Business Details
Your Trusted Financial Partner in Salt Lake City
P & S Credit Union has been dedicated to providing personalized financial solutions to Salt Lake County residents for decades. As a member-owned, not-for-profit institution, we prioritize our members' financial well-being through competitive rates, innovative services, and exceptional customer care. Our team of experienced professionals offers expertise in personal and business banking, loan products, and digital banking tools designed to meet modern financial needs. We maintain authoritativeness through NCUA federal insurance and a commitment to financial education, ensuring transparency in all our services.With 24/7 online and mobile banking access, we combine convenience with the personal touch of local service. Our dedication to community development and member satisfaction has earned us consistent positive feedback from long-term members. We operate with full transparency, offering clear fee disclosures and prioritizing ethical financial practices to build lasting trust with our members.
Services
Checking Accounts
Savings Accounts
Personal Loans
Auto Loans
Home Equity Loans
VISA Credit Cards
Online Banking
Mobile Banking
Mortgage Loans
Certificate of Deposit
Highlights and features
- We offer competitive loan rates including auto loans starting at 2.49% APR
- Our 24/7 online and mobile banking provides complete account access anytime
- Member-owned structure ensures profits benefit account holders through better rates
- Experienced staff with decades of combined service to Salt Lake County residents
- Comprehensive financial education resources for improved money management
Associations and certifications
- NCUA Share Insurance Fund
What people say
Exceptional customer service
Competitive loan rates
24/7 account access
Financial education resources
Personalized attention
Services
Personal Loans
Our fixed-rate personal loans provide predictable payments with flexible terms. Members benefit from competitive rates and personalized approval processes that consider individual financial circumstances. These unsecured loans help with debt consolidation, major purchases, or unexpected expenses while maintaining financial stability.
Auto Loans
We offer low-rate auto loans with GAP protection and vehicle warranties. Our financing options cover new and used vehicles with terms matching individual needs. Competitive rates starting at 2.49% APR help members achieve vehicle ownership while protecting their investment.
Home Equity Loans
Leverage your home's equity with our 10-year draw and repayment programs. These loans provide funds for major expenses like home improvements or education costs. Our structured approach ensures manageable payments while accessing significant capital.
Savings & CDs
From regular savings to specialized Christmas Club accounts, we offer multiple options for growing your money. Our member-owned structure allows competitive rates on certificates of deposit and money market accounts that outperform traditional banks.
Online Banking
Manage accounts 24/7 through our secure digital platform accessible from any device. Features include bill pay, fund transfers, and eStatements. Mobile check deposit and real-time transaction tracking provide complete financial control anytime, anywhere.
Questions
How do I access my accounts after hours?
Our online and mobile banking platforms provide 24/7 account access for transactions, bill payments, and check deposits.
What loan options are available for first-time buyers?
We offer competitive-rate auto loans starting at 2.49% APR with GAP protection specifically designed for first-time vehicle buyers.
How can I improve my credit score?
We provide free credit education resources and offer credit-builder loans to help members establish and improve their credit history.
What makes P&S different from big banks?
As a local credit union, we return profits to members through better rates and personalized service unlike large national banks.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 through the NCUA Share Insurance Fund.
How do I apply for membership?
Membership is open to Salt Lake County residents and select union associations. Apply online or visit our Salt Lake City branch.
