Credit union · NCUA insured
P&S Credit Union
Top CarrotA $24.6M credit union headquartered in Salt Lake City, UT, with 2,156 members and 2 branches in 2 states. Best rates: CDs 4.10% and savings 1.20% APY.
P&S Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#15 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About P&S Credit Union
P&S Credit Union was organized in 1956 for the members of Plumbers and Steamfitters Local Union #19.
- Headquarters
- 2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119-1356
- NCUA charter
- 67056
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to residents of Salt Lake County.
Employers and groups
- Membership is open to Boilermakers & Welders Local #182.
- Membership is open to former employees and their family of Elias Morris & Sons Co. (EMSCO).
- Membership is open to Heat & Frost Insulators Local #69.
- Membership is open to Iron Workers Local #27.
- Membership is open to U.A. Local 140 Pipefitters, Plumbers, HVAC & R.
4 more ways to join
Military, government and schools
- Membership serves Utah Career Center.
- Membership is open to Utah Prison Employees (Former UPECU Credit Union Members).
Family and household
- Membership is open to family members of current members.
- Membership is open to family members of Local Union members.
Cost to join
- A $25 Share (Savings) Account deposit is required to establish membership.
Branches
2 branches in 2 states
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Georgia
1 branch
- Shares Service Center1845 Satellite Blvd, Suite#300, Duluth, GA 30097Directions
Utah
1 branch
- Prison Branch1480 N 8000 W, Salt Lake City, UT 84116Directions
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 | 12.09% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.02% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.86% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $72 | $59 | — |
- CapitalNet worth ratio12.09%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.02%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$72Peers’ 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 P&S Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.