Utah Community Credit Union

Overview / Commentary
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 164th largest credit union in the nation. It was established in 1955 and as of December of 2021, it had grown to 504 employees and 221,582 members at 20 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.



Health Grade Components

NCUA #10709
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD12.16%
Annual Interest Income$60.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$2.46B$2.18B
LoansQ4 2021vs Q4 2020$1.80B$1.37B
DepositsQ4 2021vs Q4 2020$2.19B$1.95B
Equity CapitalQ4 2021vs Q4 2020$231.3MM$204.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$17.6MM$20.6MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.9MM$4.6MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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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

0.15%*$250k*-IRA Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $250k
0.05%$5-Business Main Savings
0.05%$5-Share Savings

Utah Community Credit Union Money Market Rates

0.15%*$250k*-Money Market Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $250k
0.10%*$5k*-Youth BeMoneySmart Money Market Savings
OTHER TIERS: 0.05% Up to $5k

Utah Community Credit Union CD Rates

2.20%$500-24 Month CD Special - Limited Time Offer
1.00%$500-Business 60 Month CD
1.00%$100-60 Month Youth BeMoneySmart CD
1.00%$500-60 Month CD
0.80%$500-Business 48 Month CD
0.80%$100-48 Month Youth BeMoneySmart CD
0.80%$500-48 Month CD
0.80%$500-60 Month Jump Up CD
0.80%$100-60 Month Jump Up Youth BeMoneySmart CD
0.80%$500-Business 60 Month Jump Up CD
0.70%$500-Business 36 Month CD
0.70%$100-36 Month Youth BeMoneySmart CD
0.70%$500-36 Month CD
0.60%$500-Business 24 Month CD
0.60%$100-24 Month Youth BeMoneySmart CD
0.60%$500-24 Month CD
0.60%$500-48 Month Jump Up CD
0.60%$100-48 Month Jump Up Youth BeMoneySmart CD
0.60%$500-Business 48 Month Jump Up CD
0.50%$500-Business 12 Month CD
0.50%$100-12 Month Youth BeMoneySmart CD
0.50%$500-12 Month CD
0.50%$500-36 Month Jump Up CD
0.50%$100-36 Month Jump Up Youth BeMoneySmart CD
0.50%$500-Business 36 Month Jump Up CD
0.40%$500-Business 24 Month Jump Up CD
0.40%$100-24 Month Jump Up Youth BeMoneySmart CD
0.40%$500-24 Month Jump Up CD
0.35%$500-Business 6 Month CD
0.35%$100-6 Month Youth BeMoneySmart CD
0.35%$500-6 Month CD
0.30%$100-Business 12 Month Add-On CD
0.30%$100-12 Month Add-On CD
0.30%$100-12 Month Add On Youth BeMoneySmart CD
0.25%$500-Business 90 Day CD
0.25%$100-3 Month Youth BeMoneySmart CD
0.25%$500-90 Day CD

Utah Community Credit Union IRA Rates

2.20%$500-24 Month IRA Special - Limited Time Offer
1.00%$500-60 Month IRA
0.80%$500-48 Month IRA
0.80%$500-60 Month Jump Up IRA
0.70%$500-36 Month IRA
0.60%$500-24 Month IRA
0.60%$500-48 Month Jump Up IRA
0.50%$500-12 Month IRA
0.50%$500-36 Month Jump Up IRA
0.40%$500-24 Month Jump Up IRA
0.35%$500-6 Month IRA
0.30%$100-12 Month Add-On IRA
0.25%$500-90 Day IRA


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