Credit union · NCUA insured
American United Federal Credit Union
Top CarrotA $394.2M credit union headquartered in West Jordan, UT, with 21,084 members and 11 branches in 2 states. Best rates: CDs 4.00% and savings 1.15% APY.
American United Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#17 of 43 in Salt Lake City, UT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About American United Federal Credit Union
Founded in 1952 and headquartered in West Jordan, Utah, American United Federal Credit Union is a wholly member-owned, not-for-profit financial cooperative.
Originally established to serve Fort Douglas and VA Medical Center employees, it grew through multiple mergers and operates branch locations across Utah and California.
- Headquarters
- 2687 W 7800 S, West Jordan, UT 84088
- NCUA charter
- 8187
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to anyone who agrees to join the Financial Fitness Association for $5.
Where you live or work
- Membership is open to individuals who live, work, or attend school in Carbon or Emery counties.
- Membership is open to individuals who live in an approved underserved area in Salt Lake County.
Employers and groups
- Membership is open to employees or members of an approved SEG group or association.
Family and household
- Membership is open to individuals related to an existing member of American United FCU.
Cost to join
- A $5 fee applies if qualifying for membership by joining the Financial Fitness Association.
- Opening a Primary, Youth, or GoldStar Savings Account requires a $5 minimum deposit at opening and maintaining a $5 minimum balance.
Branches
11 branches in 2 states
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Utah
8 branches
Salt Lake City area · 7
- West JordanMain office2687 W 7800 S, West Jordan, UT 84088Directions
- Grantsville458 E Main St, Grantsville, UT 84029Directions
- 8th South208 E 800 S, Salt Lake City, UT 84111Directions
- Vamcu500 Foothill Dr, Salt Lake City, UT 84148Directions
- Sandy8621 S 700 E, Sandy, UT 84070Directions
- Main Street3226 S Main St, South Salt Lake, UT 84115Directions
- West Valley5688 W Parkway Blvd, West Valley City, UT 84128Directions
Price area · 1
- Sunnyside1 Market St, Sunnyside, UT 84539Directions
California
3 branches
- 1st Californian47993 Morongo Trl Ste 101, Cabazon, CA 92230Directions
- 1st Californian - Twenty-Nine Palms46200 Harrison Pl, Coachella, CA 92236Directions
- 1st Californian - Soboba23333 Soboba Rd, San Jacinto, CA 92583Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.48% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio11.48%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of American United Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.