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Utah Community

360 W 4800 N, Provo, UT 84604
NCUA Insured4.4 (286 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

360 W 4800 N

Provo, UT 84604

Service Area

This credit union is located in Provo and serves members in the UT area. Currently serving 265,405 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

5.74%

Personal Loan

13.31%

Credit Card APR

18.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in UT

Lowest rates currently reported by credit unions in UT (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(26 total)

Member Reviews

4.4

286 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Joshua Barron

Joshua Barron

3 months ago

When I came in around 3, nobody greeted me. Four employees were gathered at the drive thru talking and laughing and didn’t pay me any attention, not even the two who I’ve met before. The employee I approached didn’t seem interested in helping me, but was absolutely willing to. She even helped me get some contact info for someone in the back office helping me with another matter, and I’m very grateful for her help! But this was a pretty poor experience compared to the others I’ve had at the Freedom branch.

Gavin Skousen

Gavin Skousen

5 months ago

Shout out to Heather for her amazing customer service! She was helpful and proactive in following up of her own accord on some issues with one of my accounts.

Alexis Wride

Alexis Wride

8 months ago

I am extremely frustrated with how UCCU has handled our situation. We recently had a 30-day late payment reported on our credit, which we were shocked to discover. Our account had been set to autopay, but without our knowledge it stopped working, and we were never notified of a missed payment until it already damaged our credit. When we reached out, we requested a goodwill adjustment since we have always made our payments on time and were completely unaware of the issue. UCCU refused to help. They claimed they had sent letters, but those letters were being returned to them—so we never received a single notice. Instead of taking responsibility or offering any kind of support, they left us with the negative mark on our credit, which has had a huge impact. We have worked hard to maintain excellent credit, and this one incident—caused by poor communication and a failed notification process—has severely hurt us. It’s disappointing that UCCU has shown no willingness to listen or help their customers in situations like this.

Jacob Holman

Jacob Holman

a year ago

I just opened my credit card account and I was super nervous, Frank helped make it such a positive experience. He walked me through every detail, explained every question in a way that I could easily understand. And helped educate me on how to build a good credit score! Thank you UCCU! #GiveFrankARaise

James Hall

James Hall

10 months ago

We recently worked on a lot loan with Gayla, who was wonderful to work with. She is an excellent communicator, helpful, and was patient with a challenging lot and location. Frank was also great, I'd highly recommend checking out UCCU as a first option in Provo!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).