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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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Start your membership by providing us a few details
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Consumer Loans

Whatever the need, we have the loan for you.

Home Loans

Kickoff your journey in buying or refinancing your home.

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Community Giving Campaign Raffle
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Interest Rates

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

 Utah Power Credit Union has been an important part of so many decisions our family has made, from purchasing cars and buying a family home. We trust them and always feel they are looking out for our best interest. 

The Langi Family

Explore Home Loans
  • Type Term Rate
  • 2012 & Newer 5-years 2.99% APR
  • 2012 & Newer 6-years 3.49% APR
  • 2012 & Newer 7-years 3.99% APR
  • 2011 & Older 5-years 3.99% APR
  • Type Term Rate
  • 2009 & Newer 5-years 3.99% APR
  • 2009 & Newer 6-years 4.29% APR
  • 2009 & Newer 7-years 4.49% APR
  • 2009 & Newer 10-years 4.99% APR
  • 2009 & Newer 12-years 5.29% APR
  • 2008 & Older 6-years 5.29% APR
  • 2008 & Older 10-years 5.79% 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 4.75% 4.85%* $5.22
  • 30/15-year Fixed Mortgage 4.50% 4.62%* $5.07
  • 15-year Fixed Mortgage 4.50% 4.67%* $7.65
  • Home Equity as low as 3.75% APR**
  • *APR based on $160,000 loan and 20% minimum equity. Rates are as of 11/13/2018 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
  • Type Rate
  • IRA 1.25% APY
  • Type Rate
  • 12 Month 2.50% APY
  • Type Rate
  • Free Checking 0.00% APY
  • Power Checking 0.00% APY
  • Business Checking 0.00% APY
  • 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.