Utah Heritage Credit Union Ephraim UT | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Utah Heritage, your trusted partner in financial well-being, located at 268 S Main St, Ephraim, UT 84627. Established in 1969, our credit union has proudly served the community for over five decades, building strong relationships with our 8,720 members and counting. With total assets reaching an impressive $143,400,591, we are committed to providing personalized financial services that meet the unique needs of every member. At Utah Heritage, we believe in empowering our members with the tools they need for financial success. Whether you're seeking a new auto loan from our portfolio of 5,825 loans and leases, or looking to secure a mortgage for your dream home, our dedicated team is here to help. We also offer a range of services including personal banking accounts, credit cards with rewards, and business banking solutions tailored for local entrepreneurs. Our leadership team is passionate about fostering a supportive environment. Led by CEO Tami Olsen and Board President I Branch Cox, our staff of 24 employees is always ready to assist you with your banking needs. You can reach us at 435-283-8288 during lobby hours from Monday to Friday (9 AM - 5 PM) and Saturday (9 AM - 12 PM). For any official correspondence, please note our mailing address is the same as our branch: 268 SOUTH MAIN, EPHRAIM, UT 84627. Join us today and experience the difference that comes from being part of a community-focused credit union. Visit our website at utahheritagecu.org or stop by our branch to learn more about how we can help you achieve your financial goals!

Branch History & Mission

At Utah Heritage, we take pride in our rich history and commitment to the community. Our Ephraim Branch, located at 268 S Main St, Ephraim, UT 84627, has been serving members since its inception in 1969. With a foundation built on trust and service, we have grown alongside our community, now boasting a total membership of 8,720 individuals and total assets reaching an impressive $143,400,591. Over the years, Utah Heritage has evolved significantly. We began as a small credit union dedicated to providing affordable financial services to local residents. Today, we are proud to offer a wide range of products including personal banking accounts, auto loans, mortgage options, and business services. Our mission is clear: to empower our members by providing financial solutions that enhance their lives while supporting the economic growth of our community. Our commitment extends beyond just banking. We believe in actively participating in community outreach efforts and partnerships that make a real difference. From sponsoring local events to offering financial education workshops, we strive to contribute positively to the lives of those we serve. While members can visit us at 268 S Main St, official correspondence should be sent to 268 SOUTH MAIN, EPHRAIM, UT 84627 if different. Our operating hours are convenient Monday through Friday from 9 AM to 5 PM, with drive-thru service available starting at 8:30 AM. We also welcome you on Saturdays from 9 AM to 12 PM. In addition to traditional services, we embrace modern banking conveniences such as online banking and mobile payments. Our ATM is available for easy access to cash anytime you need it. At Utah Heritage, we are dedicated not only to your financial health but also to ensuring that everyone can navigate their banking needs with ease. As we look toward the future, we invite you to join our family at Utah Heritage. Experience firsthand the benefits of membership and discover how we can support your financial goals while making a meaningful impact in Ephraim and beyond. For more information or assistance, feel free to call us at 435-283-8288 or visit our website at Utah Heritage. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call-to-Action

Ready to experience friendly service and comprehensive financial solutions? We invite you to visit us at the Ephraim Branch or give us a call at (435) 283-8288. Our dedicated team is here to help you every step of the way!

Nearby Landmarks and Accessibility

Situated near local favorites and community landmarks, our branch is just a short walk from the scenic Ephraim City Park and close to several dining options that make it easy to combine your errands with a meal. We prioritize accessibility for all our members; our branch features ADA-compliant ramps and parking spaces to ensure everyone can visit us comfortably.

Operating Hours and Services

At Utah Heritage, we understand that your time is valuable. That's why we offer flexible operating hours: our lobby is open Monday through Friday from 9 AM to 5 PM, and Saturday from 9 AM to 12 PM. For your convenience, our drive-thru service operates Monday through Friday from 8:30 AM to 5 PM. We offer a range of services tailored to meet your financial needs, including personal banking accounts, auto loans, mortgage options, credit cards with rewards, and more. Plus, you can enjoy basic ATM services for cash withdrawals and balance checks right at your fingertips.

