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
Liars And Poor Customer Service
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.
They Are The Worst. Betrayed.
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.
Don’T Get Screwed
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.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 10709 |
| Year Chartered | 1955 |
| Employees | 359 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.54% |
| Return on Equity - YTD | 5.32% |
| Annual Interest Income | $42.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $3.57B$3.05B |
| Loans | Q1 2025vs Q1 2024 | $2.8B$2.52B |
| Deposits | Q1 2025vs Q1 2024 | $3.16B$2.72B |
| Equity Capital | Q1 2025vs Q1 2024 | $343.7MM$289.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $28.2MM$25.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $9.7MM$7.4MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
