Credit union · NCUA insured
Utah First Credit Union
Top CarrotA $1.2B credit union, the 419th largest of 4,329, headquartered in Salt Lake City, UT, with 45,230 members and 11 branches in Utah. Best rates: CDs 4.50% and savings 1.15% APY.
Utah First Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#7 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 Utah First Credit Union
Utah First Credit Union was established on July 23, 1935, originally as the Utah German American Federal Credit Union.
The credit union was formed by German immigrants living in Salt Lake City to serve community members and provide loans to bring their families to America.
- Headquarters
- 200 E South Temple, Salt Lake City, UT 84111
- NCUA charter
- 528
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who join the Community Volunteers of Utah.
Family and household
- Membership is open to individuals who belong to a current member's immediate family.
Branches
11 branches in Utah
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Utah
11 branches
Salt Lake City area · 5
- Salt Lake City BranchMain office200 E South Temple, Salt Lake City, UT 84111Directions
- Cottonwood Heights Branch1166 E Fort Union Blvd, Cottonwood Heights, UT 84047Directions
- Postal First Branch1760 W 2100 S, Salt Lake City, UT 84127Directions
- Sandy Branch9213 S Quarry Bend Dr, Sandy, UT 84094Directions
- South Jordan3642 W 11400 S, South Jordan, UT 84095Directions
Provo area · 2
- American Fork Branch616 W Main St, American Fork, UT 84003Directions
- Provo Branch310 N 100 W, Provo, UT 84601Directions
Ogden area · 2
- Farmington Branch1155 W Park Lane, Farmington, UT 84025Directions
- Woods Cross Branch1520 S 500 W, Woods Cross, UT 84010Directions
St. George area · 2
- St. George2111 E Riverside Dr., St. George, UT 84790Directions
- Washington1603 E Grapevine Crossing Rd, Washington, UT 84780Directions
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 | 10.38% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.13% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.06% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $105 | $88 | — |
- CapitalNet worth ratio10.38%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.13%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.06%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$105Peers’ 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 Utah First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.