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In This Issue
Love Where You Bank
70 Years of UCCU and We’re Just Getting Started
This year, 2025, marks the 70th anniversary of UCCU. As President and CEO, I’m honored to be part of such a remarkable organization, and proud to report that last year was one of the most impactful years in the history of this credit union.
UCCU reached a major milestone last year, surpassing $3 billion in total assets while remaining financially strong and well-capitalized. More importantly, we did so while staying true to what matters most: delivering value to our members and helping them achieve their financial goals. In fact, UCCU saved members over $40 million in 2024 through better rates and fewer fees than banks and other lenders and today we have grown to over $3.3 billion.
UCCU in Salt Lake Valley
Additionally, we took big steps forward to expand our reach and improve the ways we serve our members. Our successful merger with TransWest Credit Union added four new branch locations in Salt Lake County, along with thousands of new members and employees we’re thrilled to welcome into our UCCU family.
The past year also saw the launch of UCCU Insurance Services, a new division of UCCU created to provide our members with access to auto, home, life, and business insurance, and we joined the Allpoint ATM Network, giving our members access to over 85,000 surcharge-free ATMs nationwide.
Like I said, this past year was one of the most impactful years in UCCU’s history. We will stay focused on our dedication to delivering ongoing value, supporting our communities, and helping our members achieve their financial goals.
To our members: Thank you for your continued trust and loyalty. You are the reason we do what we do, so please do not hesitate to reach out to this credit union for any of your financial needs.
We’re here for you, and ready to help!
Sincerely,
Official Rules: 2025 Jeep Wrangler Giveaway Sweepstakes
The Credit Union Difference: $40 Million in Real Member Savings
UCCU Members saved over $40 million in 2024 due to lower loan interest rates and saving yields. This achievement earned UCCU the Datatrac Great Rate Award®, but the real story is how this member-owned cooperative is redefining what banking can be.
The Member-First Difference
As a not-for-profit credit union, UCCU operates differently than traditional banks. Instead of maximizing shareholder profits, every decision centers on member benefits. This translates into higher interest rates on savings, lower fees, and competitive loan rates that can save members of UCCU thousands over time.
When you bank with UCCU, you’re not just another account number. Brad Norton, CMO, emphasizes. “Members are actually part-owners with a stake in the credit union’s success”.
Real Savings, Real Impact
The $40 million in member savings comes from three key areas: higher savings rates, fewer fees that keeps more money in members’ pockets, and lower loan rates. Whether it’s a car loan or mortgage, these rate differences compound into significant household savings.
UCCU’s not-for-profit, member-first approach extends to all services too. For example, their Elevated Checking account offers enhanced benefits without the typical premium banking fees.
See How UCCU’s Rates Compare to Other Utah Banks
*Information independently certified by Datatrac and America’s Credit Unions, which estimated that UCCU provided $40,417,704 in direct financial benefits to its 240,653 members during the twelve months ending December 2024, when compared to the average rates and yields of Utah banks (See Report).
**UCCU deposit and loan products outperformed the market average based upon independent analysis conducted by Datatrac, a financial research firm which maintains America’s largest interest rate database.
Secure your loan savings before our Summer Loan Sale ends!
Offer valid for Auto, RV, Boat, Trailer, Motorhome, and Personal loans refinanced or balances transferred from another financial institution to UCCU. Financing is subject to UCCU membership and underwriting criteria. Not every applicant will qualify. 1.00% cashback up to $250 is calculated by multiplying 1.00% (0.01) by the balance transferred, or $250 whichever is less for each type of loan including Auto, RV, Boat, Trailer, Motorhome, and Personal loans and credit card loan balances. Cashback may take up to 10 business days to be awarded. Limited time offer. Rates, terms, and programs are subject to change and without notice. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
Online Threats Are Evolving—So Is UCCU
Online criminals are constantly finding new ways to trick people. In 2025, they’re using artificial intelligence to create fake emails that look incredibly real, and they can even create fake videos of people you know. Recent attacks on hospitals and major companies show just how serious these threats have become.
Scams Members Face Today
Today’s scammers don’t need to be computer experts anymore. They can buy ready-made hacking tools online, making it easier than ever to target everyday people. Fake emails now look so real that even careful people get fooled, and criminals can create convincing fake video calls pretending to be your boss or family member.
