Which Credit Unions Have the Most Branches in Utah?
Utah residents who prefer in-person banking may want to know which credit unions provide the most physical branch access across the state. This ranking identifies the credit unions with the most branches in Utah based on qualifying full-service locations operated by each institution.
The ranking measures physical presence—not assets, membership, popularity, rates, account quality, or overall value. It includes active Utah branches where members can receive regular banking services while excluding ATMs, standalone interactive teller machines, shared branches operated by other credit unions, and locations without regular member service.
Having more branches can make in-person banking more convenient, but it does not automatically make a credit union better. Membership eligibility, account features, fees, rates, digital tools, service, and geographic fit can also matter. For recommendations based on a broader set of factors, see UtahFi’s Best Credit Unions in Utah guide.
This ranking covers credit unions only. For a separate comparison of bank locations, see UtahFi’s Top 10 Banks With the Most Branches in Utah.
Credit Unions With the Most Branches in Utah: Ranking at a Glance
The 10 credit unions in this ranking operate a combined 334 qualifying branches in Utah. America First Credit Union has the largest Utah branch network, with 87 locations, followed by Mountain America Credit Union with 74 and Goldenwest Credit Union with 47.
| Rank | Credit Union | Branches | Cities |
|---|---|---|---|
| 1 | America First Credit Union | 87 | 53 |
| 2 | Mountain America Credit Union | 74 | 53 |
| 3 | Goldenwest Credit Union | 47 | 35 |
| 4 | Utah Community Credit Union (UCCU) | 27 | 23 |
| 5 | Cyprus Credit Union | 25 | 20 |
| 6 | Canyon View Credit Union | 21 | 14 |
| 7 | Granite Credit Union | 14 | 13 |
| 8 | Deseret First Credit Union | 13 | 13 |
| 9 | Security Service Federal Credit Union | 13 | 13 |
| 10 | Chartway Credit Union | 13 | 12 |
UtahFi reviewed this information on September 16, 2026. The primary NCUA branch dataset reports information as of June 30, 2026. The NCUA prepared the file used for this ranking on August 24, 2026. UtahFi also checked official credit-union branch locators on September 16, 2026, to identify openings, closures, duplicate records, and other changes not fully reflected in the quarterly data.
Granite Credit Union ranks 7th with 14 qualifying Utah branches. Deseret First, Security Service, and Chartway each have 13 qualifying branches. Deseret First and Security Service each serve 13 Utah cities across 5 counties and 13 distinct ZIP codes, so alphabetical order determines their positions. Chartway ranks 10th because its 13 branches serve 12 Utah cities.
How This Ranking Works
UtahFi used the NCUA Credit Union and Corporate Call Report Data, including the Credit Union Branch Information file, as the primary source. Official credit-union branch locators were checked to identify openings, closures, duplicate records, and other changes not fully reflected in the quarterly data. The ranking includes federally insured credit unions with at least 1 qualifying Utah branch, including federal- and state-chartered institutions. Privately insured credit unions are not included.
We counted active full-service branches operated by each credit union, including member-facing main offices and qualifying in-store branches. We excluded ATMs, standalone interactive teller machines, shared branches operated by other credit unions, administrative offices, loan and mortgage offices, drive-through-only facilities, and other locations without regular branch service.
Credit unions are ranked using the following order:
- Qualifying Utah branches: The credit union with more branches ranks higher.
- Utah cities served: If branch totals are tied, the credit union serving more cities ranks higher.
- Utah counties served: If the branch and city totals remain tied, the credit union serving more counties ranks higher.
- Distinct Utah ZIP codes served: If the county totals are also tied, the credit union serving more ZIP codes ranks higher.
- Alphabetical order: This is used only if the branch, city, county, and ZIP-code totals all remain tied.
The complete methodology and institution-specific adjustments appear after the individual rankings.
Top 10 Credit Unions With the Most Branches in Utah
The sections below provide a closer look at each credit union’s Utah branch network, including its number of qualifying branches and the number of Utah cities it serves. The summaries focus on physical access, geographic distribution, and the parts of the state where each network is concentrated.
These summaries are not complete credit-union reviews or recommendations. Branch count does not measure account quality, rates, fees, digital banking, member service, financial strength, or membership eligibility. Each credit union’s logo and UtahFi Profile button link to UtahFi’s broader coverage of that institution.
1. America First Credit Union — 87 Branches in 53 Utah Cities
America First Credit Union operates 87 qualifying branches across 53 Utah cities, giving it the most extensive Utah branch network among the credit unions in this ranking.
Its branches are widely distributed across several regions rather than concentrated in a single metropolitan area. The network is densest along the Wasatch Front, with locations in communities such as Ogden, Layton, Salt Lake City, West Jordan, Provo, and Orem. America First also operates branches in Cache Valley, Tooele, Cedar City, and the St. George area.
