Utah Community Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.00% | 5-year CD | |
| 3.00% | 5-year IRA | 2.25% - National Average |
| 1.80% | 1-year CD |
Utah Community Credit Union is headquartered in Provo and is the 4th largest credit union in the state of Utah. It is also the 216th largest credit union in the nation. It was established in 1955 and as of December of 2018, it had grown to 284 employees and 178,998 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
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
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 10709 |
| Year Chartered | 1955 |
| Employees | 284 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.25% |
| Return on Equity - YTD | 11.49% |
| Annual Interest Income | $48.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $1.38B$1.27B |
| Loans | Q4 2018vs Q4 2017 | $1.06B$912.3MM |
| Deposits | Q4 2018vs Q4 2017 | $1.21B$1.11B |
| Equity Capital | Q4 2018vs Q4 2017 | $150.8MM$134.1MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $12.6MM$12.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $4.1MM$5.6MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | - | - | Prime Plus Checking |
Utah Community Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $500 | - | Business 48 Month CD | |
| 3.00% | $500 | - | Business 60 Month CD | |
| 3.00% | $100 | - | 48 Month MoneySmart CD | |
| 3.00% | $100 | - | 60 Month MoneySmart CD | |
| 3.00% | $500 | - | 48 Month Regular CD | |
| 3.00% | $500 | - | 60 Month Regular CD | |
| 2.90% | $500 | - | Business 36 Month CD | |
| 2.90% | $100 | - | 36 Month MoneySmart CD | |
| 2.90% | $500 | - | 36 Month Regular CD | |
| 2.80% | $500 | - | 48 Month Jump Up Regular CD | |
| 2.80% | $500 | - | 60 Month Jump Up Regular CD | |
| 2.80% | $100 | - | 48 Month Jump Up MoneySmart CD | |
| 2.80% | $100 | - | 60 Month Jump Up MoneySmart CD | |
| 2.80% | $500 | - | Business 48 Month Jump Up CD | |
| 2.80% | $500 | - | Business 60 Month Jump Up CD | |
| 2.75% | $500 | - | Business 24 Month CD | |
| 2.75% | $100 | - | 24 Month MoneySmart CD | |
| 2.75% | $500 | - | 24 Month Regular CD | |
| 2.70% | $500 | - | 36 Month Jump Up Regular CD | |
| 2.70% | $100 | - | 36 Month Jump Up MoneySmart CD | |
| 2.70% | $500 | - | Business 36 Month Jump Up CD | |
| 2.55% | $500 | - | Business 24 Month Jump Up CD | |
| 2.55% | $100 | - | 24 Month Jump Up MoneySmart CD | |
| 2.55% | $500 | - | 24 Month Jump Up Regular CD | |
| 2.50% | $500 | - | Business 12 Month CD | |
| 2.50% | $100 | - | 12 Month MoneySmart CD | |
| 2.50% | $500 | - | 12 Month 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $500 | - | 48 Month Regular IRA | |
| 3.00% | $500 | - | 60 Month Regular IRA | |
| 2.90% | $500 | - | 36 Month Regular IRA | |
| 2.80% | $500 | - | 48 Month Jump Up Regular IRA | |
| 2.80% | $500 | - | 60 Month Jump Up Regular IRA | |
| 2.75% | $500 | - | 24 Month Regular IRA | |
| 2.70% | $500 | - | 36 Month Jump Up Regular IRA | |
| 2.55% | $500 | - | 24 Month Jump Up Regular IRA | |
| 2.50% | $500 | - | 12 Month 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 |
