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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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Community Giving Campaign Raffle
Real Salt Lake Game in the Owner's Suite
Are you a member of Utah Power Credit Union and would like to transfer money from your account?
Credit Union offices will be closed Monday, January 21, 2019 in observance of Martin Luther King Jr. Day.

Membership is empowering.

Behind true success is an association of people like none other.

At Utah Power Credit Union, 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. Much like a close family, we've grown—one good person at a time. Now we're among the most respected credit unions in the country. At the center of this accomplishment is a dedication to genuine service and a commitment to offer the best interest rates that can be found.

All eligible members inherit the same access to services and offerings, regardless of their means or dreams. Why? Because unlike most financial institutions, we focus on people, not income levels. Equal treatment instead of special treatment. Straight terms over hidden fine print. Through the days, decades and generations, we help one another live better lives. After all, real power is having support from dependable companions at any, and at every stage.

Real stories from fellow members.
Jesus Member since 2015 Sibling of Utah Power Credit Union Member
”My experience with Utah Power Credit Union has been excellent. I have had my card information stolen a couple of times and they were quick to contact me and make sure that I was aware of it and then they helped me get everything sorted out. I could not be more pleased to bank with them.”
Real stories from fellow members.
Kelsey Member since 2012 Child of Utah Power Credit Union Member
”It is always a welcoming friendly environment. As a business owner I trust that I am taken care of.”
Real stories from fellow members.
Yankton Member since 2011 Moon Lake Electric Employee
“I would personally like to thank UPCU for their partnership in providing financial opportunities for the employees of Moon Lake Electric.“
Real stories from fellow members.
Annie Member since 1996 Child of Utah Power Employee
“As a third generation member and small business owner Utah Power & Light Credit Union has been there for me for all my financial needs. The security of my family’s future is their top priority.“
Real stories from fellow members.
Derek Member since 2001 Child and Grandchild of Rocky Mountain Power Employees
“At an early age, my father opened an account for me at Utah Power CU; and they have treated me like a V.I.P since day one through my dozens of loans and hundreds of transactions – I wouldn’t be where I am today without their help. Thank you.”

Utah Power in the community

The Credit Union sponsors and supports many organizations and activities within our community.

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Current News and Information

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Community Activities

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Credit Union Oversight

The Credit Union is managed by a volunteer Board of Directors and Supervisory Committee.

Deep respect for our past drives our commitment for your future.

Utah Power Credit Union has been providing financial power to its members since 1935. Generations later, we fellow members share in UPCU’s success with the same pride, passion and service.

Humble beginnings, unwavering commitment

In 1935, Utah Power & Light employees organized Utah Power Credit Union during the Great Depression. Fellow employees came together for financial survival. The first office of the Credit Union was located in the Utah Savings and Trust building in downtown Salt Lake City. In 1936, one year after its incorporation, the Credit Union financed the first car loan for $300. It was noted in the minutes that loans of this amount were to be discouraged in the future.

Growth, but not for the sake of growth

Utah Power Credit Union has always maintained one of the highest dividend rates in the country. This, along with financially responsible members who trust their deposits with UPCU, has driven growth in assets. In fact, UPCU members’ average savings balances are in the top 98% of all credit unions, nationwide. By the 24th Anniversary, the Credit Union reached $1,000,000 in assets. In 1983, 24 years later, the Credit Union was managing $12 million in assets. Another 24 years passed and assets approached $250 million by the end of 2007. Today, the Credit Union’s asset size is approximately $630 million.

Better together

1989 marked the beginning of the power company as we know it today. Pacific Power and Utah Power came together to form PacifiCorp. Through the years since the merger the Credit Union opened its membership to include the employees of all PacifiCorp related entities.

Power of two

UPCU began serving Pacific Power employees in the Wyoming region of PacifiCorp in 1992. Membership in Rock Springs quickly grew and by 2001 UPCU’s Board of Directors approved the establishment of a branch office in Rock Springs. However, due to requirements, out-of-state chartered financial institutions are not allowed to independently operate branches in Wyoming. In 2005, PowerTrust Credit Union Service Organization was formed with Meridian Trust Federal Credit Union as a way of serving members in Wyoming. The PowerTrust Rock Springs office was opened in 2006 and an office in Casper was added in 2007.

Branching out

The Credit Union’s first ”branch office” opened, part-time, in a closet at the Interwest Mining office, in Huntington, Utah in 1988. The operation proved so successful that by 1999, the Credit Union built its first building. Today, the Huntington office accounts for about 25% of Credit Union loan volume.

Shared purpose

While it is necessary for financial institutions to grow to remain viable, UPCU has never had a growth goal, and has never had designs on becoming ”one of the big guys.” When growth opportunities are reviewed, the Board and Management’s analysis is based on one simple question, ”Will this opportunity benefit the members of Utah Power Credit Union?”

One of the ways credit unions grow is through mergers with other credit unions. UPCU has been approached many times over the years but only acted when it could be proven that a potential merger would benefit members, and that the merger would be in alignment with UPCU’s core values. There have been four mergers in the Credit Union’s 80+ year history: In 2000, UP&L Ogden Credit Union merged into UPCU. In 2008, Balance Rock Credit Union merged with UPCU. In 2012 and 2015, respectively, People’s Electric Power Credit Union and Moon Lake Electric Employees Power Credit Union merged into Utah Power Credit Union.

What’s in a name? Sometimes, too much.

For 70 years, the Credit Union’s official name was Utah Power & Light Employees’ Credit Union. After much deliberation, the name was shortened to Utah Power Credit Union. The new name aligned more closely with the power company’s name at the time. Also, removing ”employees” from the name signified that the Credit Union wasn’t exclusively for employees—family members of employees were now included in membership eligibility.


The soul of the Credit Union still exists in the former main office, now branch office, of the Credit Union located at the North Temple Office (NTO) of Rocky Mountain Power. However, since 2010, the heart of Credit Union operations is found at the main office and branch in Murray, Utah. This building has allowed the Credit Union to continue to grow at a comfortable, and necessary pace. The branch provides convenient service to anyone in the Salt Lake Valley and the administrative operations support all 26,000+ Credit Union members.