The 3 Best Credit Unions Around Utah County

Community-focused financial institutions offer more than competitive rates—they build relationships and reinvest in local economies. Credit unions in Utah Valley provide personalized service, lower fees and member-driven governance that prioritize your financial well‑being. Whether you’re saving for a home, financing a car or building an emergency fund, these cooperatives deliver customized solutions and support that banks often can’t match.

Pacific Horizon Credit Union

Pacific Horizon Credit Union began in 1969 serving local teachers and now welcomes members across Utah Valley. Their savings accounts feature dividend rates that outpace regional banks, and their auto‑loan rates remain among the lowest in the state. Online and mobile banking let you deposit checks, transfer funds and pay bills with ease, while in‑branch financial counselors help plan for college tuition or retirement goals. Community involvement includes scholarship programs and support for local school initiatives.

Utah Community Credit Union

Utah Community Credit Union combines cooperative principles with cutting‑edge technology. Members benefit from a full suite of digital services—TouchBanking®, mobile deposits and person‑to‑person transfers—alongside in‑person assistance at branches throughout Provo and surrounding cities. UCCU’s HomeAdvantage® mortgage program offers closing‑cost rebates, while small‑business loans and merchant services support local entrepreneurs. Educational workshops on budgeting and credit management reinforce UCCU’s commitment to financial literacy.

America First Credit Union

America First Credit Union serves over one million members across 30 Utah Valley locations. Their checking accounts feature no monthly fees and free access to over 37,000 surcharge‑free ATMs nationwide. Competitive certificate and IRA rates help grow long‑term savings, and their Member’s Advantage program offers exclusive discounts on dining, travel and entertainment. With 24/7 call‑center support and a robust mobile app—including card controls and Zelle® transfers—America First makes member service both accessible and award‑winning.

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