Utah Community Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.30% | 5-year CD | 60 Month Regular CD 1.85% - Synchrony Bank 60 Month CD |
| 0.15% | 1-year CD | 12 Month (Add-On) Regular CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.10% | Savings | Daily Savings 1.00% - Ally Bank Online Savings Account |
Utah Community Credit Union is headquartered in Provo and is the 4th largest credit union in the state of Utah. It is also the 229th largest credit union in the nation. It was established in 1955 and as of June of 2016, it had grown to 245 employees and 134,141 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
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Great Credit Union
I've always had a great experience here at UCCU and the loan rates are always the lowest.
Member For 20 Years - Great Service
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
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.
Waste Of Time, Terrible Service
The credit union wasted three weeks of our time before rejecting our loan application. After they have informed us of their crtieria which we failed to meet, it was clear that our application should have been rejected on day one. I am not disappointed with the decision, but I am shocked with how the application was handled, how much time was wasted, and the lack of communication even after multiple attempts on our part to reach out. In addition, we consented to the bank running our credit score, even though the criteria that we clearly could not meet was not dependent on our credit. I would highly recommend using another bank. Very disappointed.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 10709 |
| Year Chartered | 1955 |
| Employees | 245 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.12% |
| Return on Equity - YTD | 10.46% |
| Annual Interest Income | $15.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $1.13B$1.01B |
| Loans | Q2 2016vs Q2 2015 | $743.0MM$588.8MM |
| Deposits | Q2 2016vs Q2 2015 | $989.2MM$884.1MM |
| Equity Capital | Q2 2016vs Q2 2015 | $119.4MM$105.0MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $8.6MM$8.4MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $2.7MM$1.3MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $83.00K$1.9MM |
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 | |
|---|---|---|---|---|---|
| 0.30%* | $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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.