|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Utah Heritage Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Utah Heritage Credit Union's IRA Savings CDs 2 yrs rates are at 4.35%, 2 yrs Savings CD rates are at 4.25%, Savings CD 2 Year Term rates are at 4.25%, IRA Savings CDs 3 yrs rates are at 4.15%, IRA Savings CDs 4 yrs rates are at 4.10%. Utah Heritage Credit Union's savings rates are at 0.00%. Utah Heritage Credit Union's money market rates are at 0.00%. Utah Heritage Credit Union's Personal Loan Rates are at 12.99%. MonitorBankRates evaluates the financial stability of Utah Heritage Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.38%. Rates were last updated on 04/08/2026. Utah Heritage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Utah Heritage Credit Union? Share your experience about Utah Heritage Credit Union by leaving a review below, or read customer reviews before you decide to use Utah Heritage Credit Union. 
Utah Heritage Credit Union CD Rates
Utah Heritage Credit Union Savings Rates
Utah Heritage Credit Union Money Market Rates
Utah Heritage Credit Union Auto Loan Rates
Utah Heritage Credit Union Credit Card Rates
Utah Heritage Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Utah Heritage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Utah Heritage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Utah Heritage Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Utah Heritage Credit Union
Website
https://www.utahheritagecu.org
Address
84 W Main St,
Moroni, UT 84646
Phone
435-436-8288
Fax
435-436-8190
President
I Branch Cox
CEO
Tami Olsen
Full-Time Employees
20
Part-Time Employees
7
Branch Locations
5
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.38%
Return on Assets (ROA)
1.3191%
Return on Equity (ROE)
11.0517%
Non-Performing Loans Ratio (NPL)
1.95%
Total Assets
155,476,594
Total Amount of Shares and Deposits
135,330,567
Total Shares and Deposits < 1 Year
118,993,140
Total Shares and Deposits 1 3 Years
14,169,971
Total Shares and Deposits > 3 Years
2,167,456
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,259,864
Total Uninsured Shares and Deposits > $250K (F+J)
7,259,864
Total Insured Shares and Deposits > $250K (item 17 less item K)
128,070,703
Total Interest Expense (Sum of items 6 8)
2,509,145
Share Certificates
2,204
Number of Accounts for Share Drafts
4,659
IRA KEOGH Accounts
420
Number of Accounts for Regular Shares
10,112
All other shares
37
Money Market Shares
265
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,688,516
Total Liabilities
136,918,916
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Utah Heritage Credit UnionIs Utah Heritage Credit Union a safe place to deposit money?Yes, Utah Heritage Credit Union is considered a safe financial institution. With a Texas Ratio of 11.384048155163%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Utah Heritage Credit Union operate?Utah Heritage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Utah Heritage Credit Union?Yes, to access services at Utah Heritage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Utah Heritage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Utah Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Utah Heritage Credit Union offer online and mobile banking?Most modern institutions like Utah Heritage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.utahheritagecu.org. Current Utah Heritage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Wheatland Federal Credit Union
Pace Federal Credit Union
Gulf Coast Federal Credit Union
Bayonne City Employees Federal Credit Union
Central Credit Union of Illinois
TRUE NORTH
Cascade Federal Credit Union
People\'s Community Federal Credit Union
Youngstown City Schools Credit Union
Tampa Postal Federal Credit Union
Griffith Institute Employees Federal Credit Union
California Credit Union
Asbury Federal Credit Union
Building Trades Federal Credit Union
TrailNorth Federal Credit Union
Upper Darby Bell Telco Federal Credit Union
Service Credit Union
Riverview Federal Credit Union
TAPCO Credit Union
Aflac Federal Credit Union
Tacoma Longshoremen Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