Working from home has made things riskier too, since more devices are connected to the internet outside of secure office networks. Smart home devices like security cameras and thermostats often have weak protection, making them easy targets for hackers.
How UCCU Protects You
UCCU offers several tools to help keep members safe from these modern threats. Dark Web Monitoring searches the hidden parts of the internet where criminals sell stolen information, alerting you if your personal details show up there.
Identity Monitoring keeps watch over your personal information and lets you know if someone tries to use your identity without permission. Credit Monitoring checks your credit report regularly for any suspicious activity that could signal identity theft.
If you do become a victim of identity theft, UCCU’s Identity Theft Resolution service provides expert help to get your life back on track and clean up the mess criminals created.
Staying Safe Every Day
Beyond these monitoring services, UCCU helps members learn how to spot suspicious emails, create strong passwords, and keep their devices updated with the latest security features. The credit union also teaches members about the importance of using two-step verification, which adds an extra layer of protection to online accounts.
For members who own businesses, UCCU provides guidance on training employees to recognize scams and implementing security measures that protect company data.
Your Partner in Digital Safety
As online threats continue to grow and change, UCCU remains committed to helping members stay one step ahead of criminals. The credit union’s security services are part of its mission to protect not just your money, but your entire digital life in our increasingly connected world.
3 Essential Tools Every UCCU Member Should Be Using
UCCU is proud to be an industry leading financial institution built on helping prepare you for the future. Below are three essential digital tools that are free and available to members to help them succeed financially:
1. Financial Banking Tools
UCCU’s Financial Banking Tools suite transforms how members manage their money through six integrated features. The color-coded “Bubble Budgets” instantly show which areas need attention, while Spending and Trends tools reveal exactly where, when, and how you spend across different categories.
The Debts tracker helps you view and prioritize all obligations in one place, and the Net Worth visualization shows your complete financial picture over time. The Cashflow tool rounds out the suite by helping predict future financial needs and identify income trends.
Why you need it: You can’t manage what you can’t see. These tools turn complex financial data into clear, actionable insights. Click to learn more about UCCU’s Digital Banking Tools.
2. CardSwap: Card Management
UCCU’s CardSwap automatically updates your credit or debit card information for all of your digital services like Netflix, Hulu, Spotify, and many more. Enter your card information once, and CardSwap handles the rest.
You’ll never have to manually enter every number for every account you use, and you won’t need to update your digital providers when your UCCU card is lost, stolen, or renewed. CardSwap takes care of all those updates automatically.
Getting started is simple: download the UCCU mobile banking app or login online, select Services then CardSwap, pick your digital services, verify your card information, and click link account when you’re ready.
Why you need it: Managing multiple digital subscriptions is a hassle. CardSwap eliminates the tedious work of updating card information across all your services. Click to learn more about Cardswap.
3. Credit Score Toolbox
UCCU’s Credit Score Toolbox puts powerful credit management directly into members’ hands. Access your credit score daily without impacting your credit, and use the credit simulator to see how financial decisions might affect your score before making them. Real-time monitoring alerts keep you informed of changes, while personalized goal-setting features help you create and track your credit improvement plan.
Why you need it: Understanding your credit is the foundation of financial health. This toolbox gives you the insights to build better credit faster. Click to learn more about Credit Score Toolbox.
Last Chance to take Advantage of our Summer Loan Sale
**Ends August 31, 2025**
Lower your rates and put more money back in your pocket!
Up to $250 for your Auto & RV Loans
Driving toward financial freedom? Accelerate your savings this season with our Summer Loan Sale! Move any Auto, RV, or Personal Loans from another institution to UCCU and cruise away with up to 1% cash back (max $250 for each qualifying loan). Potentially reduce your monthly loan payments and manage them all in one convenient location within the UCCU Mobile app!*
Get up to $500 off Closing Costs
Enjoy low rates on every type of home loan so you can qualify for more house with the same payment you’d get from other local lenders.
That’s more money that you can put into your home, or back into your pocket.**
Offer valid for Auto, RV, Boat, Trailer, Motorhome, and Personal loans refinanced or balances transferred from another financial institution to UCCU. Financing is subject to UCCU membership and underwriting criteria. Not every applicant will qualify. 1.00% cashback up to $250 is calculated by multiplying 1.00% (0.01) by the balance transferred, or $250 whichever is less for each type of loan including Auto, RV, Boat, Trailer, Motorhome, and Personal loans and credit card loan balances. Cashback may take up to 10 business days to be awarded. Limited time offer. Rates, terms, and programs are subject to change and without notice. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
**$500 off closing costs for loans of $250,000 or more, $250 off closing costs for loan amounts below $250,000, and is applied at closing. Not available for withdrawn or denied loans. Conventional, Jumbo, FHA, VA, or USDA mortgages only. Property must be in the state of Utah. Limited time offer can change at any time and without notice. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
Assisting Our Local Communities
Empowering Change through acts of service.
