Advertising Disclosure
  1. Home
  2. Banks
  3. Utah Community Credit Union

Utah Community Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.uccu.com
801-223-8188
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 133rd largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 359 employees and 258,478 members at 22 locations. Utah Community Credit Union's money market rates are 9X the national average, and it 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. Immediate family members of anyone eligible to join Utah Community Credit Union qualify for membership.
See current membership details

Reviews (3)

Liars And Poor Customer Service

Posted by: |

Car loan was a mess with them. They charged me a fee and promised to waive it. They never did and they put the blame on me and their employees. They give you notice two weeks after funds are due.

3

They Are The Worst. Betrayed.

Posted by: |

I banked with these jerks for 20 years. A stray charge of $17 got through my checking to my overdraft line of credit without notice. It was 30 days late and they destroyed my credit and refused to help me. They told me they were doing me a favor by not charging me the late fees they assessed while I lose 50 points off my credit score for less than $20. Needless to say I will never bank there again ever and I have spent my personal time registering for all these review sites to warn everyone I can about what a garbage institution UCCU is.

3

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.

3


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #10709
Year Chartered1955
Employees359
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.32%
Annual Interest Income$42.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$3.57B$3.05B
LoansQ1 2025vs Q1 2024$2.8B$2.52B
DepositsQ1 2025vs Q1 2024$3.16B$2.72B
Equity CapitalQ1 2025vs Q1 2024$343.7MM$289.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$28.2MM$25.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9.7MM$7.4MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$5-Business Savings
0.05%$5-Share Savings
0.05%$5-Youth Savings

Utah Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$1m*-Money Market Savings
OTHER TIERS: 0.50% → $5 - $2.5k | 1.00% → $2.5k - $10k | 1.20% → $10k - $25k | 1.75% → $25k - $50k | 2.05% → $50k - $100k | 2.75% → $100k - $250k | 3.65% → $250k - $1m
4.00%*$1m*-Business Money Market Savings
OTHER TIERS: 0.50% → $0 - $2.5k | 1.00% → $2.5k - $10k | 1.20% → $10k - $25k | 1.75% → $25k - $50k | 2.05% → $50k - $100k | 2.75% → $100k - $250k | 3.65% → $250k - $1m
4.00%*$1m*-IRA Money Market
OTHER TIERS: 0.50% → $5 - $2.5k | 1.00% → $2.5k - $10k | 1.20% → $10k - $25k | 1.75% → $25k - $50k | 2.05% → $50k - $100k | 2.75% → $100k - $250k | 3.65% → $250k - $1m
1.20%*$10k*-Youth Money Market Savings
OTHER TIERS: 0.50% → $5 - $2.5k | 1.00% → $2.5k - $10k

Utah Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Elevated Plus Checking

Utah Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$500-Business 6 Month CD
4.35%$100-6 Month Youth CD
4.35%$500-6 Month CD
4.30%$100-3 Month Youth CD
4.30%$500-Business 3 Month CD
4.30%$500-3 Month CD
4.25%$500-Business 12 Month CD
4.25%$500-Business 60 Month CD
4.25%$100-12 Month Youth CD
4.25%$100-60 Month Youth CD
4.25%$500-12 Month CD
4.25%$500-60 Month CD
4.20%$500-Business 48 Month CD
4.20%$100-48 Month Youth CD
4.20%$500-48 Month CD
4.15%$500-Business 36 Month CD
4.15%$100-36 Month Youth CD
4.15%$500-36 Month CD
4.15%$100-6 Month Jump Up Youth CD
4.15%$500-Business 6 Month Jump Up CD
4.15%$500-6 Month Jump UP CD
4.10%$100-3 Month Jump Up Youth CD
4.10%$500-Business 3 Month Jump Up CD
4.10%$500-3 Month Jump Up CD
4.05%$500-60 Month Jump Up CD
4.05%$100-60 Month Jump Up Youth CD
4.05%$500-Business 60 Month Jump Up CD
4.05%$500-12 Month Jump Up CD
4.05%$500-Business 12 Month Jump Up CD
4.05%$100-12 Month Jump Up Youth CD
4.00%$500-48 Month Jump Up CD
4.00%$100-48 Month Jump Up Youth CD
4.00%$500-Business 48 Month Jump Up CD
4.00%$100-Business 12 Month Add On CD Special
4.00%$100-12 Month Add On CD Special
4.00%$100-12 Month Add On Youth CD Special
3.95%$500-Business 24 Month CD
3.95%$100-24 Month Youth CD
3.95%$500-24 Month CD
3.95%$500-36 Month Jump Up CD
3.95%$100-36 Month Jump Up Youth CD
3.95%$500-Business 36 Month Jump Up CD
3.75%$500-Business 24 Month Jump Up CD
3.75%$100-24 Month Jump Up Youth CD
3.75%$500-24 Month Jump Up CD

Utah Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$500-6 Month IRA
4.30%$500-3 Month IRA
4.25%$500-12 Month IRA
4.25%$500-60 Month IRA
4.20%$500-48 Month IRA
4.15%$500-36 Month IRA
4.15%$500-6 Month Jump Up IRA
4.10%$500-3 Month Jump Up IRA
4.05%$500-60 Month Jump Up IRA
4.05%$500-12 Month Jump Up IRA
4.00%*$1m*-IRA Savings
OTHER TIERS: 0.50% → $5 - $2.5k | 1.00% → $2.5k - $10k | 1.20% → $10k - $25k | 1.75% → $25k - $50k | 2.05% → $50k - $100k | 2.75% → $100k - $250k | 3.65% → $250k - $1m
4.00%$500-48 Month Jump Up IRA
4.00%$100-12 Month Add-On IRA Special
3.95%$500-24 Month IRA
3.95%$500-36 Month Jump Up IRA
3.75%$500-24 Month Jump Up IRA
Locations

Availability

Salt Lake City Area

Interactive local rates map


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.