Personal Banking

A Credit Union Anyone can Join!

Join online, over the phone, or at any branch location.
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Prospective members must open and maintain a savings account with a minimum deposit ($5), establishing their membership share in the credit union.

Once these requirements are met, individuals gain access to a wide range of financial products and services tailored to their needs, along with the benefits of membership, such as competitive rates, personalized service, and community involvement opportunities.

We offers a comprehensive range of financial products and services to meet the diverse needs of members. These include various checking and savings account options, competitive loan products such as mortgages, auto loans, and personal loans, as well as credit cards with flexible features.

Additionally, UCCU provides investment services, retirement planning assistance, and insurance products to help members achieve their long-term financial goals.

Online and mobile banking platforms offer convenient access to account management, bill pay, and mobile deposit services. With a commitment to personalized service and community involvement, UCCU strives to empower its members with the tools and resources needed for financial success.

There are two main methods of opening an account at UCCU; online and in person. You will need the following items to open an account:

1. Social Security Number (or official government-issued document showing your Tax Identification Number).
2. Driver’s License or government ID.
3. $5 to fund the account via credit card or external bank account (only for accounts opened online).

Having these documents and information above ready will speed up the opening process.

Online: To apply online, you will need simply visit our Open an Account page and choose from a variety of checking accounts, loans, and a variety of savings options.

In Person: Simply visit any UCCU Branch Location.* Each branch is filled with friendly employees ready to offer personalized help to get your account opened as quickly and seamlessly as possible.

*Branch hours may vary based on location

You can also call or text us at 801-223-8188 on questions you may have in opening an account.

The primary difference between a credit union and a bank lies in their ownership structure and operational goals. While both institutions offer banking services, there are several key distinctions.

Credit Unions

• Ownership: Credit unions are not-for-profit organizations owned by their members, who are typically united by a common bond, such as their employer, community, or organization.
• Cooperative Structure: Credit unions operate on a cooperative model, where members pool their funds and have an equal say in the decision-making process.
• Focus on Members: Credit unions are designed to serve the best interests of their members, often offering lower fees, higher interest rates on savings accounts, and lower interest rates on loans.
• Membership Requirements: To join a credit union, individuals must meet specific membership requirements, such as living or working in a particular area or being affiliated with a certain organization.

Credit unions offer generally lower overdraft fees and more favorable terms on personal finance products like loans and credit cards.

Banks

• Ownership: Banks are for-profit institutions owned by shareholders or investors, whose primary goal is to generate profits.
• Commercial Structure: Banks operate as commercial entities, with a primary focus on maximizing profits for their shareholders.
• Wider Customer Base: Banks cater to a broader customer base, including individuals, businesses, and organizations.

While both credit unions and banks provide banking services such as checking and savings accounts, loans, and other financial products, credit unions typically offer more favorable rates and fees to their members due to their not-for-profit structure and member-focused approach.