Utah Heritage Credit Union Moroni UT | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Utah Heritage, your trusted financial partner located at 84 W Main St, Moroni, UT 84646. Since our establishment in 1969, we have been dedicated to serving our community with reliable and personalized banking solutions. With a strong membership base of over 8,720 members and total assets amounting to an impressive $143,400,591, we are committed to helping you achieve your financial goals. At Utah Heritage, we pride ourselves on our member-focused approach, offering a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. Our total deposits currently stand at $15,748,057, reflecting the trust our members place in us. We also maintain a net worth of $15,959,484 and have cash in hand totaling $1,075,677, ensuring that we are well-positioned to meet your needs. Under the leadership of our CEO, Tami Olsen, and Board President, I Branch Cox, our team of 24 employees is here to provide exceptional service every day. Whether you need assistance with online banking or personal finance advice, we are here for you. While you can visit us at our main branch for all your banking needs during lobby hours from Monday to Friday (9 AM to 5 PM), official correspondence should be directed to our mailing address: PO Box 50, Moroni, UT 84646. We invite you to explore how Utah Heritage can enhance your financial journey. For more information or to get started today, please call us at 435-436-8288 or visit our website at utahheritagecu.org. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to Utah Heritage, a proud part of the Moroni community since 1969. Located at 84 W Main St, Moroni, UT 84646, our branch has been dedicated to serving the financial needs of our members and their families for over five decades. With a total membership of 8,720 and total assets amounting to an impressive $143,400,591, we have grown alongside our community, adapting to meet the evolving needs of those we serve. Utah Heritage was founded with a simple mission: to provide accessible financial services that empower individuals and support local initiatives. We believe in creating meaningful relationships with our members while fostering economic growth within Sanpete County. Our commitment is reflected in every service we offer, from personal banking solutions like checking and savings accounts to auto loans and business financing options. Throughout the years, we have achieved significant milestones that reflect our dedication to progress and member satisfaction. Our branch offers convenient drive-thru banking services, allowing members to conduct transactions efficiently without leaving their vehicles. While we currently do not have ATM availability, we ensure that all members can access funds through online and mobile banking platforms. Our mission goes beyond just providing financial products; it's about being a reliable partner in our members' lives. We actively engage in community outreach efforts that support local events and charities, reinforcing our belief that when our community thrives, we all succeed together. For official correspondence, please send mail to PO Box 50, Moroni, UT 84646. Our friendly team is here Monday through Friday from 9 AM to 5 PM in the lobby and 8:30 AM to 5 PM at the drive-thru. If you have any questions or need assistance, don't hesitate to reach out at 435-436-8288. As we look toward the future, Utah Heritage remains committed to innovation while maintaining the personalized service that sets us apart. We invite you to join us on this journey experience the benefits of becoming a member of Utah Heritage today! Visit us online at utahheritagecu.org for more information on how you can get started. Together, let's build a brighter future for our community!

Branch Location & Accessibility

Accessibility Features

Our branch is fully equipped to accommodate everyone. With ADA-compliant features, including ramps and spacious entrances, we ensure that every member of our community can access our services without any hassle. Parking is also available nearby, making it simple for you to stop by whenever you need.

Operating Hours

We understand that life gets busy! That's why our lobby hours are designed to fit your schedule. You can visit us Monday through Friday from 9 AM to 5 PM. For those who prefer drive-thru service, we open earlier at 8:30 AM and offer convenient service until 5 PM.

Services Offered

At Utah Heritage, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our drive-thru banking allows you to handle deposits and withdrawals quickly and easily. If you have questions or need assistance, don't hesitate to reach out! You can call us at 435-436-8288 for any inquiries or just drop by during our operating hours. We look forward to welcoming you soon!

Member Eligibility

At Utah Heritage, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in the Sanpete County area, you're likely eligible to join us. We also welcome family members of existing members, so you can share the benefits of our services with your loved ones. Membership here means access to personalized banking solutions tailored to your needs, along with competitive rates on loans and savings. To get started, simply visit our website for the most up-to-date eligibility criteria at https://utahheritagecu.org/about-us/ . If you have any questions or want to chat about becoming a member, don't hesitate to call us at (435) 436-8288. We're excited to help you open an account and start enjoying all the advantages of being part of Utah Heritage!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a streamlined way to process payments while keeping your cash flow healthy. Our merchant services make it easy for you to accept payments from customers whether they prefer credit cards, debit cards, or mobile payments. This practical support means you can focus on what truly matters: growing your business. Located at 84 W Main St Moroni Ut 84646, Moroni, UT, our team is ready to partner with you on your journey. Reach out at (435) 436-8288 to learn more about how we can assist your business today!

