Utah Community Credit Union (UCCU) Overview
Utah Community Credit Union (UCCU) was founded in 1956 by seven employees of Brigham Young University (BYU) under the name BYU Federal Credit Union. Due to the lack of resources at the time, the credit union operated inside a university building, and according to historical accounts, cash was even stored in a bathtub.
Today, UCCU is the fourth-largest credit union in the state of Utah, with 300+ employees and 200,000+ members. Most of its members are located in Utah County.
- 1-800-453-8188
- 1-801-223-8188 (calls and text messages)
Customer Service Hours:
- Monday–Friday: 8:00 AM – 6:00 PM
- Saturday: 9:00 AM – 2:00 PM
- Sunday: Closed
Utah Community Credit Union
360 W 4800 N Suite E160
Provo, UT 84604
Cities with Utah Community Credit Union branches in Utah:
American Fork, Draper, Heber City, Herriman, Highland, Lehi, Nephi, Orem, Payson, Pleasant Grove, Provo, Salem, Santaquin, Saratoga Springs, Spanish Fork, Springville, Vineyard.
Expansion
From its beginnings, UCCU has experienced steady growth, expanding its services throughout Utah, with a strong concentration in Utah County. Over time, BYU Federal Credit Union moved locations and in 1977 became known as Universal Campus Credit Union (UCCU), opening its first official branch in Provo.
Today, the institution is known as Utah Community Credit Union, reflecting its statewide expansion.
In September 2024, UCCU announced the acquisition of TransWest Credit Union, which added 4 branch locations.
Products and Services
Utah Community Credit Union (UCCU) offers a variety of financial products for its members, including:
- Checking and Savings Accounts – Multiple options to manage and save money
- Loans – Personal loans, auto loans, and recreational vehicle loans
- Mortgages – Home purchase and refinancing options
- Credit Cards – With benefits and rewards programs
In addition, UCCU offers online banking, mobile banking, financial counseling, and insurance services.
uccu.com | Products
UCCU Checking Accounts
All UCCU checking accounts include free online banking, free mobile banking, direct deposit, and a Visa debit card.
UCCU offers the following checking account options:
Basic Checking
- $0 monthly fee
- $0 balance requirement.
- Free account with Visa debit card
- Direct deposit
- Online and mobile banking
- Access to 30,000+ surcharge-free ATMs through the CO-OP network
Elevated Checking
- Monthly fee: $6 (automatically waived up to age 25)
- $0 monthly fee if you meet one of the following:
- $500+ in direct deposit
- 15+ debit card transactions
- $1,500+ average daily balance
- Roadside Assistance (towing, tire changes, and more)
- 0.25% loan rate discount on new loans
- Overdraft forgiveness (2 reimbursements per year)
Elevated Plus Checking
- Monthly fee: $10
- Cell phone protection up to $600 per claim (max $1,000 per year)
- 24/7 telemedicine, $0 copay
- 24/7 roadside assistance
- Interest earned on checking balance
- 0.25% loan rate discount
- Overdraft forgiveness (2 reimbursements per year)
Youth Checking
- $0 monthly fee
- $0 minimum balance
- For children 6 years and older
- Includes debit card
- Choice of 4 card designs
- Access to 30,000+ CO-OP ATMs
UCCU Savings Accounts
Regular Savings Account
- $5 minimum deposit to open and maintain membership
- Allows deposits and withdrawals at any time
- NCUA federally insured
- Ability to open multiple savings accounts under one membership
Savings Certificates
- Fixed-term savings accounts
- Higher dividends than regular savings
- Terms range from 3 months to 60 months (5 years)
- Jump Up Certificate Rates that could give you more flexibility.
Money Market Account (MMA)
- UCCU’s Money Market Account offers higher interest rates than standard savings accounts while allowing flexible access.
- Higher dividends based on balance
- Designed to protect principal
- Unlimited monthly withdrawals
UCCU Credit Cards
uccu.com | Credit Cards
Utah Community Credit Union offers three personal Visa credit cards designed to match different spending habits and financial goals. Members can choose the Low Rate Visa Credit Card, which focuses on maintaining a lower ongoing interest rate for purchases and balance transfers, or one of two rewards cards: the 4-3-2-1 Everyday Cash Back Visa, which earns elevated cash back on categories such as utilities, subscriptions, gas, and groceries, and the 4-3-2-1 Travel Cash Back Visa, which is tailored for travel and dining-related spending.
