Featured Savings Rates
Featured Accounts

Utah Community Credit Union

Popular Accounts at this Credit Union

1.30%5-year CD60 Month Regular CD
0.15%1-year CD12 Month (Add-On) Regular CD
0.10%SavingsDaily Savings

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 232nd largest credit union in the nation. It was established in 1955 and as of March of 2016, it had grown to 280 employees and 131,067 members at 20 locations. Utah Community Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school or worship Utah, Wasatch, Juab or Sanpete Counties..
See current membership details

Related Posts

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Great Credit Union

Posted by: kjbanks | Jun 22, 2016

I've always had a great experience here at UCCU and the loan rates are always the lowest.

Member For 20 Years - Great Service

Posted by: rmckell | Sep 10, 2012

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!

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.                 

No Difference Between UCCU And Any Other Big Bank

This is a true story. I have been a faithful member of the UCCU for years. My job lost all of its financing and was not able to pay the employees. What ended up happening is that the 2 owners started fighting over which direction to take the company. One owner cleared out the bank account while the other owner tried to keep the company together. Slowly the employees left. I stayed as a loyal employee as I believed in the company and the product. As we started a re-launch we got hit with a lawsuit from the other owner which delayed the process. I held on as long as I could and eventually had to get a second job. Financially I was underwater and looking for a lifeline. Unfortunately the Nation’s economy was bad and I soon discovered that I was not alone. That most Americans were facing similar issues.
During this process, unknown to me, UCCU closed my account due to inactivity. I didn’t find out until my first paycheck as my part time job got declined for a deposit. Heartbroken that the UCCU would close my account, I went and opened another account in another bank.
So about 6 years later, I found out on my credit report that UCCU was hitting me up for an overdraft charge from when they closed my account. I called and paid the $29 overdraft fee. I would just go on my own way and forget about UCCU but felt a nagging feeling about the petty action of UCCU. I cannot believe that an establishment would go after a customer who at the lowest time of their life, not only close the account with no written or verbal warning (yes after the account was closed, not before) and tag on an overdraft fee for what $29? They purposely went out to hurt my credit after closing my account? I really don’t understand how UCCU can claim to be anything other than a bank. Just like any other money grabbing entity where they claim to take care of the small client but instead use them to pad their wallet.
UCCU claims to be your friend, just as long as you pay them. When you hit hard times, they slap you with a fee as they boot you out the door.

Thank you UCCU. For restoring my belief that all banks are the same.



Health Grade Components

NCUA #10709
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD10.22%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.10B$990.8MM
LoansQ1 2016vs Q1 2015$709.5MM$556.5MM
DepositsQ1 2016vs Q1 2015$967.7MM$872.7MM
Equity CapitalQ1 2016vs Q1 2015$115.2MM$102.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$8.7MM$8.6MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.1MM$1.0MM
Real Estate OwnedQ1 2016vs Q1 2015$463.00K$1.5MM
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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

1.30%$500-60 Month Business CD
1.30%$100-60 Month Money Smart CD
1.30%$500-60 Month Regular CD
1.00%$500-48 Month Business CD
1.00%$100-48 Month Money Smart CD
1.00%$500-48 Month Regular CD
0.80%$500-36 Month Business CD
0.80%$100-36 Month Money Smart CD
0.80%$500-36 Month Regular CD
0.40%$500-24 Month Business CD
0.40%$100-24 Month MoneySmart CD
0.40%$500-24 Month Regular CD
0.35%$500-24 Month (Jump Up) Business CD
0.35%$100-24 Month (Jump Up) MoneySmart CD
0.35%$500-24 Month (Jump Up) Regular CD
0.30%$500-12 Month Business CD
0.30%$100-12 Month MoneySmart CD
0.30%$500-12 Month Regular CD
0.20%$500-6 Month Business CD
0.20%$100-6 Month MoneySmart CD
0.20%$500-6 Month Regular CD
0.15%$500-12 Month (Add-On) Business CD
0.15%$100-12 Month (Add-On) Regular CD
0.15%$100-12 Month (Add-On) MoneySmart CD
0.10%$500-90 Day Business CD
0.10%$100-3 Month MoneySmart CD
0.10%$500-90 Day Regular CD

Utah Community Credit Union IRA Rates

1.30%$500-60 Month Regular IRA
1.00%$500-48 Month Regular IRA
0.80%$500-36 Month Regular IRA
0.40%$500-24 Month Regular IRA
0.35%$500-24 Month (Jump Up) Regular IRA
0.30%$500-12 Month Regular IRA
0.20%$500-6 Month Regular IRA
0.15%$100-12 Month (Add-On) Regular IRA
0.10%$500-90 Day Regular IRA

Utah Community Credit Union has 20 locations. Click to view all Utah Community Credit Union locations.