UCCU Assist is a program that partners with local organizations and individuals to provide ongoing help and service to our community.
Team UCCU partnered with Nebo School District where 7th graders were brought to the Spanish Fork Fairgrounds to learn about possible future careers.
Team UCCU partnered up with LogOff PlayOn to help kids reduce screen-time earn money to assist in their financial journey!
UCCU donating time and money to help those in need with Children’s Miracle Network.
UCCU is a proud partner of Utah Valley University, serving its students and employees since 2004.
Follow us on our socials for more community events!
Protect What Matters Most with UCCU Insurance Services
Let’s Drop Your Insurance Costs Today!
Request your free, no-obligation quote or contact a local UCCU Insurance Services representative to learn more about our extensive insurance options that can save you money every month!
Love where you bank and protect who you love.
Protect What Matters Most with UCCU Insurance Services
Get comprehensive coverage for your auto, home, life, and business needs—all backed by the trusted member-first philosophy you know from UCCU. Our experienced team handles everything from basic policies to complex commercial coverage, including RV, boat, workers comp, and group benefits. Why juggle multiple providers when you can get tailored insurance solutions that work with your overall financial goals?
Your Financial Future Starts Here
Unlike traditional agencies focused on sales, UCCU Insurance Services is designed to complement your financial wellness as a credit union member. From saving money on everyday coverage to specialized protection for Directors and Officers, our local professionals provide the same personalized service that’s made UCCU your trusted financial partner. One relationship, complete protection—that’s the UCCU advantage.
UCCU Insurance Services (UCCUIS) does not offer any proprietary products. We offer a range of products from respectable insurance companies. The products or services on this page are not NCUA insured, have no credit union guarantee, may lose value, are not insured by any federal agency, are not a bank deposit. UCCU Insurance Services, LLC headquartered in Provo, Utah is a majority owned Credit Union Service Organization (CUSO) of Utah Community Federal Credit Union.
Let’s Drop Your Insurance Rates Today!
Request your free, no-obligation quote or contact a local UCCU Insurance Services representative to learn more about our extensive insurance options.
Love where you bank and protect who you love.
(801) 223-7400
Available M–F 9am–5pm
Get to Know Our New President/CEO
A career dedicated to UCCU service and leadership. In July of 2024, following an extensive national search. UCCU welcomed Justin Olson as our new President and CEO. But although Justin was new to the role of CEO, he wasn’t new to this credit union. In fact, Justin has spent his entire career dedicated to serving the members of UCCU through providing innovative technology.
From Accounting Assistant to CEO
Justin is a Utah Valley guy. He grew up in Provo and graduated from both UVU and BYU, where he earned his MBA and graduated in the top 10% of his class.
He began his journey at UCCU in 2001 as an Accounting Assistant. From day one, Justin stood out for his strategic mindset, innovative problem-solving, and his genuine respect and kindness toward others.
Over the next 23 years, Justin steadily advanced through UCCU, gaining hands-on experience in nearly every area of the credit union – including member services, eBranch, IT, online services, and executive leadership.
Along the way, Justin’s reputation for integrity, dedication, and excellence has earned him the admiration and trust of both his fellow employees and UCCU stakeholders. Whether it was managing the call center or leading the charge on UCCU’s tech strategy, Justin never lost sight of what matters most: helping our members succeed.
Leading with Heart and Vision
Justin’s innovative mindset, strategic vision, and ability to leverage technology has also proved to be instrumental in helping UCCU’s operational efficiency and member satisfaction. In his first year as CEO, UCCU:
- Opened four new branches in Salt Lake Valley
- Surpassed $3 billion in total assets
- Helped members save over $40 million in better rates and lower fees
- Launched UCCU Insurance Services
- Provided members access to more than 85,000 surcharge-free ATMs nationwide
Under Justin’s leadership, UCCU is poised to continue its growth and expansion. It’s not just about asset size, but about the transformative changes that will enable UCCU to thrive long-term and have an even greater impact on the lives of its members and the communities it serves.
