Utah Community Credit Union

Overview / Commentary
360 W 4800 N Suite E160
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 158th largest credit union in the nation. It was established in 1955 and as of September of 2022, it had grown to 502 employees and 229,828 members at 20 locations. Utah Community Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Utah Community Credit Union is open to those who live, work, worship, or attend school in the Utah counties of Box Elder, Davis, Juab, Morgan, Salt Lake, Sanpete, Summit, Tooele, Utah, Wasatch, or Weber.
See current membership details

Surprisingly Impressed.

Posted by: |

I've seen a lot of negative reviews but I still opened an account here out of convenience (location). I have only had wonderful experiences with them and I feel like I've established several relationships with them: great online banking, account services, personal loans, auto loans, and just barely - a home loan! I'm planning on being here for life!

Member For 20 Years - Great Service

Posted by: |

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!

Not The Greatest

Posted by: |

Just average. They do have fees on their checking accounts (with perks) but its just not worth it. They aren't as competitive as other credit unions in the area.

Don’T Get Screwed

Posted by: |

I have a loan through UCCU and that’s because the shady used car salesman recommended them for the loan. (Should have been a red flag!) after receiving the loan for the car you have to submit your insurance info to the bank’s insurance department(third party). They automatically add a policy to your monthly bill every six months and stuck you with the bill even after you’ve sent your required info over and they don’t refund more than half of the added bill and they do this like clockwork every six months. After talking to more than 3 loan officers that all have been equally screwed by the shady bank they work for I’ve come to the hard truth that the bank screws every loan client in the same manner and you will be responsible to pay the added amount that’s illegally added to the loan balance. If I could go back in time I would have never used UCCU and if you’re reading this and haven’t used them yet I recommend you look for a different bank. Especially since their own employees recommend someone else.



Health Grade Components

NCUA #10709
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.56%
Annual Interest Income$56.7MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$2.61B$2.43B
LoansQ3 2022vs Q3 2021$2.18B$1.68B
DepositsQ3 2022vs Q3 2021$2.30B$2.17B
Equity CapitalQ3 2022vs Q3 2021$242.2MM$228.3MM
Loan Loss AllowanceQ3 2022vs Q3 2021$21.0MM$17.2MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$2.7MM$3.0MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Utah Community Credit Union are currently being reviewed.



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.