Apply for a Loan

We’re here and ready to help

Business woman in building lobby

Support and services to help you through these uncertain times…

Click to jump to…  
1.  Easy Banking From Home
2.  Economic Impact Payments (stimulus payments)
3.  Security Alert: Coronavirus Scams
4.  Financial Hardship Support
5.  Homeowner Mortgage Relief & CARES Act Forbearance 
6.  Small Business Hardship Support
7.  Recent Email Messages (in case you missed it)
8.  State & Federal COVID-19 Links

Easy Banking From Home

Start a loan application: Click Here

Open an account:

Call or text UCCU at 801-223-8188

  • Monday – Friday | 8:00am – 6:00pm
  • Saturday | 9:00am – 2:00pm
  • Sunday | Closed

Send a secure message from inside online and mobile banking

Drive-up service is available at every branch:

  • Monday – Friday | 8:30am – 6:00pm
  • Saturday | 9:00am – 2:00pm
  • Sunday | Closed

Debit and credit card replacements can be issued, instantly, at any UCCU drive-thru lane

Deposit options:

  • Using UCCU’s Mobile App, simply select “Mobile Deposit” from the menu
  • At the Drive-Thru during regular business hours
  • Using an ATM by simply following the instructions
  • Using Night Drop Deposit Box located in the Drive-Up lane closest to the building

Loan Officers are available to assist you:

Investment services professionals are available at 801-223-7502

Safe deposit box access can be requested at the drive-thru, or by calling 801-223-8188

Download the UCCU Mobile banking app:
UCCU Mobile App for iPhone or iPad
UCCU Mobile App for Android 

Take control of your cards with the UCCU CardApp.
Download here:
UCCU CardApp for iPhone or iPad
UCCU CardApp for Android 

Economic Impact Payments

UCCU is closely monitoring updates from the Treasury Department and the Internal Revenue Service and will post new information and links in this section when available. 

Updates as of April 15th: 

Security Alert: Coronavirus Scams

  • Fraudulent schemes are targeting Utah residents and UCCU members!

    UCCU has received reports of criminals who are contacting individuals directly, claiming to be from the CDC, state, or other local authority. Additionally, online scammers are posing as representatives from UCCU and other financial institutions in an attempt to trick people into divulging sensitive information about their accounts. 

    Click here for the latest on current scams, including COVID-19 fraud tactics.
  • Keep Your Information Safe

    Never share your account Information with anyone. This includes card numbers, PINs, usernames, Secure Access Codes, and all other sensitive information. UCCU will never ask for your Secure Access Codes or card and PIN or request sensitive information through an unsolicited text, phone call or email to you.

  • How UCCU Protects You

    At UCCU, the security of your accounts and information is a top priority. We protect every member with multiple layers of security – which is a must in this age of digital fraud. 

    Click here to learn more about how UCCU protects you.
  • We’re Here and Ready to Help 

    If you have questions about these types of fraud schemes, or believe you may be the victim of these types of scams, please call our Service Center at 800-453-8188 to speak with a Member Service Representative. 

Financial Hardship Support

  • Skip-a-Payment

    Skip-a-Payment gives you a chance to have the extra money you need by allowing you to skip a month of certain loan payments. Some rare circumstances may preclude us from accommodating all requests but please check your eligibility with a member service representative.* We’ll do all we can to make it work. Eligible loans for Skip-a-Payment include car loans, lines of credit, personal unsecured loans, recreational vehicle loans and other secured loans. To request a Skip-a-Payment please call us at 801-223-8188.
  • Transfer a Loan and Make No Payments for 60 Days

    Enjoy no payments for 60 days on loans transferred to UCCU from other institutions. As always, UCCU’s low rates will typically reduce your payment as well. Apply online or over the phone at 801-223-7600.

    Bonus: for a limited time you can also receive up to $200 cash back for every auto loan you transfer to UCCU.**

    As always, please reach out to us to explain your situation so we can help find a solution for you.

Homeowner Mortgage Relief & CARES Act Forbearance

We want to keep you as informed and prepared as possible regarding mortgage relief options. If you are experiencing financial hardship due to the coronavirus COVID-19 click here to learn more about the Federal CARES Act mortgage forbearance

Please note that the government’s forbearance program is not a payment forgiveness program. The program will pause your payments, but payments will need to be repaid at the end of the forbearance plan. So, if you are approved to skip three months of mortgage payments, on the fourth month, fourth payments would be due at that time (the three skipped payments plus the current month’s payment). If you are seeking a forbearance plan, continue making your mortgage payments until your forbearance plan has been approved. 

To find a mortgage forbearance solution please call 1-866-397-5370, email [email protected], or click here to submit a request.

Small Business Hardship Support

Small Business Programs

The federal and state government have created the following loan programs to provide relief to small businesses that are struggling due to the negative effects of coronavirus (COVID-19):

  • Economic Injury Disaster Loan Program

    A Federal program, offered directly through the Small Business Administration (SBA), that is designed to help small businesses meet working capital needs caused by business disruptions from COVID-19. 

    Examples of Economic Injury Disaster Loans include fixed debt payment, payroll, accounts payable, and other expenses.

    Businesses work directly with the Small Business Administration (SBA) for these loans.

Recent Email Messages

April 6, 2020 
Fraud Alert and Financial Support

Fraudulent schemes are targeting Utah residents and UCCU Members!  Read more…

March 23, 2020 
Open and Available: Branches Transition to Drive-Thru Only
From Bret VanAusdal, President/CEO

Beginning Monday, March 23, 2020, branch operations will temporarily transition to drive-thru and ATM services only.  Read more…

March 12, 2020 
Coronavirus Update from UCCU
From Bret VanAusdal, President/CEO

I wanted to inform you that we are closely monitoring the latest reports from the Centers for Disease Control and Prevention (CDC) regarding coronavirus COVID-19 and that the credit union has taken a number of precautionary measures to help protect the health and safety of our members and employees.  Read more…

Utah Community Credit Union is federally insured by the National Credit Union Administration. 

*Skip-a-Payment: to qualify, you must have a satisfactory payment history. UCCU may deny your request for any reason. Skipped payments are not waived or forgiven; they are simply deferred and must be paid later. Your payments must resume following the skip; your payment the following month will be due on the same date of that month it would have been due in the absence of a skip/deferment the prior month. Interest will continue to accrue during the deferral period and until your loan is repaid in full. Deferring a payment can cause negative amortization on your loan. All terms of your loan agreement(s) remain unchanged if UCCU approves your request except: (a) the payment schedule will lengthen by one month or number of months of the skip payment, and (b) debt cancellation and protection products now in effect may not provide protection beyond the original maturity date. UCCU reserves the right to not offer you a payment deferral in the future. Not available on first mortgages, second mortgages, credit cards and business loans. This offer is subject to change at any time. Some restrictions may apply. Limited time offer. Insured by NCUA.

**Up to $200 Auto Loan Transfer Cash Rebate is available for a limited time and applies to existing loans that are transferred from other institutions. Receive $50 cash back for auto loan vehicle balances between $10,000 and $14,999. Receive $100 cash back for auto loan vehicle balances between $15,000 and $19,999. Receive $200 cash back for auto loan vehicle balances between $20,000 and above. Rebate may be awarded in cash or as a credit to the loan. Existing UCCU loans and new purchases are not eligible for cash back offer. Some restrictions apply. Terms and conditions are subject to change at any time and without notice. See current rates and terms at Loans on approved credit. Federally Insured by NCUA.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00am – 6:00pm
Sat: 9:00am – 2:00pm

Send an Email

[email protected]
or send us a message from inside online banking.

Stop by a Branch

Find a Location