What are the current interest rates at Utah Community Credit Union?

Current rates for Utah Community Credit Union include: 18-Month CD: 4.50%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Utah Community Credit Union

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Utah Community Credit Union Rates & Review October 2026

Q: Is a member application needed to join Utah Community Credit Union?

Yes, to access services at Utah Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Utah Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Utah Community Credit Union's top rates as of October 10, 2026 are 4.50% APY on its 18 Month Savings CDs CD, rv, boat and powersport loans from 7.24% APR, and credit cards from 10.25% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Utah Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.78%. Rates last updated and verified on 10/10/2026.

Utah Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Utah Community Credit Union? Share your experience about Utah Community Credit Union by leaving a review below, or read customer reviews before you decide to use Utah Community Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Utah Community Credit Union
Headquarters

360 W 4800 N
Provo, UT 84604

https://www.uccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Utah Community Credit Union CD Rates

Product	Rate	APY	Term	View More
18 Month Savings Certificates	-	4.50%	18 Months
Min Deposit $500 Details Early-withdrawal penalties may apply. Fees may reduce earnings. Dividends are credited monthly. Rates and terms are subject to change. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Utah Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	4.24%
Details As Low As; introductory fixed rate for 6 months, 6.99% variable APR (Prime - 0.26%). For loans greater than 80% LTV (loan-to-value) the variable APR is 8.74% (Prime - 1.49%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.99%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Utah Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.99%	5 Years / 60 Months
Details Additional APR listed for this product: 5.24%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 6, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Auto Loans	-	-	5.24%	6 Years / 72 Months
Details Additional APR listed for this product: 5.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 6, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Auto Loans	-	-	5.99%	7 Years / 84 Months
Details Additional APR listed for this product: 6.24%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 6, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Auto Loans	-	-	5.99%	4 Years / 48 Months
Details Additional APR listed for this product: 6.24%. Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 6, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Auto Loans	-	-	6.24%	5 Years / 60 Months
Details Additional APR listed for this product: 6.49%. Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 6, 20266.24%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Auto Loans	-	-	6.74%	6 Years / 72 Months
Details Additional APR listed for this product: 6.99%. Model Year: 2016-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 6, 20266.74%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Utah Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 6, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Boat Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Motorcycle / Scooter Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.49% / low 6.99% Oct 6, 20267.24%▲ from 6.99% Oct 1, 20266.99%▼ from 7.49% Sep 18, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Watercraft Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 6, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
RV Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 6, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Snowmobile Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 6, 20267.24%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Travel Trailer Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
UTV Loans	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 6, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
ATV Loans	-	7.49%	6 Years / 72 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 6, 20267.49%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Boat Loans	-	7.49%	7 Years / 84 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Motorcycle / Scooter Loans	-	7.49%	6 Years / 72 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 6, 20267.49%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Watercraft Loans	-	7.49%	6 Years / 72 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 6, 20267.49%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
RV Loans	-	7.49%	7 Years / 84 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Snowmobile Loans	-	7.49%	6 Years / 72 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 6, 20267.49%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Travel Trailer Loans	-	7.49%	7 Years / 84 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
UTV Loans	-	7.49%	6 Years / 72 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 6, 20267.49%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
ATV Loans	-	7.74%	7 Years / 84 Months
Details Additional APR listed for this product: 7.99%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
ATV Loans	-	7.74%	5 Years
Details Additional APR listed for this product: 7.99%. Term: 5 Years / 60 Months Older Models; Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Boat Loans	-	7.74%	12 Years
Details Additional APR listed for this product: 7.99%. Term: 12 Years / 144 Months; Model Year: 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Boat Loans	-	7.74%	15 Years
Details Additional APR listed for this product: 7.99%. Term: 15 Years / 180 Months; Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Motorcycle / Scooter Loans	-	7.74%	7 Years / 84 Months
Details Additional APR listed for this product: 7.99%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Motorcycle / Scooter Loans	-	7.74%	5 Years / 60 Months
Details Additional APR listed for this product: 7.99%. Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.99% → 7.74% ▲ 0.75 pts · high 7.74% / low 6.99% Oct 6, 20267.74%▲ from 6.99% Oct 1, 20266.99%▼ from 7.49% Sep 18, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Watercraft Loans	-	7.74%	7 Years / 84 Months
Details Additional APR listed for this product: 7.99%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
RV Loans	-	7.74%	12 Years
Details Additional APR listed for this product: 7.99%. Term: 12 Years / 144 Months; Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
RV Loans	-	7.74%	15 Years
Details Additional APR listed for this product: 7.99%. Term: 15 Years / 180 Months; Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
RV Loans	-	7.74%	7 Years
Details Additional APR listed for this product: 7.99%. Term: 7 Years / 84 Months Older Model; Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Snowmobile Loans	-	7.74%	7 Years / 84 Months
Details Additional APR listed for this product: 7.99%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Snowmobile Loans	-	7.74%	5 Years
Details Additional APR listed for this product: 7.99%. Term: 5 Years / 60 Months Older Model; Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 7.74% ▲ 0.75 pts · high 7.74% / low 6.99% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Travel Trailer Loans	-	7.74%	12 Years
Details Additional APR listed for this product: 7.99%. Term: 12 Years / 144 Months; Model Year: 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Travel Trailer Loans	-	7.74%	15 Years
Details Additional APR listed for this product: 7.99%. Term: 15 Years / 180 Months; Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
UTV Loans	-	7.74%	7 Years / 84 Months
Details Additional APR listed for this product: 7.99%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
UTV Loans	-	7.74%	5 Years
Details Additional APR listed for this product: 7.99%. Term: 5 Years / 60 Months Older Models; Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.99% → 7.74% ▲ 0.75 pts · high 7.74% / low 6.99% Oct 6, 20267.74%▲ from 7.49% Oct 1, 20267.49%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Boat Loans	-	7.99%	7 Years / 84 Months
Details Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 6, 20267.99%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Travel Trailer Loans	-	7.99%	7 Years / 84 Months
Details Model Year: 2011-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 6, 20267.99%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Utah Community Credit Union Credit Card Rates

