Utah Community Credit Union Payson UT | Low Mortgage Rates & Top Checking Accounts

Introduction

Welcome to Utah Community, your trusted partner in financial wellness located at 1012 W 800 S, Payson, UT 84651. Since our establishment in 1955, we have dedicated ourselves to serving our growing community of over 243,731 members with a commitment that goes beyond just banking. Our branch stands as a reliable resource for those looking to achieve their financial goals, whether it's saving for a dream home, purchasing a vehicle, or managing day-to-day expenses. At Utah Community, we understand that each member's journey is unique. With total assets exceeding $3.1 billion and total deposits of $103,478,042, we are well-equipped to provide the support you need. We pride ourselves on offering a wide range of services including personal banking solutions, auto loans, mortgages, and business financing options. In fact, our total loans exceed 95,427, showcasing our commitment to helping you secure the funds necessary for your aspirations. While members can visit us at our branch location in Payson for personalized service and assistance, official correspondence should be sent to 1012 West 800 South, Payson, UT 84651 if it's different from our physical address. Our friendly staff is here to assist you during lobby hours from 8:30 AM to 6:00 PM every weekday. If you have any questions or need assistance, don't hesitate to reach out via phone at 801-223-8188. Under the leadership of CEO Justin Olson and Board President Linda Makin, we strive to create a welcoming environment where members feel valued and empowered. With total cash in hand amounting to $34,986,336, we ensure that your savings are safe and accessible whenever you need them. Join us today and experience the difference that comes with being part of Utah Community. Visit our website at uccu.com to learn more about our offerings or open an account online. We look forward to welcoming you into our family!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of convenience. That's why we have embraced digital advancements that enhance your banking experience. From online banking and mobile payments to e-statements and electronic signatures, we ensure that our services are accessible whenever you need them. Our operating hours are designed for your convenience open Monday through Friday from 8:30 AM to 6:00 PM making it easier than ever for you to manage your finances on your schedule.

Join Us Today!

As we look toward the future, Utah Community remains committed to fostering strong relationships with our members while continuing to adapt to their needs. We invite you to join us on this journey towards financial empowerment. Experience firsthand how being part of Utah Community can positively impact your life. For more information or to open an account today, visit us at UCCU.com or call us at 801-223-8188. Your financial journey starts here!

Our Mission

At Utah Community, our mission is simple yet impactful: We strive to empower individuals and families through financial education and services that promote their economic well-being. We offer a range of products including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Each service is designed with our members' needs in mind. We believe in giving back to the community that supports us. Through various outreach programs and partnerships with local organizations, we aim to foster a spirit of collaboration and mutual support. Whether it's assisting members with their first home purchase or providing guidance on debt consolidation, we are here every step of the way. While members can visit us at 1012 W 800 S, official correspondence should be sent to 1012 West 800 South, Payson, UT 84651 if different from our branch address.

Branch Location & Accessibility

Convenient Location

Situated near local landmarks, our branch is easy to find and reach. Plus, you'll enjoy ample parking when you visit us. We strive to ensure that everyone can access our services easily, with ADA-compliant features and ramps available for those who need them.

Drive-Thru Banking

Need a quick transaction? Our drive-thru service allows you to handle deposits and withdrawals without leaving your car. It's just one more way we make banking easier for you! While members can visit us at 1012 W 800 S Payson Ut 84651, official correspondence should be sent to 1012 West 800 South, Payson, UT 84651. If you have any questions or need assistance, don't hesitate to call us at (801) 223-8188. We look forward to welcoming you to our branch soon!

Operating Hours

Our doors are open from 8:30 AM to 6:00 PM on weekdays, allowing plenty of time for you to stop by after work or during your lunch break. We understand how busy life can get, so we aim to accommodate your schedule.

Services Offered

At Utah Community, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. If you prefer banking on the go, take advantage of our online and mobile banking services. And if you're looking for convenience at the ATM? You'll be pleased to know that we have one on-site!

