Credit union · NCUA insured
Millard County Credit Union
A $64.3M credit union headquartered in Fillmore, UT, with 4,561 members and 2 branches in Utah. Best rates: CDs 4.20% and savings 0.75% APY.
Millard County Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#39 of 69 in UtahHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Millard County Credit Union
Millard County Credit Union is a member-owned credit union founded in 1956.
Originally founded as M.E.A. Credit Union, it was renamed in 1982 and operates branches in Delta and Fillmore, Utah.
- Headquarters
- 45 S Main St, Fillmore, UT 84631-5505
- NCUA charter
- 60494
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live in Millard County, Utah are eligible for membership.
Family and household
- Immediate family members (spouses, parents, children, siblings, grandparents, grandchildren) living in Utah of a current Millard County Credit Union member are eligible for membership.
- Household members living in Utah of a current Millard County Credit Union member are eligible for membership.
Cost to join
- Opening a share (savings) account requires a minimum deposit of $25.50.
Branches
2 branches in Utah
Loading map…
Utah
2 branches
Fillmore area · 1
- Fillmore, UtahMain office45 S Main St, Fillmore, UT 84631Directions
Delta area · 1
- Delta, Utah109 S 300 E, Delta, UT 84624Directions
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 | 11.81% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.64% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.05% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio11.81%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.64%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.05%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Millard County Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.