Utah Heritage Credit Union Moroni UT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Utah Heritage, your trusted partner in financial services located at 62 W Main St, Moroni, UT 84646. Since our establishment in 1969, we have been dedicated to serving our community with personalized banking solutions tailored to meet your needs. With a total membership of 8,720 and assets exceeding $143,400,591, we pride ourselves on fostering a welcoming environment where every member feels valued. At Utah Heritage, we understand that life is full of financial decisions. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. Our total deposits amount to an impressive $15,748,057, showcasing the trust our members place in us. Under the leadership of CEO Tami Olsen and Board President I Branch Cox, our team of 24 employees is committed to providing exceptional service. We're here to help you navigate your financial journey with ease and confidence. Whether you're looking to finance a new vehicle or save for your future, we're ready to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to PO BOX 50, MORONI, UT 84646. Feel free to reach out via phone at (435) 436-8288 during our operating hours from 9:00 AM to 5:00 PM Monday through Friday. Join us at Utah Heritage and experience the difference a dedicated credit union can make in your financial life. Visit our website at utahheritagecu.org for more information on how we can serve you better!

Branch History & Mission

A Commitment to Progress

As technology advances, so does our commitment to keeping you connected. We offer online banking and mobile payments to ensure that managing your finances is easy and efficient. Our focus on accessibility includes ADA compliance efforts to make sure everyone can access our services without barriers. With total assets reaching $143,400,591, we are proud of our sound financial standing which allows us to continue serving our members effectively. Join us at Utah Heritage where your financial goals meet community spirit! Experience firsthand the benefits of being part of a credit union that truly cares about its members. For more information or assistance, feel free to call us at 435-436-8288 or visit our website at utahheritagecu.org. Together, let's build a brighter financial future!

Our Mission

At Utah Heritage, our mission is clear: we aim to empower our members with tailored financial solutions while nurturing a strong sense of community. We offer a variety of services including personal banking accounts, auto loans, mortgages, personal loans, business banking solutions, and more. Each service is designed with your needs in mind, ensuring that you have the tools necessary for success. We believe in supporting local initiatives and outreach programs that uplift Moroni. By collaborating with local organizations and participating in community events, we strive to make a positive impact that goes beyond banking. While members can visit us at 62 W Main St, official correspondence should be sent to PO BOX 50, MORONI, UT 84646. Our branch operates from 9:00 AM to 5:00 PM, Monday through Friday. Although we currently do not have an ATM or drive-thru service available, we provide robust online and mobile banking options for your convenience.

Branch Location & Accessibility

Convenient Access and Amenities

Our branch is designed with accessibility in mind. We offer ample parking right outside the building, and our facilities are ADA compliant, making it easy for everyone to access our services. Although we currently do not have ATM or drive-thru services available, our friendly team is always ready to assist you inside during our operating hours. We're open Monday through Friday from 9:00 AM to 5:00 PM, so you can visit us at a time that works best for your schedule. Whether you need help opening a new account, applying for a loan, or exploring other financial services, we're here to guide you every step of the way.

Services Tailored for You

At Utah Heritage, we offer a range of personal and business banking services that cater to your needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Our commitment is to ensure that your banking experience is both pleasant and productive. Feel free to give us a call at 435-436-8288 if you have any questions or would like more information about what we offer. Our team looks forward to welcoming you into our branch soon!

Member Eligibility

At Utah Heritage, we believe that becoming a member is like joining a family where support and community are at the heart of everything we do. If you're looking to become part of our welcoming group, you'll find it's quite simple! Eligibility for membership primarily includes individuals who live, work, or worship in our local communities. We also extend our arms to family members of current members, ensuring that everyone can benefit from the services and advantages we offer. You can check out more detailed eligibility criteria on our website at https://utahheritagecu.org/about-us/. Joining us means gaining access to a range of financial services tailored to fit your needs, from checking and savings accounts to loans and credit cards with rewards. The process is designed to be straightforward; simply give us a call at (435) 436-8288 or visit us at our branch located at 62 W Main St Moroni Ut 84646. We're excited to help you take this step toward better financial health and community connection!

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 $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.

