Utah Community Credit Union American Fork UT | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Utah Community, your trusted financial partner since 1955! Located at 196 N West State Rd, American Fork, UT 84003, we are dedicated to providing our members with exceptional service and community-focused banking solutions. With a strong membership base of over 243,731 individuals, we pride ourselves on being a credit union that truly cares about its members. At Utah Community, our commitment to your financial well-being is reflected in our impressive total assets of $3,117,080,878 and total deposits amounting to $103,478,042. We understand that every member's journey is unique, which is why we offer a variety of services tailored to meet your needs from personal banking options like checking and savings accounts to loans for automobiles and homes. Our leadership team is here to guide you every step of the way. Under the direction of CEO Justin Olson and Board President Linda Makin, our dedicated staff of 533 employees works tirelessly to ensure you receive the support you deserve. Whether you're visiting us in person or engaging with us online through our website, we're committed to making your banking experience as smooth as possible. While members can visit us at our branch address, official correspondence should be sent to 196 North West State Road, American Fork, UT 84003. Explore how Utah Community can help you achieve your financial goals today! Feel free to call us at 801-223-8188 or stop by during our lobby hours from 8:30 AM to 6:00 PM, Monday through Friday. Your journey towards financial empowerment starts here!

Branch History & Mission

Welcome to Utah Community, a cornerstone of the community in American Fork, UT. Since opening our doors in 1955, we have been dedicated to serving our members with exceptional financial services and a heartfelt commitment to community support. What began as a small credit union has blossomed into a thriving institution, now boasting a total membership of over 243,731 individuals who trust us with their financial needs. Located at 196 N West State Rd American Fork Ut 84003, right off the main road, we are easy to find. Our branch is just minutes away from local landmarks, making it convenient for you to drop by and speak with our friendly staff. While members can visit us at this address, official correspondence should be sent to our mailing address: 196 North West State Road, American Fork, UT 84003. At Utah Community, our mission is clear: we aim to empower our members by providing accessible financial solutions while fostering a spirit of community. We believe that banking should be about more than just transactions; it's about building relationships and enhancing lives. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or credit cards with rewards, we are here to help every step of the way. Over the years, we've seen significant growth in our assets, which now stand at an impressive $3,117,080,878. This growth reflects not only the trust our members place in us but also our commitment to reinvesting in services that benefit the community. We offer various features including ATM availability for your convenience and drive-thru banking for quick transactions without leaving your car. As technology continues to advance, so do we. Our digital offerings include online and mobile banking capabilities that allow you to manage your finances from anywhere. We ensure that all members have access to these resources in an ADA-compliant environment. Our outreach efforts extend beyond financial services; we partner with local organizations to uplift those in need within our community. By supporting local events and initiatives, we strive to make a positive impact on the lives of those around us. We invite you to join us at Utah Community and experience firsthand the benefits of being part of a credit union that truly cares about its members and its community. Whether you're looking for a new account or simply want to learn more about how we can assist you financially, don't hesitate to reach out. Call us at (801) 223-8188 or visit us during our operating hours from 8:30 AM - 6:00 PM on weekdays. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access and Features

When you visit us, you'll find ample parking available for your convenience. We have made sure our branch is accessible for everyone, featuring ADA-compliant ramps and entryways. Whether you prefer to walk in or use our drive-thru service, we aim to make your banking experience as smooth as possible.

Get in Touch!

If you have any questions or need assistance, don't hesitate to give us a call at 801-223-8188. Our friendly team is here to help! We look forward to welcoming you soon at the Utah Community branch in American Fork where community comes first!

Operating Hours and Services

Our doors are open Monday through Friday from 8:30 AM to 6:00 PM, allowing you plenty of time to handle your banking needs during the week. We offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and even business banking solutions. Plus, with ATM availability on-site, cash withdrawals and balance checks are just a quick stop away! While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 196 North West State Road, American Fork, UT 84003 if it differs from the location.

Member Eligibility

Joining the Utah Community community is like opening the door to a world of support and opportunities. To become a member, you'll find that eligibility is quite straightforward. If you live, work, worship, or attend school in the areas we serve, you're likely already on your way to becoming part of our family! Plus, if you have a family member who is already a member, that counts too. We believe in making banking accessible for everyone, so don't hesitate to check out our detailed eligibility criteria at https://www.uccu.com/disclosures/. Once you're ready to take the next step, opening an account with us is simple and welcoming. Just visit our website at https://www.uccu.com/open-account/, and you can start your membership journey today. If you have any questions or need assistance along the way, feel free to give us a call at (801) 223-8188. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer robust merchant services designed to simplify transactions for your business. Imagine being able to accept payments seamlessly whether it's through credit cards, mobile payments, or online transactions. This means you can focus on what matters most: serving your customers and growing your business. Visit us at 196 N West State Rd American Fork Ut 84003 or call us at (801) 223-8188 to explore how our tailored solutions can help your business thrive!

Supporting Business Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $617 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $709,318,858, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key at Utah Community. With ATM access available, withdrawing cash is straightforward just stop by one of our ATMs for quick withdrawals or balance checks whenever needed.

