RANKING ·
Lowest cost of shares and deposits in Utah
21 of 51 credit unions in Utah that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Cost of all shares and deposits, annualized for the quarter | Total assets |
|---|---|---|---|---|
| 1 | Members First Credit Union | Brigham City, UT | 1.34% | $209 million |
| 2 | Horizon Utah Federal Credit Union | Farmington, UT | 1.51% | $185 million |
| 3 | Jordan Federal Credit Union | South Jordan, UT | 1.67% | $425 million |
| 4 | Eastern Utah Community Federal Credit Union | Price, UT | 1.93% | $219 million |
| 5 | Hercules First Federal Credit Union | Salt Lake City, UT | 2.05% | $176 million |
| 6 | Cyprus Federal Credit Union | West Jordan, UT | 2.09% | $2.1 billion |
| 7 | American United Federal Credit Union | West Jordan, UT | 2.11% | $383 million |
| 8 | Elevate Federal Credit Union | Brigham City, UT | 2.14% | $260 million |
| 9 | Utah Community Federal Credit Union | Provo, UT | 2.16% | $4.0 billion |
| 10 | Utah Heritage Credit Union | Moroni, UT | 2.24% | $167 million |
| 11 | Desert Rivers Federal Credit Union | Moab, UT | 2.25% | $117 million |
| 12 | Deseret First Federal Credit Union | West Valley Cit, UT | 2.25% | $1.3 billion |
| 13 | America First Federal Credit Union | Riverdale, UT | 2.26% | $26.0 billion |
| 14 | Canyon View Federal Credit Union | Salt Lake City, UT | 2.32% | $2.1 billion |
| 15 | Wasatch Peaks Federal Credit Union | Ogden, UT | 2.33% | $658 million |
| 16 | Granite Federal Credit Union | Salt Lake City, UT | 2.33% | $918 million |
| 17 | Mountain America Federal Credit Union | Sandy, UT | 2.46% | $22.9 billion |
| 18 | Pacific Horizon Credit Union | Springville, UT | 2.52% | $141 million |
| 19 | Goldenwest Federal Credit Union | Ogden, UT | 2.65% | $4.3 billion |
| 20 | Utah Power Credit Union | Murray, UT | 2.67% | $1.1 billion |
| 21 | Utah First Federal Credit Union | Salt Lake City, UT | 2.67% | $1.2 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings