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 153rd largest credit union in the nation. It was established in 1955 and as of June of 2023, it had grown to 497 employees and 236,079 members at 21 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

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!

Member For 20 Years - Great Service

Posted by: |

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!

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.

They Are The Worst. Betrayed.

Posted by: |

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.



Health Grade Components

NCUA #10709
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD12.99%
Annual Interest Income$56.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.83B$2.55B
LoansQ2 2023vs Q2 2022$2.44B$2.00B
DepositsQ2 2023vs Q2 2022$2.44B$2.27B
Equity CapitalQ2 2023vs Q2 2022$267.4MM$237.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$19.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$5.5MM$2.4MM
Real Estate OwnedQ2 2023vs Q2 2022$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

4.00%*$250k*-IRA Savings
OTHER TIERS: 0.75% Up to $2.5k | 1.60% $2.5k - $10k | 1.80% $10k - $25k | 2.25% $25k - $50k | 2.50% $50k - $100k | 3.25% $100k - $250k
0.05%$5-Business Main Savings
0.05%$5-Share Savings

Utah Community Credit Union Money Market Rates

4.00%*$250k*-Money Market Savings
OTHER TIERS: 0.75% Up to $2.5k | 1.60% $2.5k - $10k | 1.80% $10k - $25k | 2.25% $25k - $50k | 2.50% $50k - $100k | 3.25% $100k - $250k
4.00%*$250k*-Business Money Market Savings
OTHER TIERS: 0.75% Up to $2.5k | 1.60% $2.5k - $10k | 1.80% $10k - $25k | 2.25% $25k - $50k | 2.50% $50k - $100k | 3.25% $100k - $250k
1.80%*$10k*-Youth BeMoneySmart Money Market Savings
OTHER TIERS: 0.75% Up to $50 | 1.60% $2.5k - $10k

Utah Community Credit Union CD Rates

5.50%$500-Business 6 Month CD
5.50%$500-Business 12 Month CD
5.50%$100-6 Month Youth BeMoneySmart CD
5.50%$100-12 Month Youth BeMoneySmart CD
5.50%$500-6 Month CD
5.50%$500-12 Month CD
5.50%$500-6 Month CD Special
5.50%$10k-Business 6 Month CD Special
5.50%$100-6 Month Youth BeMoneySmart CD Special
5.30%$500-12 Month Jump Up CD
5.30%$500-Business 12 Month Jump Up CD
5.30%$100-12 Month Jump Up Youth BeMoneySmart CD
5.30%$100-6 Month Jump Up Youth BeMoneySmart CD
5.30%$500-Business 6 Month Jump Up CD
5.30%$500-6 Month Jump UP CD
5.25%$100-Business 12 Month Add On CD Special
5.25%$100-12 Month Add On CD Special
5.25%$100-12 Month Add On Youth BeMoneySmart CD Special
5.10%$500-9 Month Youth BeMoneySmart CD Special
5.10%$10k-Business 9 Month CD Special
5.10%$500-9 Month CD Special
5.00%$500-9 Month CD
5.00%$100-9 Month Youth BeMoneySmart CD
5.00%$500-Business 9 Month CD
5.00%$10k-Business 22 Month CD Special
5.00%$500-22 Month CD Special
5.00%$100-22 Month Youth BeMoneySmart CD Special
4.50%$500-Business 24 Month CD
4.50%$500-Business 36 Month CD
4.50%$100-24 Month Youth BeMoneySmart CD
4.50%$100-36 Month Youth BeMoneySmart CD
4.50%$500-24 Month CD
4.50%$500-36 Month CD
4.30%$500-Business 24 Month Jump Up CD
4.30%$100-24 Month Jump Up Youth BeMoneySmart CD
4.30%$500-24 Month Jump Up CD
4.30%$500-36 Month Jump Up CD
4.30%$100-36 Month Jump Up Youth BeMoneySmart CD
4.30%$500-Business 36 Month Jump Up CD
4.30%$500-33 Month CD Special
4.30%$100-33 Month Youth BeMoneySmart CD Special
4.30%$500-Business 33 Month CD Special
4.00%$500-Business 48 Month CD
4.00%$500-Business 60 Month CD
4.00%$100-48 Month Youth BeMoneySmart CD
4.00%$100-60 Month Youth BeMoneySmart CD
4.00%$500-48 Month CD
4.00%$500-60 Month CD
3.80%$500-48 Month Jump Up CD
3.80%$500-60 Month Jump Up CD
3.80%$100-48 Month Jump Up Youth BeMoneySmart CD
3.80%$100-60 Month Jump Up Youth BeMoneySmart CD
3.80%$500-Business 48 Month Jump Up CD
3.80%$500-Business 60 Month Jump Up CD
2.25%$500-Business 90 Day CD
2.25%$100-3 Month Youth BeMoneySmart CD
2.25%$500-90 Day CD
2.05%$100-3 Month Jump Up Youth BeMoneySmart CD
2.05%$500-Business 3 Month Jump Up CD
2.05%$500-3 Month Jump Up CD

Utah Community Credit Union IRA Rates

5.50%$500-6 Month IRA
5.50%$500-12 Month IRA
5.50%$500-6 Month IRA Special
5.30%$500-12 Month Jump Up IRA
5.30%$500-6 Month Jump Up IRA
5.25%$100-12 Month Add-On IRA Special
5.10%$500-9 Month IRA Special
5.00%$500-9 Month IRA
5.00%$500-22 Month IRA Special
4.50%$500-24 Month IRA
4.50%$500-36 Month IRA
4.30%$500-24 Month Jump Up IRA
4.30%$500-36 Month Jump Up IRA
4.30%$500-33 Month IRA Special
4.00%$500-48 Month IRA
4.00%$500-60 Month IRA
3.80%$500-48 Month Jump Up IRA
3.80%$500-60 Month Jump Up IRA
2.25%$500-90 Day IRA
2.05%$500-90 Days Jump Up IRA


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