This geographic reach gives members physical branch access in many of Utah’s larger population centers as well as several smaller communities. Learn more about the institution in UtahFi’s America First Credit Union profile.
2. Mountain America Credit Union — 74 Branches in 53 Utah Cities
Mountain America Credit Union operates 74 qualifying branches across 53 Utah cities. Its Utah network combines substantial Wasatch Front coverage with branches in regional communities throughout central, eastern, and southern Utah.
Mountain America serves major population centers such as Salt Lake City, Ogden, Provo, Orem, Logan, and St. George. Its network also reaches communities outside the Wasatch Front, including Altamont, Duchesne, Ephraim, Kanab, Moab, Price, Richfield, Roosevelt, and Vernal.
The result is a geographically distributed network that provides physical access across many different parts of the state. Learn more about the institution in UtahFi’s Mountain America Credit Union profile.
3. Goldenwest Credit Union — 47 Branches in 35 Utah Cities
Goldenwest Credit Union operates 47 qualifying branches across 35 Utah cities. Its branch network is anchored in northern Utah, particularly in Weber, Davis, and Cache counties.
Goldenwest has locations in communities such as Ogden, Roy, Layton, Bountiful, Brigham City, Logan, and Providence. Its network also extends south through the Salt Lake and Utah County areas, with branches in cities including Salt Lake City, Sandy, Lehi, Orem, Pleasant Grove, Spanish Fork, and Springville. Southern Utah locations include Hurricane and St. George.
The network remains most concentrated around Goldenwest’s northern Utah roots while providing additional coverage along the Wasatch Front and in southwestern Utah. Some locations operate under Goldenwest division brands; their treatment is explained in the methodology section. Learn more in UtahFi’s Goldenwest Credit Union profile.
4. Utah Community Credit Union (UCCU) — 27 Branches in 23 Utah Cities
Utah Community Credit Union (UCCU) operates 27 qualifying branches across 23 Utah cities. Its branch network is concentrated primarily in Utah County, where the credit union was founded and maintains its strongest physical presence.
UCCU serves communities including Provo, Orem, American Fork, Lehi, Pleasant Grove, Payson, Spanish Fork, Springville, Saratoga Springs, and Vineyard. Outside Utah County, its network extends into Salt Lake County through locations in communities such as Draper, Herriman, Magna, Salt Lake City, Sandy, and Taylorsville. It also has branches in Heber City and Nephi.
This gives UCCU a concentrated regional network centered on Utah County, with additional coverage in nearby parts of the Wasatch Front and central Utah. Learn more about the institution in UtahFi’s Utah Community Credit Union profile.
5. Cyprus Credit Union — 25 Branches in 20 Utah Cities
Cyprus Credit Union operates 25 qualifying branches across 20 Utah cities. Its network is concentrated primarily in Salt Lake County, where it serves communities throughout the Salt Lake Valley.
Cyprus has locations in cities such as Salt Lake City, West Jordan, West Valley City, Magna, Midvale, Sandy, South Jordan, Taylorsville, and Draper. Its network also reaches Tooele and northern Davis County, while branches in Hurricane and St. George provide access in southwestern Utah.
The credit union expanded into southern Utah County through its merger with Nebo Credit Union, whose locations in Payson, Spanish Fork, and Springville continue operating as a division of Cyprus. This gives Cyprus a concentrated Salt Lake Valley network with smaller branch clusters in Utah County and southwestern Utah. Learn more in UtahFi’s Cyprus Credit Union profile.
6. Canyon View Credit Union — 21 Branches in 14 Utah Cities
Canyon View Credit Union operates 21 qualifying branches across 14 Utah cities. Its network is concentrated mainly in the Salt Lake Valley, with additional locations in Utah County, Davis County, and southwestern Utah.
Salt Lake County locations include communities such as Salt Lake City, Cottonwood Heights, Holladay, Sandy, Riverton, South Jordan, West Jordan, and West Valley City. Canyon View also serves Eagle Mountain, Lehi, and Saratoga Springs in northern Utah County, along with Bountiful in Davis County and St. George in Washington County.
Canyon View’s network is therefore concentrated along the Wasatch Front rather than evenly distributed across the state. Its St. George location provides a separate point of physical access in southern Utah. Learn more about the institution in UtahFi’s Canyon View Credit Union profile.
7. Granite Credit Union — 14 Branches in 13 Utah Cities
Granite Credit Union operates 14 qualifying branches across 13 Utah cities. Its network remains concentrated primarily in Salt Lake County, with additional branches in Davis, Weber, and Utah counties.
