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.
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
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.
Data as of Q4 2021
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 10709 |
| Year Chartered | 1955 |
| Employees | 504 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.15% |
| Return on Equity - YTD | 12.16% |
| Annual Interest Income | $60.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2021vs Q4 2020 | $2.46B$2.18B |
| Loans | Q4 2021vs Q4 2020 | $1.80B$1.37B |
| Deposits | Q4 2021vs Q4 2020 | $2.19B$1.95B |
| Equity Capital | Q4 2021vs Q4 2020 | $231.3MM$204.5MM |
| Loan Loss Allowance | Q4 2021vs Q4 2020 | $17.6MM$20.6MM |
| Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $2.9MM$4.6MM |
| Real Estate Owned | Q4 2021vs Q4 2020 | $0$0 |