Tailored 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,474,415, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For business owners, we offer specialized services like merchant services and business loans tailored to help grow your venture. Whether you're starting a new project or expanding your existing operations, we're here to support you every step of the way.

Digital Banking Made Easy

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking options. With these tools at your fingertips, you can conduct transactions, deposit checks remotely, and even transfer funds between accounts all from the comfort of your home or while on the go.

Drive-Thru Services

If you're in a hurry but still need to handle banking tasks like deposits or withdrawals, our basic drive-thru banking service allows for quick transactions without leaving your car. At Utah Heritage in Moroni, we understand that everyone's financial journey is unique. That's why we strive to offer personalized solutions that fit seamlessly into your life. If you have questions or want to learn more about how our services can benefit you, feel free to call us at 435-436-8288 or visit us today! Let us partner with you on this journey toward financial success!

Personal Banking Solutions

Our personal banking offerings include checking and savings accounts that help you manage your finances easily. Imagine having the peace of mind knowing your money is secure while earning interest on your savings. We also provide auto loans and vehicle financing, making it simple for you to get behind the wheel of your dream car. With competitive rates and flexible terms, we can help you drive away happy. When it comes to buying a home, our mortgage loans and refinancing options are designed with you in mind. Our experienced team will guide you through the process, ensuring that you find the right loan for your unique situation. Additionally, if you're facing financial challenges or want to consolidate debt, our personal loans can offer relief by simplifying payments into one manageable monthly installment.

Rewards and Convenience

Don't forget about our credit cards with rewards! These cards not only offer great perks but also provide an easy way to earn cash back on everyday purchases. Plus, managing your credit card is a breeze with our online and mobile banking features. You can check balances, make payments, and monitor transactions from anywhere.

Digital & Online Banking

Conclusion

In today's fast-paced world, having reliable digital banking options is essential. At Utah Heritage, we aim to make your banking experience smooth and hassle-free. Explore all that we have to offer by visiting https://utahheritagecu.org/ today!

E-Statements and Security

Keeping track of your financial statements has never been easier with our e-statements feature. You can receive your statements electronically no more waiting for them in the mail! This not only saves time but also helps keep your information secure. We prioritize your security by ensuring that all transactions made through our online platforms are safe and protected. Although we don't currently offer electronic signature authorization for documents, rest assured that our systems are built with strong security measures in place.

Mobile Application

For those who prefer to bank on their mobile devices, we have a dedicated mobile application available for download. This app allows you to manage your accounts directly from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or family is quick and easy. Plus, if you ever forget to check your balance before heading out, you can do it instantly with just a tap.

Online Banking Services

With our 24/7 online banking services, you can access your accounts anytime through our website at https://utahheritagecu.org/ . Check balances, transfer funds, pay bills, and more all from the comfort of your home or while you're out running errands. Our user-friendly platform ensures that all your banking needs are just a few clicks away.

Financial Strength

Growing Membership Base

Our commitment to service is reflected in our growth; we currently have a total of 17,216 accounts 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 Heritage is your trusted partner. Visit us at 84 W Main St Moroni Ut 84646 or call (435) 436-8288 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $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 prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 19 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

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. Our lending capacity supports members' financial goals across various sectors with $1,337 in used auto loans and $103,025,789 in total loans and leases.

Solid Financial Health

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 $1,113 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 flexible terms and competitive rates that make it easier for you to drive away in your dream vehicle.

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. We provide personalized guidance throughout the process to ensure you find a loan that fits your needs.

Other Lending Options

For business owners looking for growth opportunities, our outstanding commercial loans totaling $3,474,415 provide the capital needed to expand your operations. Additionally, we offer credit lines up to $10,000,000, ensuring you have access to funds when you need them most. If you're considering refinancing or want to check your eligibility for any of these products, feel free to visit our website or contact us directly. We're here to help you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Utah Heritage Credit Union, we're dedicated to helping our community thrive financially through tailored lending solutions that meet your unique needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,305,040 in loans helping members manage their finances effectively. This option allows for easy access to funds when unexpected expenses arise while offering competitive interest rates.

Loan Aggregator

How LendMesh Ensures Accurate 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 commitment to accuracy ensures that users receive fair and transparent offers when exploring their borrowing options. LendMesh takes pride in delivering verified data. All loan offers come from legitimate financial institutions, which fosters trust and transparency in the comparison process. Unlike many other platforms, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the platform focuses solely on providing unbiased results that allow users to make informed decisions. With real-time rate comparisons, LendMesh keeps its database up-to-date with current loan rates from multiple institutions. This means that you can see accurate offers at any moment, empowering you to select the best option for your financial situation.

User Testimonials

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UTAH HERITAGE CREDIT UNION - Moroni, UT