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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?

Member's Name

Employee # (P Number)

Verify you are a person by clicking on this checkbox.

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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

First Name

Last Name

Address

City

State

Zip Code

Social Security Number

Date of Birth

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

State

Expiration Date

Phone

Phone Type

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Last Name

Address

City

State

Zip Code

Social Security Number

Date of Birth

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

State

Expiration Date

Phone

Phone Type

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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

Interest Rates

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

Danielle and Mark Hardy

Members since 1999

New & Used Autos

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TypeTermAnnual Percentage Rate
2014 & Newer5-years6.25%
2014 & Newer6-years6.75%
2014 & Newer7-years7.25%
2013 & Older5-years7.00%
Rates include a 0.50% discount for automatic payment.

Recreational Vehicles

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TypeTermAnnual Percentage Rate
2014 & Newer5-years7.50%
2014 & Newer6-years8.00%
2014 & Newer7-years8.50%
2014 & Newer10-years9.00%
2013 & Older6-years8.50%
2013 & Older10-years9.00%
Rates include a 0.50% discount for automatic payment.

Personal Loans

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TypeTermAnnual Percentage Rate
Personal1-year8.00%
Personal3-years10.00%
Personal Special*Up to 4 years7.89%
Personal5-years12.00%
*Up to $10,000 for new loans. Now through January 3.

Visa Credit Card

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TypeLimitAnnual Percentage Rate
Visa Credit CardUp to $15,000 Fixed-Rate9.90%
Receive up to 1% discount when you use your new Utah Power Credit Union Visa to pay off other credit cards.

Home Loans

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MortgageRateAnnual Percentage Rate
30-year Fixed6.490%6.702%
30/15-year Fixed6.375%6.585%
15-year Fixed6.000%6.344%
1st Time Home Buyer 30/15-year Fixed*6.875%7.057%
Rates are as of 11/20/2024 and are subject to change.
Annual Percentage Rate based on $250,000 loan and 20% minimum equity.
*Annual Percentage Rate based on $285,000 loan and 5% minimum equity.
Other rates and terms available contact the mortgage department.

Home Equity LoansLoan to ValueRepayment TermAnnual Percentage RateVariable Rate
Line of Credit60%10-years7.00%Prime -1.00%
Line of Credit60%15-years7.50%Prime -0.50%
10-Year Fixed60%10-years7.00%
15-Year Fixed60%15-years7.50%
Line of Credit85%10-years7.50%Prime -0.50%
Line of Credit85%15-years8.00%Prime -0.00%
10-Year Fixed85%10-years7.50%
15-Year Fixed85%15-years8.00%
Line of Credit100%15-years9.50%Prime +1.50%
10-Year Variable100%10-years9.50%Prime +1.50%
Rates are as of 11/20/2024 and are subject to change.
View Home Equity Disclosures.
Other rates and terms available contact the mortgage department.

Savings Accounts

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TypeAnnual Percentage Yield
Regular Shares0.55%*
Business Savings0.275%*
*The Board of Directors has declared a dividend on earnings for the quarter of payable September 1, 2024.
Minimum deposit of $5.00. Fees may reduce earnings.

Individual Retirement Accounts

TypeAnnual Percentage Yield
IRA0.55%*
*The Board of Directors has declared a dividend on earnings for the quarter of payable September 1, 2024.
Fees may reduce earnings.

Certificate of Deposits

TypeAnnual Percentage Yield
12-Month5.25%*
24-Month4.50%*
*Minimum deposit of $500.00, rates are as of September 1, 2024 and are subject to change. A penalty may be imposed for early withdrawal.

Checking Accounts

TypeAnnual Percentage Yield
Free Checking0.00%
Power Checking0.00%
Business Checking0.00%

Overdraft Line of Credit

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TypeAnnual Percentage Rate
Overdraft Line of Credit10.99%

Fee Schedule

TypeAmount
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.

Principal

APR

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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.

Interest Rates

New & Used Autos

Recreational Vehicles

Personal Loans

Visa Credit Card

Home Loans

Savings Accounts

Individual Retirement Accounts

Certificate of Deposits

Checking Accounts

Overdraft Line of Credit

Fee Schedule

Loan Calculator

Know Your Credit Score

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