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Utah Community Credit Union

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 205th largest credit union in the nation. It was established in 1955 and as of March of 2019, it had grown to 361 employees and 182,842 members at 18 locations. Utah Community Credit Union's CD rates are 3X the national average, and it boasts 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 Davis, Juab, Salt Lake, Sanpete, Summit, Tooele, Utah, or Wasatch Counties, Utah.
See current membership details

Related Posts

Utah Community Credit Union Offers 22-Month Add-On CD, 3.05% APY - 4/3/2019

Utah Community Credit Union has added a 22-month Add-On CD (3.05% APY), with unlimited additional deposits throughout the term. Minimum opening deposit is $500.

Utah Community Credit Union Adds 9-Month CD, 3.00% APY - 2/27/2019

Utah Community Credit Union has added a 9-month CD, which earns 3.00% APY. Minimum deposit is $500, with no stated balance cap. Also available as an IRA.

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Full Service Credit Union With Small-Town Feel

I joined this credit union back in January, and I've loved the small-town feel of the credit union. Seriously, getting to know the people in the branch I always go into has been wonderful. They recognize me and we have great conversations. But even though it has a small-town feel, they can still give me all the functionality of a bigger credit union/bank. And you can't argue with the lowest fees and rates around. The online banking is very capable, and while the mobile banking interface could use some touchups, it still gets 5 stars from me.

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.

Not The Greatest

Posted by: srog385 | Mar 27, 2019

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.

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.



Health Grade Components

NCUA #10709
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD11.3%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$1.49B$1.34B
LoansQ1 2019vs Q1 2018$1.07B$929.8MM
DepositsQ1 2019vs Q1 2018$1.31B$1.19B
Equity CapitalQ1 2019vs Q1 2018$155.6MM$136.3MM
Loan Loss AllowanceQ1 2019vs Q1 2018$12.6MM$12.8MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$3.8MM$4.8MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not Utah Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.50%*$250k*-IRA Savings
OTHER TIERS: 0.10% Up to $500 | 0.15% $500 - $5k | 0.20% $5k - $20k | 0.25% $20k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $150k | 0.45% $150k - $250k
0.15%--Platinum Business Savings
0.15%*$5k*-Youth Savers
OTHER TIERS: 0.10% Up to $5k
0.10%$5-Business Main Savings
0.10%$5-Main Savings
0.10%--Auxiliary Savings
0.10%--Business Auxiliary Savings

Utah Community Credit Union Money Market Rates

0.50%*$250k*-Platinum Business Money Market Savings
OTHER TIERS: 0.10% Up to $500 | 0.15% $500 - $5k | 0.20% $5k - $20k | 0.25% $20k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $150k | 0.45% $150k - $250k
0.50%*$250k*-Money Market
OTHER TIERS: 0.10% Up to $500 | 0.15% $500 - $5k | 0.20% $5k - $20k | 0.25% $20k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $150k | 0.45% $150k - $250k
0.20%*$5k*-MoneySmart Money Market
OTHER TIERS: 0.10% Up to $500 | 0.15% $500 - $5k

Utah Community Credit Union Checking Account Rates

0.10%--Prime Plus Checking

Utah Community Credit Union CD Rates

2.70%$500-Business 60 Month CD
2.70%$100-60 Month MoneySmart CD
2.70%$500-60 Month Regular CD
2.65%$500-Business 48 Month CD
2.65%$100-48 Month MoneySmart CD
2.65%$500-48 Month Regular CD
2.60%$500-Business 36 Month CD
2.60%$100-36 Month MoneySmart CD
2.60%$500-36 Month Regular CD
2.50%$500-Business 24 Month CD
2.50%$100-24 Month MoneySmart CD
2.50%$500-24 Month Regular CD
2.50%$500-60 Month Jump Up Regular CD
2.50%$100-60 Month Jump Up MoneySmart CD
2.50%$500-Business 60 Month Jump Up CD
2.45%$500-48 Month Jump Up Regular CD
2.45%$100-48 Month Jump Up MoneySmart CD
2.45%$500-Business 48 Month Jump Up CD
2.40%$500-Business 12 Month CD
2.40%$100-12 Month MoneySmart CD
2.40%$500-12 Month Regular CD
2.40%$500-36 Month Jump Up Regular CD
2.40%$100-36 Month Jump Up MoneySmart CD
2.40%$500-Business 36 Month Jump Up CD
2.30%$500-Business 24 Month Jump Up CD
2.30%$100-24 Month Jump Up MoneySmart CD
2.30%$500-24 Month Jump Up Regular CD
1.80%$500-Business 12 Month Add-On CD
1.80%$100-12 Month Add-On Regular CD
1.80%$100-12 Month Add-On MoneySmart CD
1.25%$500-Business 6 Month CD
1.25%$100-6 Month MoneySmart CD
1.25%$500-6 Month Regular CD
0.25%$500-Business 90 Day CD
0.25%$100-3 Month MoneySmart CD
0.25%$500-90 Day Regular CD

Utah Community Credit Union IRA Rates

2.70%$500-60 Month Regular IRA
2.65%$500-48 Month Regular IRA
2.60%$500-36 Month Regular IRA
2.50%$500-24 Month Regular IRA
2.50%$500-60 Month Jump Up Regular IRA
2.45%$500-48 Month Jump Up Regular IRA
2.40%$500-12 Month Regular IRA
2.40%$500-36 Month Jump Up Regular IRA
2.30%$500-24 Month Jump Up Regular IRA
1.80%$100-12 Month Add-On Regular IRA
1.25%$500-6 Month Regular IRA
0.25%$500-90 Day Regular IRA


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