His commitment to meeting the needs of UCCU’s members and supporting their success, as well as the success of the credit union’s employees, aligns perfectly with the cooperative mission that has guided UCCU for decades.
“I’ve spent my entire career here,” said Olson. “And what I’ve seen over and over again is that when we focus on helping people – really helping them – everything else falls into place.”
Looking Ahead
Looking ahead, Justin’s vision for UCCU is a vibrant institution, fueled by innovation, state-of-the-art technology, and talented, purposeful people. His commitment to supporting the success of both UCCU members and employees aligns perfectly with the cooperative mission that has guided this credit union for decades.
“I want every member to feel like UCCU is their partner,” he says. “Whether they’re just starting out, building a business, or planning for retirement – we’re here to help, and we’re just getting started.”
— Justin Olson, UCCU President & CEO
Hometown: Provo, Utah
Education: UVU & MBA from BYU
Currently Lives: Payson, Utah
Family: Wife Tennille and three kids
Fun Facts about Justin:
-Enjoys spending time with his family cooking, golfing, and DIY home projects.
-Loves cheering on Tennille as she runs marathons around the country.
-His mother immigrated to the USA from Norway.
Guiding principle: “Stay focused on people—everything else will follow.”
Everything Your Business Needs – All in One Place
UCCU has been serving its members for nearly 70 years, but did you know we also offer Business banking? With local experts ready to help with your unique needs, UCCU is here to build a personal relationship to help grow your business, so you can focus on the areas that matter most.
All powered by UCCU’s award-winning Mobile Banking, which makes it easy for you to access and manage your business’ finances – anywhere, anytime.
Best of all, with UCCU, you get more than a credit union. You get a local partner that’s on your side and invested in the success of your business. Just give UCCU a call or stop by any branch to learn how UCCU can help your business grow.
Talk to a Business Expert
Talk to a UCCU expert and find the best option for you and your business.
(801) 223-7665 | [email protected]
Available Monday – Friday 9 am – 5:30 pm
- Low-Rate Business Loans
- Low-Rate Lines of Credit
- High-Yield Business Checking & Savings
- Merchant Services to Help You Get Paid
- Extended Business Insurance
- Autobooks
- Positive Pay
- Business Sweep Services
Walker Kessler Outtakes
Walker Kessler has been a part of UCCU for over 2 years! Take a look at some of the funniest blooper moments with Utah Basketball Star Walker Kessler.
All Kessler Videos
Check out all of our Walker Kessler videos by visiting our YouTube Page
Your Path to Secure Homeownership Starts Here
From Your First Home to Your Forever Home
No matter what stage of life you’re in, UCCU is the best place to buy, build, or refinance a home.
First-Time Homebuying?
Get up to 100% financing when you are a First Time Home Buyer and the support of a local mortgage expert to help guide you every step of way.
Building a Home?
Take advantage of a low-rate Construction Loan with a One-Time Close – which can save the average homebuyer thousands of dollars.
Accessing Your Home’s Equity?
We’ll provide you with a low-rate line of credit that makes it easy to access the equity in your home – with NO fees or even closing costs.
Exploring Retirement Options?
A Reverse Mortgage from UCCU is a flexible and secure way to supplement your retirement income while staying in the home you love.
Just use your phone or computer to fill out UCCU’s Super Easy Application
Applying for a mortgage loan online is easy with the help of a friendly UCCU Mortgage Expert, who can even join your screen remotely and help co-pilot you though the entire application process.
UCCU. Love Where You Bank. Love Where You Live.
Low-rate Visa Credit Card:
*APR = Annual percentage rate. Variable APR ranges from 11.00% to 17.50% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 2% foreign transaction fee. Federally insured by NCUA.
4321 Cash Back Visa Credit Card:
*APR = Annual percentage rate. Fixed 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 2% foreign transaction fee. Federally insured by NCUA.
Click to view Credit Card Rate & Fee Disclosure, Visa Cardholder & Protection Agreement, or the 4-3-2-1 Cash Back Card details.
*APR = Annual percentage rate. Fixed 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 2% foreign transaction fee. Federally insured by NCUA.
Click to view Credit Card Rate & Fee Disclosure, Visa Cardholder & Protection Agreement, or the 4-3-2-1 Cash Back Card details.