Credit union · NCUA insured
Utilities Employees Credit Union
Top CarrotA $1.5B credit union, the 323rd largest of 4,329, headquartered in Wyomissing, PA, with 64,013 members and 2 branches in Pennsylvania. Best rates: CDs 4.20% and savings 1.15% APY.
Utilities Employees Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#1 of 21 in Reading, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Utilities Employees Credit Union
Chartered in 1934 as a cooperative organization for East Coast gas and electric utility employees, Utilities Employees Credit Union now serves utility and energy workers nationwide.
Headquartered in Wyomissing, Pennsylvania, the credit union expanded its field of membership statewide to all Pennsylvania residents in 2021.
- Headquarters
- 11 Meridian Blvd, Wyomissing, PA 19610
- NCUA charter
- 64896
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This may be incomplete or out of date, so check with the credit union before you apply.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 Pennsylvania can join UECU through the Pennsylvania Consumer Council (PACC).
Employers and groups
- Employees and retirees of UECU's Partner Companies are eligible for membership.
Family and household
- Spouses, domestic partners, children and stepchildren, grandchildren, parents and stepparents, and siblings of existing UECU members are eligible to join.
Cost to join
- Membership in UECU is free with no cost to join.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
Reading area · 1
- Utilities Employees Credit UnionMain office11 Meridian Blvd, Wyomissing, PA 19610Directions
East Stroudsburg area · 1
- NEPA Office Location337 Clay Ave, Stroudsburg, PA 18360Directions
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 | 15.73% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.26% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.54% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $63 | $88 | — |
- CapitalNet worth ratio15.73%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.26%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$63Peers’ 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 Utilities Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.