Merchant Services

In addition to loans, we offer merchant services that simplify everyday transactions. Imagine having a reliable partner who helps you accept payments seamlessly, ensuring you can focus on what matters most running your business. Our services make it easier for you to manage sales and keep your cash flow steady. Located at 62 W Main St Moroni Ut 84646 in Moroni, UT, we're here to provide personalized service tailored to your needs. Contact us at (435) 436-8288 or visit us online to explore how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While our branch may not have an ATM on-site, we ensure that cash withdrawal services remain accessible for all members whenever needed. At Utah Heritage, located at 62 W Main St Moroni Ut 84646, we're here to support you in achieving your financial goals. For more information about how we can assist you, give us a call at (435) 436-8288 or visit us online at Moroni Operations Center. Let us be part of your financial journey today!

Auto Loans & Vehicle Financing

Need a new car? Our auto loans and vehicle financing options can help turn your dream into reality. Picture driving off in that new vehicle with monthly payments tailored just for you. We provide competitive rates and flexible terms to ensure you're getting the best deal possible.

Business Banking Services

For our business members, we offer comprehensive business banking solutions, including merchant services and business loans. If you're looking to grow your business, our expert team can help you navigate through financing options tailored specifically for entrepreneurs like yourself.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services that allow you to manage your finances from anywhere at any time. From checking balances to transferring funds, everything is just a few clicks away.

Credit Cards with Rewards

Make the most out of your everyday purchases with our credit cards featuring rewards! Enjoy benefits like cash back or travel points while making purchases you would normally make. It's not just about spending; it's about earning rewards along the way.

Home Financing Made Easy

Buying a home is one of the most significant decisions you'll ever make, and we are here to guide you every step of the way with our mortgage loans and refinancing services. Whether it's your first home or you're looking to refinance an existing mortgage, our team will help simplify the process so you can focus on what truly matters making it yours.

Personal Banking Solutions

We understand that managing finances can sometimes feel overwhelming. That's why at Utah Heritage, we offer personal banking options that include checking and savings accounts designed to make your life easier. Imagine having a checking account that helps you track spending effortlessly or a savings account that grows your money over time. Our friendly staff is here to help you choose the right options for your individual needs.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans and debt consolidation services are designed to provide quick access to cash when you need it most. Whether you're planning a vacation or need funds for an emergency, we have solutions that fit your lifestyle.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://utahheritagecu.org/, you can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Our online banking portal is intuitive and straightforward, making it simple to keep track of your accounts in real time.

Easy Transfers and Statements

Need to send money to a friend? Our person-to-person transfer service makes sharing expenses easy and hassle-free. And if you prefer paperless options, e-statements are available so you can review your account activity without cluttering your mailbox.

Features Designed for You

Want to make payments on the fly? Our mobile payments feature lets you use your smartphone to pay for purchases quickly and securely. Plus, with our mobile application, you have access to all your banking needs right at your fingertips. Whether you're at a coffee shop or traveling across the country, you'll always have control over your finances.

Security You Can Trust

Your security is our top priority. While we do not currently offer electronic signature authorization, rest assured that all transactions made through our online services are protected with advanced security measures. In summary, Utah Heritage combines accessibility and ease-of-use with essential features tailored to meet your banking needs. Join us today and experience the convenience of modern banking!

Financial Strength

At Utah Heritage, 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 trust is built through transparency, which is why we're proud to share insights into our financial strength. 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. 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. Our commitment to your financial well-being is further illustrated by our $10,917,663 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,337 in used auto loans and $103,025,789 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $613,518, 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. Net Shares (Funds available for lending and investments): $55,621. Total Share and Deposit Accounts: 17,216, 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 62 W Main St Moroni Ut 84646 or call (435) 436-8288 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 $22,151,908 in used vehicle loans and $5,619,207 in new vehicle loans already helping members get on the road. Whether it's a new model or a reliable used vehicle, we have flexible terms and competitive rates that can make your purchase easier.

Business Financing

For business owners, our outstanding commercial loans totaling $3,474,415 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business, we are dedicated to supporting local entrepreneurship.

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. These cards come with various benefits that can suit different spending habits while providing an easy way to handle unexpected expenses.

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're here to guide you through the process and ensure you find the right fit for your financial situation.

Refinancing Options

If you're considering refinancing any of your existing loans, our team is available to discuss eligibility options and guide you through potential savings. It's always worth exploring how refinancing could benefit you financially. Our branch is conveniently located at 62 W Main St Moroni UT 84646, and we're here to assist you from 9:00 AM to 5:00 PM Monday through Friday. If you have questions or want more details about any of our loan products, don't hesitate to reach out at (435) 436-8288. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us partner with you on this journey toward achieving your financial objectives!

Loan Aggregator

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UTAH HERITAGE CREDIT UNION - Moroni, UT

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