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50+ Years
experience
Your Trusted Financial Partner in Utah County
Founded in 1956 by educators from the Nebo School District, we have remained committed to serving Utah County with personalized financial solutions. Our mission centers on advocating for members through competitive products like zero-fee checking, auto loans, and mortgages, alongside digital convenience tools. With three local branches and over 13,000 members, we combine the resources of a major institution with the accountability of a community-focused cooperative. Our team prioritizes in-house decision-making for loans, ensuring faster approvals tailored to individual needs. Financial education and community reinvestment remain core to our philosophy, reflecting our belief that informed decisions today build stronger futures.

As a member-owned credit union, we measure success through the prosperity of those we serve, not profit margins. Our 24/7 digital banking platform empowers members to manage accounts securely from anywhere, while local tellers provide personalized support during business hours. Through decades of service, we have maintained the trust of generations by adhering to principles of transparency, fairness, and ethical stewardship. Whether opening a first savings account or financing a home, members benefit from our deep understanding of Utah County's unique financial landscape. This enduring commitment to community and member-first values continues to define our identity after more than 65 years.
Services
Checking Accounts Savings Accounts Signature Loans Auto Loans Mortgages Credit Cards Debit Cards Mobile Banking
Details
  • Year established: 1956
Highlights and features
  • We've served Utah County since 1956 with locally-made lending decisions
  • Our zero-fee checking accounts require no minimum balances
  • Competitive mortgage rates with personalized underwriting
  • Signature loans up to $5,000 approved with just your signature
  • 24/7 digital banking combined with in-person branch support
Services
Checking Accounts
Our free checking accounts offer 0.05% APY with $100+ balances, no minimum requirements, and digital convenience features. Members access mobile check deposit, VISA debit cards, and automated bill payments. Account holders receive one free cashier's check daily and enjoy overdraft protection options.
Signature Loans
Borrow up to $5,000 with just your signature through our signature loan program. These 36-month term loans feature 12.9% APR with no prepayment penalties, offering faster access than traditional financing while avoiding payday loan risks.
Credit Cards
Our VISA credit cards provide 12.9% APR with 25-day grace periods and no annual fees. Cardholders earn rewards points redeemable for travel and merchandise while accessing zero fraud liability protection and 24/7 lost card assistance.
Mortgages
Local mortgage experts help members secure competitive home financing solutions. We offer personalized underwriting and community-focused lending programs tailored to Utah County's housing market needs.
Auto Loans
New and used auto loans feature in-house approval processes and competitive rates. Our first-time buyer programs help members establish credit while accessing reliable transportation financing options.
Questions
How do I become a member?
Membership requires living in Utah County, working/studying in Nebo/Juab/Tintic school districts, or having an immediate family member who's already a member.
What loan options are available?
We offer signature loans up to $5,000, auto loans, mortgages, and credit cards with personalized approval processes and competitive rates.
Are there any account fees?
Our checking accounts have no monthly fees, minimum balance requirements, or direct deposit conditions. We provide one free cashier's check daily.
What digital banking tools exist?
24/7 online banking includes mobile check deposit, bill pay, card controls, and real-time balance tracking through our app or website.
How quickly are loan decisions made?
Most signature and auto loan applications receive in-house decisions within one business day during regular operating hours.
What happens if my card is lost?
Call 1-800-472-3272 immediately to report lost/stolen cards. You'll receive zero liability protection for unauthorized transactions reported promptly.