In May of 2019, Utilities Employees Credit Union was ranked in the top 200 of the 5,335 credit unions in the United States. has ranked UECU as one of the healthiest credit unions in America for 2020. Out of 5,335 credit unions in the country, UECU is in the top 200. evaluates the financial health of over 10,000 banks and credit unions in the United States once per quarter and has been tracking healthy institutions since 2010. To determine bank ranking and recognition, grades each institution on a number of factors, including capitalization, deposit growth and loan-to-reserve ratios.


For 29 years, Utilities Employees Credit Union has consistently received the 5-Star “Superior” Rating from Bauer Financial Inc., an independent firm that analyzes banks and credit unions. To achieve this status, every quarter in which it has been ranked, Utilities Employees Credit Union has been assessed as having the highest ranking level in capital adequacy, asset quality and stability.

BauerFinancial Inc recommends those credit unions rated either 5-Star or 4-Star on a zero-to-five-star scale. These credit unions are deemed safe, financially sound credit unions that are operating well above their regulatory requirements. Bauer classifies each ranked U.S. credit union through a complex formula based on factors including capital, historical performance trends, loan delinquencies and charge-offs, investment portfolio quality, capital reserves, regulatory compliance, and total asset quality. The Bauer Financial Star Ratings Scale uses five levels for credit union ranking: Superior (5 Stars), Excellent, Adequate, Problematic, and Troubled (1 Star). Information about Bauer Financial and its standards for evaluating financial institutions is available on their website at

Utilities Employees Credit Union holds a Superior Rating from IDC Financial Publishing, Inc., an independent firm that provides key performance measurement data for government-reporting financial institutions across the country. IDC Financial Publishing, Inc. calculates a one-number quality rank for each institution along with over 35 key financial ratios. There are six categories: Superior (200-300), Excellent (165-199), Average (125-164), Below Average (75-124), and Lowest Ratios (2-74) and Rank One. The analysis is based on the financial information each institution reports to the Federal Government.

Credit unions rated Superior are classified as the best in all measures. On average, they have the strongest capital ratios, the best asset quality, and are the most profitable. Many of these institutions demonstrate an ability to generate a core return on net worth (ROE) above cost of net worth (COE). For more information about IDC Financial Publishing, Inc. please visit their website at

Message from the President

Moving Forward Together

COVID-19 has affected our lives and our communities in ways we never could have imagined. As we prepare to move forward, we remain committed to helping you and your loved ones. If you’re struggling with a financial hardship, or you just have questions about your UECU accounts and loans, please reach out. Our Member Service Representatives and Financial Service Consultants are only a phone call away. We’ve added an emergency relief webpage at, where you can find information about special payment and borrowing options. If you have concerns about how the market downturn has impacted your retirement investments, our Investment Services Team, Utilities Employees Investment Services^, can help you assess what to do next. Our National Account Representatives are also available to assist our partner companies virtually.

Thank you to our employees for your dedication and support through this difficult time. And, thank you to all of the utility employees and essential workers who continue to provide essential services in our communities. I truly admire what you’ve done and what you continue to do every day.


Bret Krevolin

^Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC.Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are only offered by Investment Adviser Representatives. 11 Meridian Blvd, Wyomissing, PA 19610