Salt Lake County locations include Millcreek, Midvale, Riverton, Salt Lake City, Sandy, South Jordan, Taylorsville, West Jordan, and West Valley City. Granite also operates branches in Clearfield, Ogden, Eagle Mountain, and American Fork.
Granite’s official branch page now identifies its American Fork Rancho Markets location as open. Because it is an institution-operated, member-facing in-store branch, it qualifies under this ranking’s methodology and expands Granite’s network to 14 branches in 13 cities. Learn more in UtahFi’s Granite Credit Union profile.
8. Deseret First Credit Union — 13 Branches in 13 Utah Cities
Deseret First Credit Union operates 13 qualifying branches in 13 Utah cities. Its network extends from Logan in northern Utah to St. George in southwestern Utah, with additional branches in Bountiful, West Point, Salt Lake City, Murray, Sandy, South Jordan, Taylorsville, West Valley City, Orem, Provo, and Spanish Fork.
The branch network reaches 5 Utah counties and is distributed across the Wasatch Front, Cache Valley, and Washington County rather than being concentrated in one metropolitan area. Additional information about the institution, its history, and membership eligibility is available in our Deseret First Credit Union profile.
9. Security Service Federal Credit Union — 13 Branches in 13 Utah Cities
Security Service Federal Credit Union operates 13 qualifying branches across 13 Utah cities. Unlike several credit unions in this ranking, each of its qualifying Utah branches is located in a different city.
Its Utah network extends from Riverdale and Bountiful in northern Utah to communities throughout the Salt Lake and Utah valleys, including Sandy, South Jordan, Riverton, Taylorsville, American Fork, Orem, Pleasant Grove, Provo, Payson, and Springville. Security Service also operates a branch in St. George.
This creates a geographically distributed Utah network spanning five counties, even though Security Service is headquartered in San Antonio, Texas. Its 13-city footprint also places it ahead of Chartway under the ranking’s city-based tiebreaker. Learn more in UtahFi’s Security Service Federal Credit Union profile.
10. Chartway Credit Union — 13 Branches in 12 Utah Cities
Chartway Credit Union operates 13 qualifying Utah branches across 12 cities. Its northern Utah network includes Salt Lake City, Murray, Herriman, West Jordan, West Valley City, Grantsville, Stansbury Park, and Tooele. It also serves Cedar City, Hurricane, Washington, and St. George in southwestern Utah.
Chartway’s Utah network is divided between the Wasatch Front, Tooele County, and southwestern Utah rather than being concentrated in one metropolitan area. St. George is the only Utah city with 2 qualifying Chartway branches. Additional information about the institution, its history, and membership eligibility is available in our Chartway Credit Union profile.
How We Counted Utah Credit Union Branches
UtahFi used the NCUA Call Report Quarterly Data as the main source for this ranking. UtahFi reviewed the information on September 16, 2026. The NCUA branch data reports information as of June 30, 2026. The NCUA prepared the file used for this ranking on August 24, 2026.
The ranking includes federally insured credit unions with qualifying Utah branches, including federal- and state-chartered institutions. Privately insured credit unions are not included. UtahFi also checked official credit-union branch locators to identify openings, closures, duplicate records, and other changes not fully reflected in the quarterly data.
Branches We Included
- Active full-service branches operated by the credit union
- Member-facing main offices that provide regular branch banking
- Qualifying branches located inside stores or other retail locations
Locations We Did Not Include
- ATMs
- Standalone interactive teller machines that are not part of a full-service branch
- Shared branches operated by another credit union
- CO-OP Shared Branch locations that the ranked credit union does not operate
- Online-only and telephone-banking records
- Administrative and corporate offices without regular member service
- Loan production offices
- Mortgage offices
- Drive-through-only facilities
- Financial-advisor and investment offices
- Upcoming locations that had not opened
- Permanently closed or inactive locations
- Other specialty locations that do not provide regular branch banking
Participation in a shared-branching network does not mean that every participating location belongs to the credit union. We counted only qualifying Utah branches operated by the institution being ranked.
How We Counted Cities and Handled Ties
Each Utah city was counted once for every credit union with at least one qualifying branch there. Different versions of the same city name, such as “Saint George,” “St George,” and “St. George,” were combined and counted as one city.
Credit unions were ranked using the following order:
- Qualifying Utah branches: The credit union with more branches ranks higher.
- Utah cities served: If branch totals are tied, the credit union serving more cities ranks higher.
- Utah counties served: If the branch and city totals remain tied, the credit union serving more counties ranks higher.
- Distinct Utah ZIP codes served: If the county totals are also tied, the credit union serving more ZIP codes ranks higher.
