Utah Community Credit Union is headquartered in Provo and is the 4th largest credit union in the state of Utah. It is also the 212th largest credit union in the nation. It was established in 1955 and as of September of 2018, it had grown to 290 employees and 174,747 members at 18 locations. Utah Community Credit Union has an A+ health rating.
Membership in Utah Community Credit Union is open to those who live, work, worship, or attend school in Utah, Wasatch, Juab, or Sanpete Counties.
See current membership details
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 (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.
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.
|Return on Assets - YTD||1.28%|
|Return on Equity - YTD||12.19%|
|Annual Interest Income||$34.8MM|
|Assets and Liabilities|
|Assets||Q3 2018vs Q3 2017||$1.39B$1.26B|
|Loans||Q3 2018vs Q3 2017||$1.03B$898.6MM|
|Deposits||Q3 2018vs Q3 2017||$1.22B$1.11B|
|Equity Capital||Q3 2018vs Q3 2017||$145.6MM$131.3MM|
|Loan Loss Allowance||Q3 2018vs Q3 2017||$12.8MM$12.2MM|
|Unbacked Noncurrent Loans||Q3 2018vs Q3 2017||$4.4MM$4.7MM|
|Real Estate Owned||Q3 2018vs Q3 2017||$0$58.00K|
Rates for Utah Community Credit Union are currently being reviewed.