Member Eligibility

At Utah Community, we believe that everyone deserves a chance to be part of a supportive community. Joining us as a member is simple and welcoming! If you live, work, or worship in our local area, you're likely eligible to become part of our family. We also welcome family members of current members, making it even easier for you to join. By becoming a member at Utah Community, you'll gain access to personalized financial services tailored just for you, from competitive loan rates to exceptional customer support. Ready to take the next step? Opening an account is straightforward and can be done online or by visiting us at 1012 W 800 S Payson Ut 84651. If you have any questions or need assistance during the process, feel free to give us a call at (801) 223-8188. For more detailed information about our eligibility requirements, check out this resource: https://www.uccu.com/disclosures/. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

In addition to loans, our merchant services simplify transactions so you can focus on what matters most growing your business. Imagine a busy Saturday at your shop: customers are lined up, eager to make purchases. With our reliable payment processing solutions, you can accept payments swiftly and securely, keeping the lines moving and your customers happy. If you're ready to explore how our tailored business banking solutions can support your goals, visit us at 1012 W 800 S Payson Ut 84651 or give us a call at (801) 223-8188. Let's take your business to the next level together!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive business banking services, including merchant services and business loans tailored for growth. We understand that running a business requires reliable financial support, and our team is dedicated to helping you succeed.

Convenient Access

Accessing your money is hassle-free with our ATM and cash withdrawal services available 24/7. Plus, enjoy the convenience of basic drive-thru banking for deposits and withdrawals without leaving your car. At Utah Community, we believe in making banking easy and accessible for everyone. Our commitment to digital solutions means that whether you're at home or on-the-go, managing your finances has never been easier. We invite you to visit us at 1012 W 800 S Payson Ut 84651 or give us a call at (801) 223-8188 to learn more about how our services can benefit you today! Let's take this journey together towards achieving your financial goals!

Credit Cards with Rewards

Don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases. Whether it's groceries or gas, every swipe brings you closer to exciting rewards making spending feel more rewarding!

Home Financing Made Easy

For those looking to buy a home or refinance an existing mortgage, our mortgage loans are designed to meet your unique needs. Our friendly staff is ready to guide you through each step of the process so you can secure a home loan that works for you. Sometimes life throws unexpected expenses your way. That's why we also offer personal loans and debt consolidation options. If you need extra cash for a major purchase or want to simplify your monthly payments, we're here to help lighten the load.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that fit any lifestyle. Imagine having an account that allows you to manage your finances effortlessly, with no hidden fees and easy access through our online and mobile banking platforms. You can check your balance, transfer funds, and even pay bills right from your smartphone. If you're in the market for a new vehicle, our auto loans and vehicle financing options make it simple and affordable. With competitive rates and flexible terms, we help you drive away in the car of your dreams without breaking the bank.

Digital & Online Banking

Key Features

Our user-friendly mobile application ensures that you have access to your accounts wherever life takes you. Whether you're out shopping or enjoying a day with family, manage your finances with ease. You can even make mobile payments, allowing you to pay for purchases directly from your phone without carrying cash or cards. We also offer e-statements, so you can view your account statements electronically. This not only saves paper but also makes it easy to track your financial history whenever you want. Plus, with our electronic signature authorization, signing documents has never been easier or more secure. Need to send money to a friend? Our person-to-person transfers make it quick and hassle-free. Just a few taps, and the money is on its way! At Utah Community, we prioritize your security while providing these convenient features. You can bank with peace of mind knowing that all transactions are protected with robust security measures. Overall, our digital and online banking services are designed to fit into your busy lifestyle, giving you real-time access to manage your finances efficiently. Visit us at https://www.uccu.com/ today to learn more about how we can help simplify your banking experience!

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. Located at 1012 W 800 S Payson Ut 84651 in Payson, UT, we are committed to ensuring your money is safe and sound. 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 shines through with a net income of $29,392,875, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $110,111,911. Total Share and Deposit Accounts: 543,082, showing 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 1012 W 800 S Payson Ut 84651 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 financing a new or used vehicle, we provide competitive rates and flexible terms to suit your budget.

Credit Lines and More

In addition to auto and mortgage loans, we provide credit lines that total $751,777,378, allowing our members to access funds when they need them most. This flexibility can be particularly helpful for unexpected expenses or planned purchases. For those considering refinancing options, we encourage you to contact us for details on how we can assist in potentially lowering your monthly payments or securing better rates. If you're interested in learning more about our loan products or would like to discuss eligibility options, please feel free to reach out to us at (801) 223-8188. Our team is here to help you navigate through your choices and find the right loan for your needs. Visit us at our branch located at 1012 W 800 S Payson Ut 84651, Payson, UT, or check out our website at https://www.uccu.com/ for additional information on all our services. Let's work together towards achieving your financial goals!

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 work closely with our members to help navigate the home-buying process and ensure you find a solution that fits your financial situation.

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 various benefits designed to enhance your spending power while keeping costs manageable.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that all information is not only current but also meets strict regulatory guidelines. Users can trust that they are viewing fair and transparent offers.

Utah Community

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans