Credit union · NCUA insured
Utah Heritage Credit Union
Top CarrotA $160.8M credit union headquartered in Moroni, UT, with 8,889 members and 5 branches in Utah. Best rates: CDs 4.25% and savings 0.50% APY.
Utah Heritage Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#33 of 69 in UtahHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Utah Heritage Credit Union
Utah Heritage Credit Union was organized in 1969 as Moroni Feed Credit Union and is owned and directed by its members.
Originally serving Sanpete County, the credit union expanded to include Sevier County in 2004 and adopted its current name in 2009.
- Headquarters
- 84 W Main St, Moroni, UT 84646
- NCUA charter
- 67076
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Residents of Sanpete and Sevier Counties are eligible for membership.
Employers and groups
- Employees or patrons of Pitman Farms (formerly Moroni Feed Company or Norbest) are eligible for membership.
Family and household
- Family members of an existing Utah Heritage Credit Union member are eligible for membership.
Cost to join
- Members must maintain a minimum balance of $25 in their share account, while minors under 18 may open an account for $5 with six months to reach the $25 minimum.
Branches
5 branches in Utah
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Utah
5 branches
Moroni area · 2
- Moroni OfficeMain office84 W Main St, Moroni, UT 84646Directions
- Moroni Operations Center62 W Main St, Moroni, UT 84646Directions
Ephraim area · 1
- Ephraim Branch268 S MAIN St, Ephraim, UT 84627Directions
Gunnison area · 1
- Gunnison Office520 S Main St, Gunnison, UT 84634Directions
Mount Pleasant area · 1
- Mt Pleasant Branch570 W Horseshoe Mountain Ln, Mount Pleasant, UT 84647Directions
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 | 12.36% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.51% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.67% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio12.36%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.51%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.67%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ 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 Utah Heritage Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.