Utah Community Credit Union


Overview / Commentary
801-223-8188
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 172nd largest credit union in the nation. It was established in 1955 and as of June of 2020, it had grown to 405 employees and 210,307 members at 18 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 Davis, Juab, Salt Lake, Sanpete, Summit, Tooele, Utah, or Wasatch Counties, Utah.
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!

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: |

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.

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.

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Health

Health Grade Components

Overall
NCUA #10709
Year Chartered1955
Employees405
Primary Regulator
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD13.61%
Annual Interest Income$29.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.97B$1.55B
LoansQ2 2020vs Q2 2019$1.20B$1.07B
DepositsQ2 2020vs Q2 2019$1.75B$1.36B
Equity CapitalQ2 2020vs Q2 2019$189.1MM$162.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$20.0MM$12.6MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$6.5MM$3.3MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-IRA Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $20k | 0.15% $20k - $250k
0.10%*$2.5k*-Youth Savers
OTHER TIERS: 0.05% Up to $2.5k
0.10%--Business Auxiliary Savings
0.05%$5-Business Main Savings
0.05%--Platinum Business Savings
0.05%$5-Main Savings
0.05%--Auxiliary Savings

Utah Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Platinum Business Money Market Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $5k | 0.15% $5k - $50k | 0.20% $50k - $100k
0.20%*$250k*-Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $20k | 0.15% $20k - $250k
0.10%*$2.5k*-MoneySmart Money Market
OTHER TIERS: 0.05% Up to $2.5k

Utah Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Prime Plus Checking

Utah Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-Business 60 Month CD
0.90%$100-60 Month MoneySmart CD
0.90%$500-60 Month Regular CD
0.80%$500-Business 48 Month CD
0.80%$100-48 Month MoneySmart CD
0.80%$500-48 Month Regular CD
0.75%$500-60 Month Jump Up Regular CD
0.75%$100-60 Month Jump Up MoneySmart CD
0.75%$500-Business 60 Month Jump Up CD
0.70%$500-Business 36 Month CD
0.70%$100-36 Month MoneySmart CD
0.70%$500-36 Month Regular CD
0.60%$500-Business 24 Month CD
0.60%$100-24 Month MoneySmart CD
0.60%$500-24 Month Regular CD
0.60%$500-48 Month Jump Up Regular CD
0.60%$100-48 Month Jump Up MoneySmart CD
0.60%$500-Business 48 Month Jump Up CD
0.50%$500-36 Month Jump Up Regular CD
0.50%$100-36 Month Jump Up MoneySmart CD
0.50%$500-Business 36 Month Jump Up CD
0.40%$500-Business 12 Month CD
0.40%$500-Business 24 Month Jump Up CD
0.40%$100-12 Month MoneySmart CD
0.40%$100-24 Month Jump Up MoneySmart CD
0.40%$500-12 Month Regular CD
0.40%$500-24 Month Jump Up Regular CD
0.35%$500-Business 6 Month CD
0.35%$100-6 Month MoneySmart CD
0.35%$500-6 Month Regular CD
0.30%$500-Business 12 Month Add-On CD
0.30%$100-12 Month Add-On Regular CD
0.30%$100-12 Month Add-On MoneySmart 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-60 Month Regular IRA
0.80%$500-48 Month Regular IRA
0.75%$500-60 Month Jump Up Regular IRA
0.70%$500-36 Month Regular IRA
0.60%$500-24 Month Regular IRA
0.60%$500-48 Month Jump Up Regular IRA
0.50%$500-36 Month Jump Up Regular IRA
0.40%$500-12 Month Regular IRA
0.40%$500-24 Month Jump Up Regular IRA
0.35%$500-6 Month Regular IRA
0.30%$100-12 Month Add-On Regular IRA
0.25%$500-90 Day Regular IRA
Locations

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