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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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Consumer Loans

Whatever the need, we have the loan for you.

Home Loans

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RMP Lagoon Day
Purchase tickets for the RMP Lagoon day (6/29/2019).


Lagoon season pass holders, click here to purchase lunch tickets.



Are you a member of Utah Power Credit Union and would like to transfer money from your account?
RMP Lagoon Day
Purchase tickets for the RMP Lagoon day.
Item Qty. Price Total
Total $0.00
RMP Lagoon Day
Purchase tickets for the RMP Lagoon day.
Item Qty. Price Total
Total $0.00

Electronic Check



Ticket purchaser desires that UPCU transfer funds as directed in the instructions. Funds to be transferred must be cash or collected funds. UPCU is not liable for untimely or lost ACH transfers due to incomplete or incorrect information. UPCU is not liable for returned entries from other institutions. This authorization may be terminated by UPCU
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, May 27, 2019 in observance of Memorial Day.

Interest Rates

Our rates put the power in your hands and in your wallet.

 I have appreciated the ease with which I was able to re-finance my pickup, the low interest rate, and the easy access to my savings account with Utah Power Credit Union. 

Pat Huber
Rocky Mountain Power Employee

Member since 2001

  • Type Term Rate
  • 2012 & Newer 5-years 3.49% APR
  • 2012 & Newer 6-years 3.99% APR
  • 2012 & Newer 7-years 4.49% APR
  • 2011 & Older 5-years 4.49% APR
  • Type Term Rate
  • 2009 & Newer 5-years 4.49% APR
  • 2009 & Newer 6-years 4.79% APR
  • 2009 & Newer 7-years 4.99% APR
  • 2009 & Newer 10-years 5.49% APR
  • 2009 & Newer 12-years 5.79% APR
  • 2008 & Older 6-years 5.79% APR
  • 2008 & Older 10-years 6.29% APR
  • Type Term Rate
  • Share Secured 6-years Competitive Rate*
  • Personal 2-years 8.99% APR
  • Personal 3-years 8.99% APR
  • Personal 4-years 10.99% APR
  • Personal 5-years 10.99% APR
  • *Lowest rate offered, excluding real estate, or 1.50% above current dividend rate, whichever is lower.
  • Type Limit Rate
  • Visa Credit Card Up to $15,000 Fixed-Rate 9.90% APR
  • Receive up to 1% discount when you use your new Utah Power Credit Union Visa to pay off other credit cards.
  • Product Rate Annual Percentage Rate Payment Per Thousand
  • 30-year Fixed Mortgage 4.00% 4.11%* $4.77
  • 30/15-year Fixed Mortgage 3.75% 3.89%* $4.63
  • 15-year Fixed Mortgage 3.75% 3.93%* $7.27
  • Home Equity as low as 4.00% APR**
  • *APR based on $160,000 loan and 20% minimum equity. Rates are as of 5/24/2019 and are subject to change. Other rates and terms available contact the mortgage department.
    **View home equity disclosures.
  • Type Rate
  • Regular Shares 1.25% APY*
  • Business Savings 0.625% APY*
  • *Minimum deposit of $5.00, rates are as of 12/12/2018 and are subject to change. Fees could reduce earnings.
    APY = Annual Percentage Yield
  • Type Rate
  • IRA 1.25% APY
  • *Minimum deposit of $500.00, rates are as of 12/12/2018 and are subject to change. Fees could reduce earnings.
    APY = Annual Percentage Yield
  • Type Rate
  • 12 Month 2.50% APY*
  • *Minimum deposit of $500.00, rates are as of 12/12/2018 and are subject to change. A penalty may be imposed for early withdrawal.
    APY = Annual Percentage Yield
  • Type Rate
  • Free Checking 0.00% APY
  • Power Checking 0.00% APY
  • Business Checking 0.00% APY
  • APY = Annual Percentage Yield
  • Type Rate
  • Overdraft Line of Credit 18.00% APR

Loan Calculator

Enter the information you know and we'll do the rest.
Not sure what payment is best for your budget? We can help you determine a payment that you can afford.

Know Your Credit Score

Even though all Utah Power members get the same great, low interest rate regardless of their credit score, maintaining a healthy credit score is important.

annualcreditreport.com

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