Credit union · NCUA insured
Members First Credit Union
A $206.1M credit union headquartered in Brigham City, UT, with 13,576 members and 3 branches in Utah. Best rates: CDs 4.35% and savings 0.15% APY.
Members First Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#6 of 10 in Brigham City, UT-ID metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members First Credit Union
Members First Credit Union is a member-owned credit union headquartered in Brigham City, Utah, founded in 1958 as Thiokol (Utah Division) Employees Credit Union.
Originally renamed Thiokol Employees Credit Union in 1967, it opened membership to the community in 1986 and adopted the Members First Credit Union name in 1995.
The credit union expanded with full-service branches in Tremonton in 2007 and Providence in 2017.
- Headquarters
- 120 E 1000 S, Brigham City, UT 84302-4357
- NCUA charter
- 67153
Branches
3 branches in Utah
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Utah
3 branches
Brigham City area · 2
- Main OfficeMain office120 E 1000 S, Brigham City, UT 84302Directions
- Tremonton Office65 S 1000 W, Tremonton, UT 84337Directions
Logan area · 1
- Providence Office49 N Highway 165, Providence, UT 84332Directions
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 | 14.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio14.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ 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 Members 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.