% $250k - $500k
0.40%*$500k*-Money Market Account
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $20k | 0.20% $20k - $50k | 0.25% $50k - $100k | 0.30% $100k - $150k | 0.35% $150k - $500k
0.25%*$100k*-Business Money Market Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.20% $50k - $100k

University Federal Credit Union (UT) Checking Account Rates

0.25%*$100k*-Crimson Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.20% $50k - $100k

University Federal Credit Union (UT) CD Rates

2.50%$500-60 Month CD
2.45%$500-60 Month One-Time Bump Certificate
2.40%--60 Month U Save Certificate
2.00%$500-48 Month CD
1.95%$500-48 Month One-Time Bump Certificate
1.90%--48 Month U Save Certificate
1.75%$500-36 Month CD
1.70%$500-36 Month One-Time Bump Certificate
1.65%--36 Month U Save Certificate
1.60%$500-30 Month CD
1.55%$500-30 Month One-Time Bump Certificate
1.50%$500-24 Month CD
1.50%--30 - 35 Month U Save Certificate
1.45%$500-24 Month One-Time Bump Certificate
1.40%--24 - 29 Month U Save Certificate
1.30%$500-18 Month CD
1.25%$500-12 Month CD
1.25%$500-18 Month One-Time Bump Certificate
1.20%--18 - 23 Month U Save Certificate
1.20%$500-12 Month One-Time Bump Certificate
1.15%--12 - 17 Month U Save Certificate
1.10%$500-12 Month Access Certificate
0.75%$500-6 Month CD
0.70%$500-6 Month One-Time Bump Certificate
0.65%--6 - 11 Month U Save Certificate
0.60%--3 - 5 Month U Save Certificate

University Federal Credit Union (UT) IRA Rates

2.55%$500-60 Month IRA
2.50%$500-60 Month IRA One-Time Bump Certificate
2.05%$500-48 Month IRA
2.00%$500-48 Month IRA One-Time Bump Certificate
1.80%$500-36 Month IRA
1.75%$500-36 Month IRA One-Time Bump Certificate
1.65%$500-30 Month IRA
1.60%$500-30 Month IRA One-Time Bump Certificate
1.55%$500-24 Month IRA
1.50%$500-24 Month IRA One-Time Bump Certificate
1.35%$500-18 Month IRA
1.30%$500-12 Month IRA
1.30%$500-18 Month IRA One-Time Bump Certificate
1.25%$500-12 Month IRA One-Time Bump Certificate
0.80%$500-6 Month IRA
0.75%$500-6 Month IRA One-Time Bump Certificate

University Federal Credit Union (UT) has 17 locations. Click to view all University Federal Credit Union (UT) locations.