- Alphabetical order: This is used only if the branch, city, county, and ZIP-code totals all remain tied.
Deseret First Credit Union and Security Service Federal Credit Union each have 13 qualifying Utah branches serving 13 cities, 5 counties, and 13 distinct ZIP codes. Because all 4 measures remain tied, alphabetical order places Deseret First ahead of Security Service. Chartway Credit Union also has 13 qualifying branches but ranks lower because it serves 12 Utah cities.
How We Counted Goldenwest Division Branches
USU Credit Union operates as a division of Goldenwest Credit Union. Qualifying Utah branches operated under the USU Credit Union name were counted as part of Goldenwest because they belong to the same federally insured credit union. They were not treated as a separate institution. Shared branches operated by other credit unions were excluded.
How We Counted Deseret First Credit Union
The June 30, 2026 NCUA branch data does not include Deseret First Credit Union’s Provo branch. Deseret First’s current official location directory identifies the Provo location at 695 E. 800 N. as an open branch that provides regular member services.
UtahFi therefore counted the officially listed Provo branch, bringing Deseret First’s total to 13 qualifying branches in 13 Utah cities. Shared branches and CO-OP ATMs appearing through Deseret First’s locator were not counted.
What the Ranking Shows
America First Credit Union Has Utah’s Largest Branch Network
America First Credit Union leads the ranking with 87 qualifying branches in 53 Utah cities. It has 13 more branches than Mountain America Credit Union, although both credit unions serve 53 cities. America First’s lead therefore comes from operating more branches within its Utah service area rather than serving more cities.
Utah-Based Credit Unions Dominate the Ranking
The first 8 credit unions in the ranking are headquartered in Utah: America First, Mountain America, Goldenwest, Utah Community Credit Union, Cyprus, Canyon View, Granite, and Deseret First. Security Service Federal Credit Union is headquartered in Texas, while Chartway Credit Union is headquartered in Virginia. Both operate multistate branch networks that include Utah.
Branch Count and City Coverage Are Different
Having more branches does not always mean serving more cities. America First and Mountain America both serve 53 Utah cities, but America First operates 13 more branches. Granite Credit Union operates 14 branches in 13 cities, while Deseret First and Security Service each operate 13 branches in 13 cities. Chartway also has 13 branches but serves 12 cities.
This difference shows whether a credit union concentrates multiple branches in some cities or distributes its locations across more communities.
More Branches Does Not Automatically Mean a Credit Union Is Better
This ranking measures only physical branch access in Utah. It does not compare account options, fees, rates, member service, digital tools, membership benefits, or other factors that may matter when choosing a credit union.
A credit union with fewer branches may still be a better match for someone who rarely needs in-person service or prefers its membership structure, products, or digital banking tools. For broader recommendations based on different financial needs, see our Best Credit Unions in Utah guide.
Branch Access Does Not Guarantee Membership Eligibility
Credit unions have membership requirements. Eligibility may depend on where a person lives, works, worships, or attends school, or on employment, military service, family relationships, religious affiliation, or membership in a qualifying organization.
A credit union may operate many branches in Utah without being open to everyone. Prospective members should confirm eligibility directly with the credit union before applying.
Frequently Asked Questions
What are the credit unions with the most branches in Utah?
America First Credit Union has the most qualifying Utah branches in this ranking, with 87 branches in 53 cities. This refers specifically to its physical branch network in Utah, not its assets, membership, products, or overall size.
Does this ranking include banks?
No. This ranking includes only federally insured credit unions with qualifying physical branches in Utah. Banks are covered separately in our Top 10 Banks With the Most Branches in Utah ranking.
Are shared branches counted?
Shared branches are counted only when the ranked credit union operates the location itself. We did not count branches operated by other credit unions, even when members of the ranked institution can complete transactions there through the CO-OP Shared Branch network or another shared-branching arrangement.
Are ATMs counted as branches?
No. ATMs and standalone interactive teller machines are not counted as branches. An ATM located at a qualifying full-service branch does not affect the branch count.
Can anyone join the credit unions in this ranking?
Not necessarily. Credit unions have membership requirements that may be based on geography, employment, military service, school attendance, religious affiliation, family relationships, or participation in an eligible organization. Eligibility should be confirmed directly with the credit union before applying.
How often does the NCUA update its branch data?
The NCUA publishes Call Report data quarterly. The reporting dates are generally March 31, June 30, September 30, and December 31. Updated files are released after the NCUA processes the information submitted for each reporting period, so a recent opening or closure may not appear immediately.
How often does UtahFi update this ranking?
UtahFi reviews this ranking quarterly after updated NCUA data becomes available. We may update it sooner following a merger, acquisition, rebrand, major branch opening, closure, or other material change affecting the ranking.
