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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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Home Loans

We can help make your dreams come true

1st mortgage 30-year fixed rate


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.


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2.99% APR

5-year 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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