Business Banking

If you're a business owner, you'll be pleased to know that we also offer comprehensive business banking services. From merchant services that make transactions easier for your customers to business loans designed to help grow your operations, we're here to support local businesses every step of the way.

Credit Cards

For those who love rewards, our credit cards come with fantastic benefits that allow you to earn points on everyday purchases. Whether it's travel perks or cashback offers, we've got something for everyone.

Drive-Thru Services

For those who prefer face-to-face interactions without leaving their cars, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without any hassle. We invite you to visit us at 196 N West State Rd American Fork Ut 84003 or give us a call at (801) 223-8188 if you have questions about any of these services or want more information about how we can assist you in achieving your financial goals. At Utah Community, we're committed to being more than just a bank; we're your financial partner for life!

Home Loans

Looking to buy your first home? Or perhaps you're considering refinancing your current mortgage for better rates? Our mortgage loans are tailored to suit your unique situation, allowing you to secure the best deal possible on one of life's most significant investments.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services provide you with the flexibility and support you need. Imagine having easy access to your funds whenever necessary, thanks to our online and mobile banking options. You can check balances, transfer money, and even pay bills from the comfort of your home or on-the-go.

Personal Loans

Life can sometimes throw unexpected expenses your way. Our personal loans and debt consolidation services can provide you with the financial relief you need when challenges arise. We understand that every situation is different, so we work closely with you to find a solution that fits.

Vehicle Financing

If you're in the market for a new car or truck, our auto loans and vehicle financing options are here to help you drive away with confidence. We offer competitive rates that can make financing a breeze, ensuring that your dream vehicle is well within reach.

Digital & Online Banking

Key Services for You

With our 24/7 Online Banking Services, you can check your balances, pay bills, and transfer money whenever you need. Our mobile application makes it even easier. Download it to enjoy quick access right from your smartphone. Plus, with features like person-to-person transfers, sending money to friends or family is just a few taps away. Need documents signed quickly? Our electronic signature authorization allows you to complete transactions without the need for paper. It's secure and saves you time! And if you prefer going green, you'll love our e-statements availability, which lets you manage your statements digitally and securely.

Safety First

We prioritize your security with every service we provide. Our online banking platform uses advanced encryption technologies to keep your information safe while allowing you easy access to your accounts. With features such as mobile payments, making purchases is not only convenient but also secure. At Utah Community, we strive to empower our members by providing user-friendly tools for real-time account management. Explore all that we have to offer by visiting https://www.uccu.com/ today!

Financial Strength

At Utah Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a strong financial foundation is essential for peace of mind. That's why we are proud to share insights into our robust financial health, assuring you that your money is in safe hands. With a net worth of $310,309,504, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,019 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $901,862,092 in share certificates and $660,227,245 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $41,719,616, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $280,916,629 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $36,570 in used auto loans and $2,652,450,940 in total loans and leases. Our operational efficiency is reflected in our $29,392,875, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 353 full-time employees and 180 part-time employees ready to assist you with knowledgeable service. Net Shares (Funds available for lending and investments) stand at $110,111,911, while our commitment to serving our community is further emphasized by having 543,082 total share accounts. This indicates a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Utah Community is your trusted partner. Visit us at 196 N West State Rd American Fork Ut 84003 or call (801) 223-8188 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $601,345,304 in used vehicle loans and $181,385,186 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we have financing solutions tailored just for you.

Business Financing

For business owners, our outstanding commercial loans totaling $709,318,858 provide the capital needed to grow and expand. Whether you're looking to fund new equipment or manage day-to-day expenses, our business financing options are designed to support your ambitions.

Credit Lines

Our total credit lines amounting to $751,777,378 give you the flexibility you need for various financial situations. This type of loan can be an excellent safety net for unexpected expenses or opportunities that arise. At Utah Community, we prioritize making the borrowing process straightforward and accessible. Whether you're looking for personal loans, auto financing, or mortgages, we're here to guide you every step of the way. Contact us at (801) 223-8188 or visit us at 196 N West State Rd American Fork Ut 84003 in American Fork, UT, to learn more about how we can assist you with your financial needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $416,906,138, make buying or refinancing simple. We strive to provide competitive rates and flexible terms to fit your budget. If you're considering refinancing your existing mortgage, ask us about eligibility options that may help lower your monthly payments.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $45,257,198 in loans helping members manage their finances effectively. Our credit cards come with rewards and no annual fees, making it easier for you to use them wisely while enjoying added benefits.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means you can trust that the offers you see are based on the latest results and adhere to strict regulatory guidelines (Source: https://www.ncua.gov). One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Unlike other platforms, LendMesh does not feature sponsored listings or prioritize lenders based on paid promotions. This means you receive unbiased results that truly reflect your options. Additionally, LendMesh provides real-time rate comparisons, allowing users to access up-to-date loan rates from multiple institutions. This feature empowers you to make informed decisions based on the most current information available. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the real impact that LendMesh can have on your financial journey. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Utah Community