Credit union · NCUA insured
Ridgeline Credit Union
Top CarrotA $27M credit union headquartered in Salt Lake City, UT, with 1,495 members and 1 branch in Utah. Best rates: CDs 4.20% and savings 1.01% APY.
Ridgeline Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#6 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 Ridgeline Credit Union
Ridgeline Credit Union is a member-owned, not-for-profit financial institution based in downtown Salt Lake City, Utah.
The credit union was formerly known as Utah Federal Credit Union.
- Headquarters
- 564 E 300 S, Salt Lake City, UT 84102
- NCUA charter
- 7546
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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship, volunteer, or attend school in Salt Lake City, Utah.
Employers and groups
- Employees of Ridgeline Credit Union are eligible for membership.
Family and household
- Membership is open to members of the immediate family (spouse, child, sibling, parent, grandparent, grandchild, including step- and adoptive relationships) or household of eligible persons, and organizations of such persons.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Businesses and other legal entities located in Salt Lake City, Utah are eligible for membership.
- Members of record as of September 26, 2017 are eligible for membership.
Cost to join
- Membership requires a $25.00 share deposit representing a share in the credit union.
Branches
1 branch in Utah
Loading map…
Utah
1 branch
- Corporate OfficeMain office564 E 300 S, Salt Lake City, UT 84102Directions
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 | 9.23% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.91% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.32% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $51 | $59 | — |
- CapitalNet worth ratio9.23%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.91%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.32%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$51Peers’ 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 Ridgeline Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.