Credit union · NCUA insured
UCCU
A $3.9B credit union, the 133rd largest of 4,329, headquartered in Provo, UT, with 268,370 members and 24 branches in Utah. Best rates: savings 1.00% APY.
UCCU Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#14 of 25 in Provo, UT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UCCU
Founded in 1955 by seven BYU faculty members as a not-for-profit cooperative, Utah Community Credit Union is owned by the families and individuals it serves.
Headquartered in Provo, Utah, the credit union expanded through a 2025 merger with TransWest Credit Union and operates 25 full-service branches across Utah.
- Headquarters
- 360 W 4800 N, Provo, UT 84604
- NCUA charter
- 10709
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the Financial Fitness Association to qualify for UCCU membership, and UCCU will pay the one-time membership fee.
- Membership is available to any individuals and businesses in the United States.
Employers and groups
- Eligible to join through qualifying employer or association groups listed on UCCU's Employment & Association List.
Military, government and schools
- Employees of NEBO School District and Provo City School District are eligible for membership.
- Utah Valley University employees, students, Alumni Association members, Athletics, corporate partners, and donors are eligible for membership.
Family and household
- Eligible if a family or household member is already a UCCU member or is eligible for UCCU membership.
1 more way to join
Family and household
- Eligible if someone in your immediate family (including grandparents and blended family connections) or household (living under the same roof) is already a UCCU member.
Cost to join
- $5 to fund the account via credit card or external bank account (only for accounts opened online).
Branches
24 branches in Utah
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Utah
24 branches
Provo area · 18
- HeadquartersMain office360 W 4800 N, Provo, UT 84604Directions
- American Fork196 N West State Rd, American Fork, UT 84003Directions
- Highland5310 W 10700 N, Highland, UT 84003Directions
- Lehi3333 N Digital Dr, Lehi, UT 84043Directions
- Nephi119 N Main St, Nephi, UT 84648Directions
- North Orem305 W 800 N, Orem, UT 84057Directions
- South Orem311 E 800 S, Orem, UT 84097Directions
- Utah Valley University800 W University Pkwy Ste SC101E, Orem, UT 84058Directions
- Payson1012 W 800 S, Payson, UT 84651Directions
- Pleasant Grove105 E State Rd, Pleasant Grove, UT 84062Directions
- East Bay1501 S 40 E, Provo, UT 84606Directions
- Freedom1535 N Freedom Blvd, Provo, UT 84604Directions
- Salem272 N 200 E, Salem, UT 84653Directions
- Santaquin129 E Main St, Santaquin, UT 84655Directions
- Saratoga Springs1364 N Commerce Dr, Saratoga Springs, UT 84045Directions
- Spanish Fork810 N Main St, Spanish Fork, UT 84660Directions
- Springville724 N Main St, Springville, UT 84663Directions
- Vineyard622 North Mill Road, Vineyard, UT 84058Directions
Salt Lake City area · 5
- Draper112 E 12300 S, Draper, UT 84020Directions
- Herriman13372 S Rosecrest Rd, Herriman, UT 84096Directions
- Magna Branch9024 W Magna Main St, Magna, UT 84044Directions
- Salt Lake Branch39 W 2100 S, Salt Lake City, UT 84115Directions
- Sandy Branch10692 S State St, Sandy, UT 84070Directions
Heber area · 1
- Heber875 S Main St, Heber City, UT 84032Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.69% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.38% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.59% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalNet worth ratio10.69%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.38%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.59%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 UCCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.