Utah Power Credit Union

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Eligiblity

You are eligible for membership if you are an employee or retiree of: PacifiCorp, WECC, Union Pacific Railroad (living and/or working in Carbon or Emery County), Southern Pacific Railroad, Utah Railway Company, Moon Lake Electric, Deseret Power, Blue Mountain Energy, Dixie Power, Garkane Electric, Flowell Electric, Bridger Valley Electric, Mount Wheeler Power, Intermountain Consumer Power Association, Intermountain Power Agency, Utah Associated Municipal Power Systems, or Utah Rural Electric Association.

Parents, siblings, spouses and children of all Credit Union members are also eligible.

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What You Need to Know about Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, or overdraft line of credit, which may be less expensive than our standard overdraft practices.

This notice explains our standard overdraft practices.

We do authorize and pay overdrafts for the following types of transactions:
• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Utah Power Credit Union pays my overdraft?

Under our standard overdraft practices:
• We will charge you a fee of up to $21 each time we pay an overdraft.
• There is no limit on the total fees we may charge you for overdrawing your account.

Would you like Utah Power Credit Union to authorized and pay overdrafts on my everyday debit card transactions?

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Title

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Credit Union offices will be closed Monday, January 20, 2020 in observance of Martin Luther King Jr. Day.

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Power up & onward

Lawrence, Utah

by: Becca Sitterud, Balance Rock Office

Online Banking, Made Easy

Make transfers, loan payments, withdrawals and much more from the convenience of your home or office. You can even view cancelled checks within the history of your checking account.

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12-month CD

Rate as of 11/14/2019 and is subject to change.
Minimum deposit of $500.00.
A penalty may be imposed for early withdrawal.
APY = Annual Percentage Yield

Annual Meeting of Members

Tuesday, February 18
Registration & Refreshments 5:00
Business Meeting 6:00
Mountain America Exposition Center
9575 South State Street, Sandy UT

Membership comes with a sure sense of belonging.

At Utah Power Credit Union, all deserving members inherit the same access to services and offerings, regardless of their means or dreams.

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Trust eight decades of personal progress.

We've been standing side-by-side for more than 80 years. Our strong community is rooted in a solid legacy of trust, strength, and success.

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1.25% APY

Regular Savings

8.99% APR

24-month Personal Loan

3.25% APR

5-year Home Equity Loan
View Home Equity Disclosures

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Online Banking, Made Easy

12-month CD

Annual Meeting of Members

Membership comes with a sure sense of belonging.

Trust eight decades of personal progress.

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