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Fee Schedule Information

Effective August 1, 2019 (Revised May 21, 2020) – Changes are shaded.
Rewards Checking PLUSA $500 minimum daily balance is required to avoid a monthly fee of $10. Minimum balance fee will be waived if a total of $500 in electronic deposits is made to your Rewards Checking PLUS during the month. Please Note: the Rewards Checking is a free alternative that has no minimum daily balance requirement or monthly fee.
Green Light Checking™A $12 monthly service fee. No minimum balance requirement.
Advantages Money Market Savings™A $2,500 minimum daily balance is required to avoid a monthly fee of $10.
Deposited Item Returned Unpaid (check, ACH) $15.00
Non-Sufficient Funds (NSF)
(check, debit item, ACH or other electronic debit)
(per presentment)
Advantages Overdraft Defense™
(check, debit item, ACH or other electronic debit)
(per presentment)
Overdraft Transfer
(per day used from Savings, PLOC, VISA®)
ACH Exception
(Item posted with exception due to incorrect account information. Fee charged for each occurrence after 30 days from date of notification)
Replacement Copy of Statement (per copy) $5.00
Stop Payment*
(check, ACH, withdrawal check, loan check, Treasurer’s Check)
Replacement Withdrawal Check $15.00
Copies of Member Checks
(per check – after 12 free per year)
Temporary Checks (set of 4) $2.00
Check Printing Charges $ depends on quantity/style
Savings Withdrawal by Check
(per check after 15 free per year)
Treasurer’s Check $5.00
Copy of Withdrawal Check or Treasurer’s Check $10.00
Dormant Account^ $15.00 per quarter
Unclaimed Funds
(Statement undeliverable during consecutive 12-month period — member is responsible for updating address with credit union OR a closed account check not cashed within six months).
Escheat $100.00
Direct IRA Transfer $35.00
Account Balance/Deposit Written Verification $5.00 (per item)
Incoming Wire Transfer Service $5.00 (per transfer)

*A stop can only be placed on a Treasurer’s Check if lost or stolen.

Refer to your Account Agreement and Disclosures for complete details.

^No member generated activity in last 12 months and aggregate deposit account balance is less than $1000, unless under age 25 or member has an active Loan, IRA or Certificate of Deposit, or if member lives in an active Household.

Loan Re-document
Payoff Request (faxed or mailed) $30.00
Expedited Mail Service See Miscellaneous Fees
Returned Loan or Visa Convenience Check $25.00
Loan or Visa Payment Returned Unpaid
(check, ACH)
Loan Disbursement by Wire Transfer $20.00 per transfer
Loans Secured with Multiple Deeds $150.00
per additional deed
Loan Modification
(term, payment and/ or rate)
Satisfaction of Mortgage Fee
when refinancing HE Term Loan or HELOC with another lender
Refinance UECU Loan
– Refinance HE Term Loan or HELOC (with less than $10,000.00 new money).
– Refinance HE Term Loan or HELOC during first six months.
Subordination/ Release of Lien Agreement $ 150.00 per agreement
Loan Modification
(term, payment and/ or rate)
Refinance UECU Loan
Term Loan (less than $5,000.00 new money)
Telephone (TEL) Loan Payment
First two payments are free. Fee will be assessed for each payment over two unless, you have written authorization on file.
Loan Related Fees will be assessed at time of service and may be financed.
Debit Card (ATM) FEES
Replacement Card Fee (per card) $5.00
Expedited Card Delivery $30.00
Copy of Debit Card Sales Draft $12.00
Notice: A charge may be imposed on debit card transactions by a.) the automated teller machine (ATM) operator, if the member initiates a transaction from an ATM that is not operated by the institution issuing the card and b.) by any national, regional or local network used to complete the transaction.
Account Forfeiture Fee
Account closed within 45 days due to incomplete member documentation or no member transactions within six months.
$5.00 plus dividends paid and accrued
Unlocated Member (bad address) $10.00
Levy, Attachment, Garnishment, Writ, or other legal process $75.00
Research Fee (1 hour minimum) $25.00 per hour
Duplicate Tax Form $5.00
Expedited Mail Service (where available)†:  
Monday through Friday 2nd-day delivery $27.00
Monday through Friday Standard Overnight $35.00
Monday through Friday Priority Overnight $40.00
Saturday Delivery Priority Overnight $45.00


Additional fees  will apply for delivery outside the contiguous United States. Fees will be deducted from the member’s account at the time of service. Additional fees could be charged if you utilize services not listed on this website.

Annual Reports


Federally Insured by NCUA

2020 © Utilities Employees Credit Union. All Rights Reserved.

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All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.