Membership now open to PA residents through PACCLearn More

24/7 account access and free financial tools –
anywhere, anytime, anyplace.

Since 1934, Utilities Employees Credit Union (UECU) has been providing exclusive financial benefits to America’s utility and energy employees and their families. As a full-service, virtual credit union, UECU’s goal is to help workers and Pennsylvania residents improve their financial well-being, accumulate wealth, and conveniently manage their finances with 24/7 account access and free financial tools – from wherever they reside today or travel in the future.

How does UECU offer its membership exclusive benefits?

The answer is UECU’s unique business model as a virtual credit union that operates as a financial co-operative. 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. UECU serves 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, UECU chooses to return these funds to our members.

UECU members enjoy the cooperative edge of belonging to a 5-Star Credit Union. Credit Union membership is open to individuals residing in the state of Pennsylvania and workers and families within the utility, energy, and related industry sectors throughout the United States. The more UECU members use their credit union for all their financial needs, the greater the profits returned to the membership. Its cooperative, cost-efficient business model has helped UECU maintain its strong fiscal position among the fewer than four percent of U.S. credit unions that consistently receive a “Superior” rating by Best of Bauer for over 30 years.

Utilities Employees Credit Union is ranked in the top 200 healthiest credit unions in the United States

(As Published In:, 2021) has ranked UECU as one of the healthiest credit unions in America from 2019 to 2021. Out of 5,099 credit unions in the country, UECU is ranked in the top 200. In the state of Pennsylvania, UECU is #2 on the list of healthy credit unions. evaluates the financial health of over 12,000 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 the institution’s Texas Ratio, deposit growth, and capitalization. To learn more, visit

Join Utilities Employees Credit Union
Have questions about membership? Call 800.288.6423 Ext. 4014

Utility/Energy worker, family, & retirees use the Member App below.