Credit union · NCUA insured
Utah Heritage Credit Union Credit Card Rates
Top CarrotUtah Heritage Credit Union credit cards start at 12.24% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Utah Heritage Credit Union’s credit card rates compare
Compared with banks and credit unions in Utah, where Utah Heritage Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Utah Heritage Credit Union
12.24%APR
- Annual fee
- None
VISA Credit Card with Rewards
Lowest rate
Ascent Credit Union
8.71%APR
- Annual fee
- $50
2nd-lowest rate
KINGS PEAK CREDIT UNION
8.74%APR
- Annual fee
- None
Utah Heritage Credit Union credit card score
71
Credit card score
Higher than 29% of U.S. banks and credit unions
- Purchase APRPurchase APR12.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utah Heritage Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Credit Card with Rewards
All rates are on approved credit and based on credit experience. Rates disclosed are best rates; rate could be higher based on credit history, FICO score, and term. 25-day payment grace period. No cash advance fees. No transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.24% | None | Variable rate. |
Sources (4)
All captured Oct 7, 2026
Who can join Utah Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.