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Utah Community Credit Union

Popular Accounts at this Credit Union

2.50%5-year CD60 Month Regular CD
2.50%5-year IRA60 Month Regular IRA
0.50%1-year CD12 Month Regular CD

Overview / Commentary
188 W 5200 N
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 221st largest credit union in the nation. It was established in 1955 and as of June of 2017, it had grown to 286 employees and 152,514 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 Utah, Wasatch, Juab, or Sanpete Counties.
See current membership details

Related Posts

Utah Community CU Adds 120 Basis Points To 60-Month CD - 2/6/2017

Utah Community CU has raised the rate on its 60-month Certificate (2.50% APY) by 120 basis points. MInimum deposit is $500, with no stated balance cap.

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Great credit union

Posted by: Glen | Apr 26, 2014

I have used this credit union for over 15 years and have enjoyed their services. I just wish that their loans would be a little more competitive with other credit unions around. I have had no other problems and they have answered all my questions through email within 24 hours. I also can use their app to deposit checks through pictures so I barely have to go to the bank.

UCCU has held true to their roots

UCCU (Utah Community Credit Union) started as a local credit union meant to service the students of BYU and people of surrounding areas. Eventually they grew and have two branches. They're still small, which I like, because it allows them to remain dedicated to their community, their values, and serve their customers better.

It wasn't until recently that I was able to use UCCU's services to any great degree, but they were extremely helpful and patient with me over the phone dealing with my unique situation (I could not physically visit a branch). They helped me resolve an odd situation with my savings account that prevented me from accessing it at all, then they helped me set up online banking with their brand new system, and finally helped me when I had problems adding a checking account. It turned out to be a problem with their new system, but in the end the bank manager asked a representative to do the entire setup for me so I didn't have to worry about it, so it worked out better than I could have hoped. I now have a checking account, a debit card, and a savings account that I can access easily, that fits my needs. UCCU has been more cooperative and able to help me than other banks (even credit unions) have been.

Could use some work to help compete with other sites

When I first moved to the area, I found a local branch that was convenient to my work so I decided to go with them. Because they are on the smaller side, they didn't have a wide variety of different programs to choose from. The simple checking works, but they somehow charge a lot for wanting to print checks themselves which is a bit odd. I used them infrequently so not a huge deal, but a bit intolerable. I didn't like how their website made it so hard to find why my balance was what it was; could really use a web developer to update it past the 2003 era. Overall, I think there's too many other local options that far surpass it to recommend it any higher.

Opinion From A Longtime Member

Posted by: susana221 | Jan 4, 2013

 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.                 



Health Grade Components

NCUA #10709
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD6.19%
Annual Interest Income$18.1MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.24B$1.13B
LoansQ2 2017vs Q2 2016$869.6MM$743.0MM
DepositsQ2 2017vs Q2 2016$1.09B$989.2MM
Equity CapitalQ2 2017vs Q2 2016$128.5MM$119.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$11.8MM$8.6MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.7MM$2.7MM
Real Estate OwnedQ2 2017vs Q2 2016$58.00K$83.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Utah Community Credit Union Savings Account Rates

0.30%*$250k*-IRA Savings
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.30%*$250k*-Roth IRA Savings
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.15%--Platinum Business Savings
0.15%*$5k*-Youth Savers
OTHER TIERS: 0.10% Up to $5k
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
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.30%*$250k*-Money Market
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.15%*$5k*-MoneySmart Money Market
OTHER TIERS: 0.10% Up to $5k

Utah Community Credit Union CD Rates

2.50%$500-Business 60 Month CD
2.50%$100-60 Month Money Smart CD
2.50%$500-60 Month Regular CD
1.70%$500-Business 48 Month CD
1.70%$100-48 Month Money Smart CD
1.70%$500-48 Month Regular CD
1.50%$500-Business 36 Month CD
1.50%$100-36 Month Money Smart CD
1.50%$500-36 Month Regular CD
1.10%$500-Business 24 Month CD
1.10%$100-24 Month MoneySmart CD
1.10%$500-24 Month Regular CD
0.50%$500-Business 12 Month CD
0.50%$100-12 Month MoneySmart CD
0.50%$500-12 Month Regular CD
0.30%$500-Business 6 Month CD
0.30%$100-6 Month MoneySmart CD
0.30%$500-6 Month Regular CD
0.15%$500-Business 90 Day CD
0.15%$100-3 Month MoneySmart CD
0.15%$500-90 Day Regular CD

Utah Community Credit Union IRA Rates

2.50%$500-60 Month Regular IRA
1.70%$500-48 Month Regular IRA
1.50%$500-36 Month Regular IRA
1.10%$500-24 Month Regular IRA
0.50%$500-12 Month Regular IRA
0.30%$500-6 Month Regular IRA
0.15%$500-90 Day Regular IRA