Membership now open to PA residents through PACCLearn More

This is our Story.

Lighting the Way for Members Since 1934

Utilities Employees Credit Union (UECU) was originally chartered in 1934 to serve gas and electric utility employees residing on the East Coast. Formed as a cooperative organization where workers could save and borrow from their collective financial resources, UECU gradually grew into a full-service credit union for utility and energy workers nationwide. In 2021, we expanded our field of membership to the entire state of Pennsylvania to provide our exclusive membership benefits to residents through the Pennsylvania American Consumer Council (PACC). Today, we serve 48,000 members from a single headquarters in Wyomissing, Pennsylvania.

We are a virtual credit union that operates as a financial co-operative, which enables us to offer exclusive membership benefits. Unlike banks, UECU has no shareholders and is instead owned by its members – so every UECU decision is made with the best interest of the membership in mind. We serve a nationwide membership without branches on every corner because we don’t expect you to come to us. We deliver account access to you wherever you are through convenient digital banking services and friendly & knowledgeable employees.

While other financial institutions spend money on their branches, we return these funds to our members through exclusive membership benefits – low-cost loans, savings rates higher than the national average, member rewards, unique checking benefits, and free financial wellness resources. The more UECU members use their credit union for all their financial needs, the greater the profits returned to the membership. Our cooperative, cost-efficient business model has helped us maintain a strong fiscal position – ranking UECU as a 5-Star “Superior” Credit Union by BauerFinancial for 33 years.

But why should you become a member?

Because financial well-being begins with having the right financial partner. Our vision is simple – To be our members trusted financial partner for life. Whether you are just getting started on your financial journey or getting ready to make the next big move, we’re here for you every step of the way.
UECU Membership is Free.


Member Focus
Take Accountability
Instill Trust

Celebrate Differences
Continuous Learning
Foster Collaboration

Our Vision

To be our members trusted financial partner for life.

Our Purpose

Empowering our members to achieve financial well-being through all stages of life.

Our Values

Member Focus
Take Accountability
Instill Trust
Celebrate Differences
Continuous Learning
Foster Collaboration

Diversity, Equity & Inclusion (DEI) at UECU

At UECU, we embrace a culture of empowerment, inclusion, and mutual respect by valuing the diverse qualities and contributions of our employees and those we serve.

UECU’s DEI Vision is to advance and cultivate a sense of belonging, making us a better organization for our employees and those we serve.

UECU’s DEI Mission is to embrace a culture of empowerment, inclusion, and mutual respect by valuing the diverse qualities and contributions of employees and those we serve. Learn about DEI at UECU here.

Supporting Our Community

UECU’s Employee Volunteer Program (EVP) inspires, motivates, and enables employees to volunteer their time and talents. Employees can choose to volunteer as an individual or in a group setting, and can select from any of UECU’s mission-driven volunteer opportunities. Learn more about this great program here.

What Makes Us Different

  • UECU and its employees believe in giving back. Learn More.
  • UECU has been recognized as one of the Top 100 Credit Unions in the US. Learn More.
  • UECU has earned the prestigious “Best of Bauer Credit Union” status from Bauer Financial for 33 years. Learn More.
  • UECU is ranked in the Top 200 Healthiest Credit Unions in the United States. Learn More.

How We Give Back

UECU and its employees live by the credit union philosophy of “People Helping People.” For over 25 years, the Credit Union and its employees have been supporting the United Way and many other charitable organizations. In 2021, UECU made a $37,445 donation supporting the United Way’s key initiatives.  

Our employees donate their time and talents to support many non-profits in the communities we serve. They also support our utility and energy industry partners by attending industry events, hosting financial wellness sessions, and traveling to our partner company locations.

What Our Members Say about Us

“I appreciate Sean’s friendly and professional service. Sean kept in touch, called back when he said he would. Sean made the process very easy for us. With the lack of quality of service I have encountered lately at retail stores, utility companies, etc., it was nice to receive awesome service from Sean and the team at UECU.”

Annette A.

“I am very satisfied with the expertise of UECU and always have been. UECU has helped me a lot in my 34yrs. with NYSEG. Thanks to all the employees.”

Richard S.

Several times my family has needed unexpected financial help for issues that popped up out of nowhere. You’re the only ones that would help when nobody else would. You took a chance on us. Now we’re much more financially secure because of those times you helped.

Theresa H.

“I’ve been a member for approximately 35 yrs. Anytime I needed financial assistance, I would contact UECU first! Like family, Gail, and everyone at UECU. Thank you for believing in me and helping me through life’s ups and downs. I can’t say enough. The loan process is done very quickly, which is appreciated too.”

Donna M.

I love the UECU experience(s). Always professional – well-mannered – and easy to work with. Customers come first – you live by it – you work by it – that is why I love UECU. Kind regards,

Angela G.

I live 200+ mi from you, I’ve never stepped foot inside. Your representatives treat me like I’m their neighbor.

Garrett F.