Credit union · NCUA insured
Deseret First Credit Union
Top CarrotA $1.3B credit union, the 393rd largest of 4,329, headquartered in West Valley City, UT, with 87,493 members and 12 branches in Utah. Best rates: CDs 4.50% and savings 2.00% APY.
Deseret First Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#2 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 Deseret First Credit Union
Founded in 1955, Deseret First Credit Union is a member-owned cooperative serving members across 13 branches from Logan to St. George.
Headquartered in West Valley City, Utah, the credit union focuses on serving members of The Church of Jesus Christ of Latter-day Saints, their families, and affiliated organizations.
- Headquarters
- 3999 W Parkway Blvd, West Valley City, UT 84120
- NCUA charter
- 24708
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of The Church of Jesus Christ of Latter-day Saints or affiliated organizations and select employer groups are eligible for membership.
- Current employees of Deseret First Credit Union are eligible for membership.
Family and household
- Immediate family of eligible members qualify for credit union membership.
Other ways
- Members of The Church of Jesus Christ of Latter-day Saints are eligible for membership.
Cost to join
- A $5 initial membership share deposit is required to establish membership.
Branches
12 branches in Utah
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Utah
12 branches
Salt Lake City area · 6
- Operations CenterMain office3999 W Parkway Blvd, West Valley City, UT 84120Directions
- Murray6060 S Fashion Blvd, Murray, UT 84107Directions
- City Creek Center50 E South Temple, Ste 232, Salt Lake City, UT 84111Directions
- Sandy Quarry Bend9325 S Village Shop Dr, Sandy, UT 84094Directions
- South Jordan10588 S Redwood Rd, South Jordan, UT 84095Directions
- Taylorsville3225 W 4700 S, Taylorsville, UT 84129Directions
Ogden area · 2
- Bountiful Branch260 N 500 W, Bountiful, UT 84010Directions
- West Point Branch267 N 2000 W, West Point, UT 84015Directions
Provo area · 2
- Orem337 N State St, Orem, UT 84057Directions
- Spanish Fork1137 N Canyon Creek Pkwy, Spanish Fork, UT 84660Directions
Logan area · 1
- Logan1610 N Main St, Logan, UT 84341Directions
St. George area · 1
- St. George616 S River Rd, St. George, UT 84790Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.59% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.75% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.90% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalNet worth ratio8.59%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.75%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Deseret First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.