Product	Rate	APR
Low Rate Visa Credit Card	-	10.25%
Details Published APR range: 10.25% to 16.75%. Variable APR; Up to 2% foreign transaction fee Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Low-rate Credit Card	-	10.25%
Details As Low As; Regular APR: 18.00% fixed Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
4321 Everyday Cash Back Credit Card	-	18.00%
Details Regular APR: 18.00% fixed Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
4321 Everyday Cash Rewards Visa Credit Card	-	18.00%
Details Regular APR: 2.5% of Balance Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
4321 Travel Cash Back Credit Card	-	18.00%
Details Regular APR: 18.00% fixed Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
4321 Travel Cash Rewards Visa Credit Card	-	18.00%
Details Monthly Pmt: 2.5% of Balance Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
4321 Travel Rewards and 4321 Everyday Rewards Visa Credit Card	-	18.00%
Details Fixed APR; 4321 Travel has a $50 annual fee; Up to 2% foreign transaction fee Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Utah Community Credit Union Personal Loan Rates

Product	APR	Term
Personal Watercraft Loans	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 6, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Watercraft Loans	7.49%	6 Years / 72 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 6, 20267.49%▲ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Watercraft Loans	7.74%	7 Years / 84 Months
Details Additional APR listed for this product: 7.99%. Model Year: 2019-2026 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 6, 20267.74%▲ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Loans	10.25%	1 Year / 12 Months
Details Additional APR listed for this product: 10.50%. As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.75% → 10.25% ▲ 0.50 pts · high 10.25% / low 9.75% Oct 6, 202610.25%▲ from 9.75% Sep 18, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Loans	10.25%	2 Years / 24 Months
Details Additional APR listed for this product: 10.50%. As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.75% → 10.25% ▲ 0.50 pts · high 10.25% / low 9.75% Oct 6, 202610.25%▲ from 9.75% Sep 18, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Loans	10.25%	3 Years / 36 Months
Details Additional APR listed for this product: 10.50%. As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.75% → 10.25% ▲ 0.50 pts · high 10.25% / low 9.75% Oct 6, 202610.25%▲ from 9.75% Sep 18, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Loans	10.25%	4 Years / 48 Months
Details Additional APR listed for this product: 10.50%. As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.75% → 10.25% ▲ 0.50 pts · high 10.25% / low 9.75% Oct 6, 202610.25%▲ from 9.75% Sep 18, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Utah Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Low Rate Card Loan	-	-	10.25%
Details Intro rate expires: 12 months; Regular APR: 2.5% of Balance Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Trailer Loans	-	-	7.24%	5 Years / 60 Months
Details Additional APR listed for this product: 7.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Trailer Loans	-	-	7.74%	7 Years / 84 Months
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Trailer Loans	-	-	7.99%	12 Years
Details Term: 12 Years / 144 Months Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 10, 20267.99%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