All UCCU credit cards include modern security features, digital wallet compatibility with Apple Pay and Google Pay, and straightforward terms, giving members flexible options whether they prioritize lower interest costs or earning cash back on everyday purchases and travel.
Low Rate Visa Credit Card
- $0 annual fee
- Designed for lower ongoing interest rates on purchases and balance transfers
- Ideal if you want to save on interest and keep costs predictable
- Best suited for carrying a balance or consolidating higher-interest debt
4-3-2-1 Everyday Cash Back Visa Credit Card
- $0 annual fee
- Perfect for members who pay their balance in full each month and want to maximize everyday rewards
- 4% cash back on subscriptions and utilities
- 3% cash back on gas
- 2% cash back on groceries
- 1% cash back on all other purchases
4-3-2-1 Travel Cash Back Visa Credit Card
- $50 annual fee
- Great for travel enthusiasts looking for higher travel-related rewards
- 3% cash back on gas
- 2% cash back on restaurants
- 1% cash back on all other purchases
Loans
Utah Community Credit Union offers a variety of consumer loan options designed to help members finance everyday needs, major purchases, and personal projects. These loans are intended to provide competitive rates, flexible terms, and straightforward repayment options.
Personal Loans
- Unsecured loans for a wide range of uses
- Common uses include debt consolidation, emergency expenses, and large purchases
- Fixed monthly payments with set repayment terms
Auto Loans
- Financing for new and used vehicles
- Options to refinance existing auto loans
- Competitive rates and flexible loan terms
Recreational Vehicle Loans
- Loans for motorcycles, boats, RVs, ATVs, and UTVs
- Designed for seasonal and recreational purchases
Share-Secured Loans
- Loans secured by funds in a UCCU savings account or savings certificates
- Typically offer lower interest rates due to reduced risk
Mortgage Loans
Utah Community Credit Union offers a comprehensive range of mortgage and home financing options designed to support members through every stage of homeownership — from first homes to refinancing and construction projects.
Traditional Mortgage Loans
- Home purchase and refinance options with fixed or adjustable terms
- Designed to meet a variety of borrowing needs for qualified buyers
First-Time Homebuyer Programs
- Assistance and flexible financing designed to help first-time buyers achieve homeownership
- Includes options for reduced down payments and specialty programs available through Utah housing partnerships
Construction and Lot/Land Loans
- Financing options to build a new home or purchase land intended for future construction
- Designed to support long-term homebuilding plans
Home Equity Lines of Credit (HELOCs)
- Allows members to borrow against the equity in their home
- Provides flexible access to funds for remodeling, debt consolidation, or other needs
Who Can Become a Member of UCCU?
Utah Community Credit Union is a member-owned financial cooperative, which means access to its accounts and loans is limited to individuals who qualify under its field of membership. Eligibility is based on connection, not residency alone.
In general, membership may be available to individuals with one or more of the following connections:
Employment-based eligibility
- Individuals whose employer participates in or is connected to UCCU’s field of membership
Family or household eligibility
- Immediate family members or household members of an existing UCCU member
- This pathway allows membership to extend across generations and households
Organizational or association eligibility
- Individuals affiliated with certain organizations or associations that qualify under UCCU’s membership guidelines
To activate membership, applicants are typically required to open a Share Savings account with a minimum $5 deposit, which represents ownership in the credit union. Once established, members gain access to UCCU’s full suite of financial products and services.
Because eligibility pathways can change, prospective members should confirm current requirements directly with UCCU before applying.
Conclusion
Utah Community Credit Union was founded in 1956 as BYU Federal Credit Union by employees of Brigham Young University and has grown steadily into one of Utah’s largest credit unions. Over time, UCCU has expanded its branch network, service areas, and digital banking capabilities, reflecting its long-term presence and role within Utah’s financial landscape.
Today, UCCU offers a broad range of financial products, including checking and savings accounts, consumer loans, credit cards, and home financing options. Access to these services is available to individuals who qualify for membership through employment connections, family or household relationships, or organizational affiliations. For those who meet the eligibility requirements, Utah Community Credit Union provides a member-owned alternative to traditional banks with a wide selection of personal financial services.
Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Utah Community Credit Union. The information provided in this overview may be outdated or inaccurate after the publication date. UtahFi does not assume responsibility for the accuracy of the content. The logo is a registered trademark of Utah Community Credit Union.
