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Join the Family

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, Utah Rural Electric Association, or IBEW Local 57 (Class A Construction Unit Union Members).

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

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How are you eligible to be a member of Utah Power Credit Union?

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Start your membership by providing us a few details

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Start your membership by providing us a few details

Let’s get to know each other.

Start your membership by providing us a few details

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Driver's License Number If a minor, input 'minor'

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Start your membership by providing us a few details

Let’s get to know each other.

Start your membership by providing us a few details

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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Consumer Loans

Whatever the need, we have the loan for you.

Home Loans

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Member Survey

As a financial cooperative, Utah Power Credit Union values feedback from all members.

Please take a moment to complete this survey.

Your responses will be used to plan for the Credit Union's future.

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Member Survey

On a scale of 1 to 5 rate your satisfaction with the following:

Interest rates on deposits

Interest rates on loans

Products and services offered

Service and ease of doing business for any that apply:

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IBEW Local 57

Membership Dues

Local 57 now offers the digital option of paying your monthly/yearly dues online at no additional cost to you as a member. This option is a fast and easy way to save you as a member time and money. You can pay your dues monthly, quarterly or annually.

To start you will need your Union Membership Number, and a personal email address.

Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail.

For questions or concerns please call the Local 57 Hall at 801-270-5757.

First & Last Name

Phone

Union Membership Number

Payment Frequency

Start Date

How many months of dues?

IBEW Local 57

Membership Dues

Name

Phone Number

Electronic Check

Routing Number

Account Number

Account Type

Name on Account

Verify you are a person by clicking on this checkbox.

I authorize IBEW Local Union 57 to initiate entries to my checking/savings account. For recurring transactions, this authority will remain in effect until I notify IBEW Local Union 57 in writing to cancel in such a time as to afford IBEW Local Union 57 a reasonable opportunity to act on it. I can stop payment on any entry by notifying my financial institution 3 days before my account is charged.

Payments are processed through Utah Power Credit Union on behalf of IBEW Local Union 57.

Annual Meeting Reminder

March 21, 2023

Home Loans

We can help make your dreams come true

See All Rates

Low rate mortgages

Getting your real estate loan at UPCU will save you money in interest and in fees. We use a common-sense, people-oriented approach in all we do, which means we can approve and close your loan fast.

We have an experienced mortgage team that can help you determine which loan option is best for you.

Let's do it

Not sure if you have enough equity in your home?

You can borrow up to 100% of the value of your home, less any existing liens. To make it even easier, we can usually use the county assessment to determine the value of your home.

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Accessing your home equity line of credit is simple!

Within home banking you can make transfers from your line of credit to other UPCU accounts and loans, and even to other financial institutions.

We can give you checks you can use, just like your checking account, but post to your line of credit. And we can even give you a credit card to access your home equity loan.

Or you can keep it old fashioned and visit an employee at any one of our offices to get cash or a cashier's check (UPCU staff-preferred option).

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7.00% APR

Home Equity Loan

Our home equity loans offer low interest rates, flexible terms and no closing costs! All loans feature up to a 10-year open line of credit that allows you to make advances as needed. During this draw period only interest is due. All loans offer up to a 15-year principal and interest repayment period.

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Home Loans

Low rate mortgages

Not sure if you have enough equity in your home?

Accessing your home equity line of credit is simple!

7.00% APR

Home Equity Loan

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