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Utah Power Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| iEditorial Disclosure
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 and Verified: September 3, 2026

Utah Power Credit Union's 12 Month CD rates are at 4.50%, Savers 12-Month rates are at 4.50%, 24 Month CD rates are at 4.25%. Utah Power Credit Union's savings rates are at 0.28%. Utah Power Credit Union's 15-year Fixed rates are at 5.88%, 30/15-year Fixed rates are at 6.37%, 30-year Fixed rates are at 6.50%, 1st Time Home Buyer 30/15-year Fixed rates are at 7.12%. Utah Power Credit Union's Personal Loan Rates are at 8.00%. MonitorBankRates evaluates the financial stability of Utah Power Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.19%. Rates last updated and verified on 09/03/2026.

Utah Power 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 Power Credit Union? Share your experience about Utah Power Credit Union by leaving a review below, or read customer reviews before you decide to use Utah Power Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.19%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Utah Power Credit Union
Murray Office
957 E 6600 S
Murray, UT 84121-2444
https://www.utahpowercu.org
Member NCUA

Utah Power Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate - 4.50%
Min Deposit $500
Details Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%
Savers 12-Month - 4.50%
Min Deposit $9
Min Balance $9
Details Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Minimum deposit of $9 at opening and $9 per month, up to $10,000.00.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%
24 Month Certificate - 4.25%
Min Deposit $500
Details Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%

Utah Power Credit Union Savings Rates

Product Rate APY View More
Savers 12-Month - 4.50%
Min Deposit $9
Min Balance $9
Details Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Minimum deposit of $9 at opening and $9 per month, up to $10,000.00.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%
Business Savings - 0.28%
Details The Board of Directors has declared a dividend on earnings for the second quarter of 2026 payable July 1, 2026. Fees may reduce earnings.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%

Utah Power Credit Union Mortgage Rates

Product Rate Points APR Term View More
15-year Fixed 5.88% - 6.03%
Details Rates are as of 9/01/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%
30/15-year Fixed 6.37% - 6.46%
Details Rates are as of 9/01/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%
30-year Fixed 6.50% - 6.60%
Details Rates are as of 9/01/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%
1st Time Home Buyer 30/15-year Fixed 7.12% - 7.21%
Details Rates are as of 9/01/2026 and are subject to change. *Annual Percentage Rate based on $400,000 loan and 5% minimum equity. Other rates and terms available contact the mortgage department.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%

Utah Power Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 5.75% 10-year
Details View Home Equity Disclosures
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%

Utah Power Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.29% 60-month
No additional details.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%

Utah Power Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 9.90%
Details Receive up to 1% discount when you use your new Utah Power Credit Union Visa to pay off other credit cards. Limit Up to $15,000 Fixed-Rate
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%

Utah Power Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 8.00% 12-month
No additional details.
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.19%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Utah Power Credit Union’s Texas Ratio rose from 0.31% in Q2 2023 to 1.19% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 3.8% 2.0★ 7.5% 3.0★ 11.3% 4.0★ 15% 5.0★ 15% Verified Healthy line 0.31% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 1.19% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.1B1.19%5.0A+
December 31, 2025$1.1B1.22%5.0A+
September 30, 2025$1.0B1.00%5.0A+
June 30, 2025$1.0B1.34%5.0A+
March 31, 2025$1.0B0.56%5.0A+
December 31, 2024$993M0.94%5.0A+
September 30, 2024$970M0.64%5.0A+
June 30, 2024$959M0.56%5.0A+
March 31, 2024$951M0.50%5.0A+
December 31, 2023$923M0.56%5.0A+
September 30, 2023$905M0.41%5.0A+
June 30, 2023$894M0.31%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Utah Power 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 Power 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 Power Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Utah Power Credit Union
Website https://www.utahpowercu.org
Address 957 E 6600 S, Murray, UT 84121-2444
Phone 801-708-8900
Fax
President Stephen Hastings
CEO Ryan Pollick
Full-Time Employees 53
Part-Time Employees 16
Branch Locations 8
ATM Locations 4
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.19%
Return on Assets (ROA)
0.3117%
Return on Equity (ROE)
2.3125%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
1,090,893,883
Total Amount of Shares and Deposits
949,202,218
Total Shares and Deposits < 1 Year
902,091,211
Total Shares and Deposits 1 3 Years
47,111,007
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
202,958,663
Total Uninsured Shares and Deposits > $250K (F+J)
202,958,663
Total Insured Shares and Deposits > $250K (item 17 less item K)
746,243,555
Total Interest Expense (Sum of items 6 8)
6,004,019
Share Certificates
12,057
Number of Accounts for Share Drafts
20,494
IRA KEOGH Accounts
896
Number of Accounts for Regular Shares
50,454
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,481,904
Total Liabilities
952,219,978
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Utah Power Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/utah-power-credit-union-rates-review-67132">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Utah Power Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Utah Power Credit Union

How many branches does Utah Power Credit Union operate?

Utah Power 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 Power Credit Union?

Yes, to access services at Utah Power 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 Power 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 Power Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Utah Power Credit Union offer online and mobile banking?

Most modern institutions like Utah Power 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.utahpowercu.org.

Current Utah Power Credit Union Rates

  • 12-Month CD4.50%
  • 24-Month CD4.25%
  • Savings0.28%
Retrieved from our database of financial products. Rates subject to change.

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