Overview / Commentary
84 W Main St
Moroni, UT 84646

Utah Heritage Credit Union is headquartered in Moroni and is the 23rd largest credit union in the state of Utah. It is also the 1,952nd largest credit union in the nation. It was established in 1969 and as of September of 2018, it had grown to 22 employees and 7,723 members at 5 locations. Utah Heritage Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live in Sanpete and Sevier Counties in Utah and to employees and patrons of Moroni Feed Company.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Utah Heritage Credit Union has a relatively low asset base.

Health Grade Components

NCUA #67076
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD11.76%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$71.2MM$65.9MM
LoansQ3 2018vs Q3 2017$54.4MM$48.2MM
DepositsQ3 2018vs Q3 2017$62.6MM$59.0MM
Equity CapitalQ3 2018vs Q3 2017$7.3MM$6.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$238.00K$249.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$668.00K$432.00K
Real Estate OwnedQ3 2018vs Q3 2017$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 Heritage Credit Union Savings Account Rates

0.30%*$2.5k*-Suffix IRA
OTHER TIERS: 0.10% Up to $100 | 0.20% $100 - $2.5k
0.10%$100-All Other Shares
0.10%$100-Youth Account

Utah Heritage Credit Union Money Market Rates

0.40%*$50k*-Money Market Account
OTHER TIERS: 0.10% $500 - $2k | 0.20% $2k - $25k | 0.30% $25k - $50k

Utah Heritage Credit Union CD Rates

3.30%$100k-60 Month Jumbo CD
3.25%$500-60 Month CD
3.10%$100k-36 Month Jumbo CD
3.00%$500-36 Month CD
2.35%$100k-12 Month Jumbo CD
2.25%$500-12 Month CD
1.26%$100k-48 Month Jumbo CD
1.21%$100k-24 Month Jumbo CD
1.16%$500-48 Month CD
1.11%$500-24 Month CD
0.85%$100k-9 Month Jumbo CD
0.75%$500-9 Month CD
0.65%$100k-18 Month Jumbo CD
0.55%$500-18 Month CD
0.55%$25-18 Month Youth CD
0.50%*$50k*-12 Month Flex CD
OTHER TIERS: 0.25% $500 - $2k | 0.30% $2k - $25k | 0.40% $25k - $50k
0.45%$100k-6 Month Jumbo CD
0.35%$500-6 Month CD

Utah Heritage Credit Union Locations
Branch Office84 W Main StMoroni, UT 84646
Branch Office268 S MAIN StEPHRAIM, UT 84627
Branch Office520 S Main StGunnison, UT 84634
Branch Office1050 S STATE St # 3MT PLEASANT, UT 84647
Branch Office62 W Main StMORONI, UT 84646

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