Credit union · NCUA insured
Pacific Horizon Credit Union
Top CarrotA $141.6M credit union headquartered in Springville, UT, with 8,664 members and 3 branches in Utah. Best rates: CDs 4.00% and savings 1.50% APY.
Pacific Horizon Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#12 of 25 in Provo, UT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pacific Horizon Credit Union
Pacific Horizon Credit Union has been in operation since 1954, when it was started by employees of Pacific States Cast Iron Pipe Company.
The credit union operates branch locations in Springville, Spanish Fork, and Payson, Utah.
- Headquarters
- 96 E Center St, Springville, UT 84663
- NCUA charter
- 67147
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This may be incomplete or out of date, so check with the credit union before you apply.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 Utah County who maintain a share account balance of $5.00.
Cost to join
- Members must maintain a share account balance of $5.00.
Branches
3 branches in Utah
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Utah
3 branches
- Springville BranchMain office96 E Center St, Springville, UT 84663Directions
- Payson Branch191 S 100 W, Payson, UT 84651Directions
- Spanish Fork Branch375 E 300 S, Spanish Fork, UT 84660Directions
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 | 9.30% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.81% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.96% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio9.30%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.81%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.96%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ 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 Pacific Horizon Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.