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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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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 3.875% 3.97%* $4.70
  • 30/15-year Fixed Mortgage 3.50% 3.60%* $4.49
  • 15-year Fixed Mortgage 3.50% 3.68%* $7.15
  • Home Equity as low as 3.50% APR**
  • *APR based on $160,000 loan and 20% minimum equity. Rates are as of 10/15/2019 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
  • Type Amount
  • Wire Transfer $10.00
  • International Wire $35.00
  • Stop Payment $10.00
  • Stop Payment, Series $20.00
  • Abandoned Account Fee $15.00
  • Non-sufficient Funds Item $18.00
  • Courtesy Pay Item $21.00
  • Return Item $18.00
  • Checks deposited by members and returned to us as NSF; includes on-us checks.

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.

*Calculator is available as an estimate only and not as a guarantee of credit. Each individual circumstance varies. Please contact us for more information.

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.

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