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Financial Health History

Utah Community Credit Union’s Texas Ratio rose from 2.09% in Q3 2023 to 2.78% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.0B	2.78%	5.0	A+
March 31, 2026	$3.9B	2.62%	5.0	A+
December 31, 2025	$3.7B	3.77%	5.0	A+
September 30, 2025	$3.7B	2.75%	5.0	A+
June 30, 2025	$3.6B	3.52%	5.0	A+
March 31, 2025	$3.6B	2.62%	5.0	A+
December 31, 2024	$3.2B	3.66%	5.0	A+
September 30, 2024	$3.1B	3.86%	5.0	A+
June 30, 2024	$3.1B	2.72%	5.0	A+
March 31, 2024	$3.0B	2.37%	5.0	A+
December 31, 2023	$3.0B	3.50%	5.0	A+
September 30, 2023	$2.9B	2.09%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Utah Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Utah Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Utah Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Utah Community Credit Union

Website https://www.uccu.com

Address 360 W 4800 N, Provo, UT 84604

Phone 801-223-8188

Fax 801-223-7490

President Barrett Slade

CEO Justin Olson

Full-Time Employees 410

Part-Time Employees 213

Branch Locations 27

ATM Locations 39

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.78%

Return on Assets (ROA)

0.7662%

Return on Equity (ROE)

7.5552%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

4,044,796,240

Total Amount of Shares and Deposits

3,421,996,868

Total Shares and Deposits < 1 Year

3,187,618,120

Total Shares and Deposits 1 3 Years

193,758,341

Total Shares and Deposits > 3 Years

40,620,407

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

636,455,213

Total Uninsured Shares and Deposits > $250K (F+J)

636,455,213

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,785,541,655

Total Interest Expense (Sum of items 6 8)

38,496,756

Share Certificates

27,953

Number of Accounts for Share Drafts

162,745

IRA KEOGH Accounts

4,055

Number of Accounts for Regular Shares

283,059

All other shares

73,442

Non Member Deposits

Money Market Shares

50,603

Net Income (unless the amount is already included in Undivided Earnings)

30,992,238

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

127,731,882

Total Liabilities

3,637,151,123

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Utah Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Utah Community Credit Union

How many branches does Utah Community Credit Union operate?

Utah Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Utah Community Credit Union?

Yes, to access services at Utah Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Utah Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Utah Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Utah Community Credit Union offer online and mobile banking?

Most modern institutions like Utah Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.uccu.com.

Current Utah Community Credit Union Rates

18-Month CD4.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Utah Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Utah Community Credit Union Texas Ratio

Utah Community Credit Union Health Trend

Utah Community Credit Union CD Rates

Utah Community Credit Union Home Equity & HELOC

Utah Community Credit Union Auto Loan Rates

Utah Community Credit Union RV, Boat and Powersport Loan Rates

Utah Community Credit Union Credit Card Rates

Utah Community Credit Union Personal Loan Rates

Utah Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Utah Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Utah Community Credit Union

How many branches does Utah Community Credit Union operate?

Is a member application needed to join Utah Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Utah Community Credit Union offer online and mobile banking?

Current Utah Community Credit Union Rates

Compare to Other Credit Unions