Member Eligibility

At Utah Heritage, we're excited to welcome you into our community! Becoming a member is simple and offers you a chance to enjoy personalized banking services tailored just for you. To qualify, you need to meet certain criteria, which primarily include living or working in the areas we serve, or being part of specific organizations. We believe in inclusivity, so even if you're unsure about your eligibility, we're here to help you figure it out! You can find all the detailed eligibility requirements at https://utahheritagecu.org/about-us/. Opening an account with us is straightforward and hassle-free. Whether you're looking for a checking account, savings option, or loans, our friendly team at 268 S Main St Ephraim Ut 84627 is ready to assist you every step of the way. If you have any questions or want to get started right away, don't hesitate to give us a call at (435) 283-8288. Join us today and experience the benefits of being part of the Utah Heritage family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $57 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $3,474,415, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide essential merchant services that streamline your payment processing. Picture this: a busy Saturday morning where customers are lining up at your store. With our efficient merchant solutions, you can accept payments quickly and securely, allowing you to focus on what really matters serving your customers. Whether you're a start-up or an established enterprise, Utah Heritage is here to support your journey every step of the way. Located at 268 S Main St Ephraim Ut 84627 in Ephraim, UT, we invite you to explore how our business banking services can make a difference for your company. For more information, call us at (435) 283-8288 or visit our website at utahheritagecu.org.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? We provide ATM and Cash Withdrawal Services at convenient locations for easy access to your money whenever you need it. Our drive-thru banking also allows you to conduct simple transactions without leaving your car. At Utah Heritage in Ephraim, we strive to create an environment where all members feel valued and supported. To learn more about how our services can help you achieve financial success or if you have any questions about our offerings, don't hesitate to call us at 435-283-8288 or visit us online at utahheritagecu.org. We look forward to assisting you!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, consider our Auto Loans and Vehicle Financing options. We offer competitive rates that can fit any budget. Picture driving away in your dream car without the stress of complicated financing processes. Our team is ready to assist you every step of the way.

Business Banking

For business owners, our Business Banking services include merchant services and business loans tailored to help your company thrive. We know that running a business comes with challenges, so we aim to simplify banking tasks so you can focus on what matters most growing your enterprise.

Credit Cards with Rewards

Don't miss out on rewards! Our Credit Cards with Rewards program allows you to earn points on everyday purchases. You can enjoy benefits like cash back or travel perks while using a card that suits your spending habits.

Mortgage Loans & Refinancing

Homeownership dreams are within reach thanks to our Mortgage Loans and Refinancing services. We understand how important it is to find the right mortgage that fits your lifestyle. With personalized assistance, we can guide you through different loan options and help you save on monthly payments through refinancing if needed.

Personal Banking

For those looking to manage their everyday finances, our Personal Banking services include checking and savings accounts designed with your convenience in mind. Imagine having easy access to your funds while benefiting from competitive interest rates that help your money grow. Our online and mobile banking features make it simple for you to check balances, transfer funds, and pay bills right from your phone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer Personal Loans and Debt Consolidation services. Whether it's an emergency repair or a plan to consolidate debt into one manageable payment, we're here to provide financial solutions that work for you.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://utahheritagecu.org/, provides members with 24/7 access to their accounts. You can check balances, transfer funds, pay bills, and review transactions all from the comfort of your own home. And if you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it easy and hassle-free. For those who prefer managing their banking on mobile devices, our mobile application is available for download. It allows you to take advantage of mobile payments, making transactions even more convenient. Plus, if you choose to go paperless, you can opt for e-statements, which are not only environmentally friendly but also help you keep track of your finances in a secure manner.

Security and User-Friendliness

At Utah Heritage, we prioritize your security. While we currently do not offer electronic signature authorization, rest assured that our online banking systems are designed with robust security measures to protect your information. Our user-friendly interface ensures that navigating through your account is straightforward and simple. With these digital tools at your fingertips, managing your finances has never been easier. You can stay on top of your accounts in real-time while enjoying the peace of mind that comes from knowing your information is safe. Experience the convenience of modern banking with Utah Heritage today!

Financial Strength

Dedicated Team at Your Service

We take pride in having 19 full-time employees and 5 part-time employees who are dedicated to serving you with knowledge and care. Our team is always ready to assist you with any questions or concerns.

Growing Membership Base

With a total of 17,216 accounts, we showcase a strong and growing member base that trusts us with their finances. Our commitment to serving our community shines through every interaction. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Utah Heritage is your trusted partner. Visit us at 268 S Main St Ephraim Ut 84627 or call (435) 283-8288 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are our priority! We have secured $58,821,553 in share certificates and $11,246,962 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we focus on you our members with no non-member deposits affecting our core services.

Reinvestment for Growth

With $10,917,663 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment helps ensure that we can provide the best possible experience for you.

Strong Financial Foundation

With a net worth of $15,959,484, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.13% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Needs

Our lending capacity supports your financial goals across various sectors, with $1,337 in used auto loans and $103,025,789 in total loans and leases available to help meet your needs. Even though our current net income is $613,518, it reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $22,151,908 in used vehicle loans and $5,619,207 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find something that fits your budget and lifestyle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $3,474,415 provide the capital needed to grow and expand. We know how essential it is for businesses to have access to funding for operations, equipment purchases, or other critical expenses.

Credit Lines and Unsecured Credit Cards

For those needing extra flexibility, we offer credit lines totaling $10,000,000. This can be an excellent option for managing unexpected expenses or large purchases. We also have flexible terms on unsecured credit card loans, with a total of $1,305,040 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,695,855, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans, we can assist with that too. It's an excellent way to lower your monthly payments or tap into the equity you've built over time. At Utah Heritage, we're committed to helping you navigate your financial journey. For more information about our loan products or eligibility requirements, feel free to reach out at (435) 283-8288 or visit us at 268 S Main St Ephraim Ut 84627 in Ephraim, UT. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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UTAH HERITAGE CREDIT UNION - Ephraim, UT

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