--- title: "Lu 354 I B E W Credit Union: #1 HELOC in Utah" description: "Lu 354 I B E W Credit Union has the lowest tracked HELOC rate in Utah (6.49% APR) among 8 credit unions we verify. Lu 354 I B E W Credit Union rates today: mortgage 5.74% APR, vehicle loans from 4.99% APR, HELOC from 6.49% APR, savings & CDs up to 4.13% APY, personal loans from 4.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Lu 354 I B E W Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/utah/lu-354-i-b-e-w" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Lu 354 I B E W Credit Union: #1 HELOC in Utah ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **First Mortgages held by IBEWFCU** other | 5.740% APR | 6.321% | — | Standard | Lu 354 I B E W Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **66-Month Auto Loan (2016 and Newer)** auto_any_66mo | 4.990% APR | 5.033% | 66 mo | Standard | | **72-Month Auto Loan (2016 and Newer)** auto_any_72mo | 5.240% APR | 5.277% | 72 mo | Standard | | **84-Month Auto Loan (2016 and Newer)** auto_any_84mo | 5.990% APR | 6.026% | 84 mo | Standard | | **60-Month Auto Loan (2010–2015)** auto_any_60mo | 6.990% APR | 7.034% | 60 mo | Standard | | **2016 and newer, CU Small Class RVs** rv_any_60mo | 8.042% APR | 7.990% | 60 mo | Standard | | **2016 and newer, CU Large Class RVs** rv_any_144mo | 8.251% APR | 8.240% | 144 mo | Standard | Lu 354 I B E W Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Second Mortgages held by IBEWFCU** heloc_fixed | 6.490% APR | 7.086% | — | Standard | | **HELOC (Variable)** heloc_variable | 7.000% APR | 7.451% | — | Standard | Lu 354 I B E W Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | 4.000% APR | 4.326% | — | Standard | | **60-Month Share-Secured Loan** personal_secured_60mo | 4.326% APR | 4.000% | 60 mo | Standard | | **Signature/Personal Closed End Loan** personal_unsecured | 13.000% APR | 13.557% | — | Standard | | **Signature/Personal Closed End Loan** personal_unsecured_36mo | 13.557% APR | 13.000% | 36 mo | Standard | | **Signature/Personal Line of Credit** ploc_variable | 15.000% APR | 15.585% | — | Standard | | **Overdraft Line of Credit** personal | 18.000% APR | 18.000% | — | Standard | Lu 354 I B E W Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 10.950% APR | 11.516% | — | Standard | Lu 354 I B E W Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Regular Shares *** savings | 0.05% APY | 0.05% | — | Standard | | **Money Market/Freedom **** money_market | 0.45% APY | 0.45% | — | Standard | | **IRA** ira | 0.50% APY | 0.50% | — | Standard | | **Regular & IRA Certificate** ira_cd_6mo | 3.84% APY | 3.90% | 6 mo | Standard | | **Conductive Certificate** cd_24mo | 3.89% APY | 3.95% | 24 mo | Standard | | **Regular & IRA Certificate** ira_cd_12mo | 3.89% APY | 3.95% | 12 mo | Standard | | **Regular & IRA Certificate** ira_cd_24mo | 4.04% APY | 4.10% | 24 mo | Standard | | **Regular & IRA Certificate** ira_cd_48mo | 4.09% APY | 4.15% | 48 mo | Standard | | **Regular & IRA Certificate** ira_cd_60mo | 4.13% APY | 4.20% | 60 mo | Standard | Lu 354 I B E W Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Lu 354 I B E W Credit Union offers mortgage rates from 5.74% APR. Vehicle loans available from 4.99% APR for 66 months. HELOC rates from 6.49% APR. Personal loan rates from 4% APR. Credit card rates from 10.95% APR. Savings and certificate yields up to 4.13% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/utah/lu-354-i-b-e-w) , verified from [Lu 354 I B E W Credit Union's official website](https://www.ibewfcu.org/branch-info/) Best product position **#1 of 8** HELOC Gap to state best **0 bp** State market leader Vs. state median **75 bp better than median** HELOC Products ranked **2** across tracked Utah markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.49% | #1 of 8 · lowest in Utah | State market leader | 75 bp better than median | | personal loan | 4.00% | Better than the Utah median | 1 bp from state best | 724 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Lu 354 I B E W Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=lu-354-i-b-e-w&state=utah&code=UT&name=Lu%20354%20I%20B%20E%20W%20Credit%20Union) Loading branch locator… ## About Lu 354 I B E W Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $39.9M Founded 1954 Locations reported 3 NCUA charter 9398 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Varex** Varex Federal Credit Union · Salt Lake City · UT · 84104-4298 About 1.6 miles away](https://rateapi.dev/credit-unions/utah/varex) [**America First** Salt Lake Pioneer Road · Salt Lake City · UT · 84104 About 1.8 miles away](https://rateapi.dev/credit-unions/utah/america-first) [**Mountain America** 0031 Salt Lake Redwood Rd · Salt Lake City · UT · 84104-3708 About 2.3 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) [**Deseret First** Operations Center · West Valley City · UT · 84120 About 2.6 miles away](https://rateapi.dev/credit-unions/utah/deseret-first) [**Utah First** Postal First Branch · Salt Lake City · UT · 84127 About 2.7 miles away](https://rateapi.dev/credit-unions/utah/utah-first) [**Goldenwest** Lake Park Hospital Br · West Valley · UT · 84120 About 2.8 miles away](https://rateapi.dev/credit-unions/utah/goldenwest) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Lu 354 I B E W Credit Union Membership eligibility from Lu 354 I B E W Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Lu 354 I B E W Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Lu 354 I B E W Credit Union's membership page](https://www.ibewfcu.org/branch-info/) . Final membership determination is always made by the credit union. ## Work at Lu 354 I B E W Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Lu 354 I B E W Credit Union ranks against Utah peers. - See which AI assistants fetched Lu 354 I B E W Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Utah - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=lu-354-i-b-e-w&state=utah&code=UT&name=Lu%20354%20I%20B%20E%20W%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Lu 354 I B E W Credit Union offer? Lu 354 I B E W Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Lu 354 I B E W Credit Union rates updated? RateAPI verifies Lu 354 I B E W Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Lu 354 I B E W Credit Union's rate data? Rate data is collected directly from Lu 354 I B E W Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Lu 354 I B E W Credit Union's mortgage rate? As of November 12, 2026, Lu 354 I B E W Credit Union offers mortgage rates from 5.74% APR. ### What are Lu 354 I B E W Credit Union's auto & rv loan rates? As of November 12, 2026, Lu 354 I B E W Credit Union offers vehicle loans from 4.99% APR. ### What is Lu 354 I B E W Credit Union's HELOC rate? As of November 12, 2026, Lu 354 I B E W Credit Union offers home equity lines of credit from 6.49% APR. ### What is Lu 354 I B E W Credit Union's personal loan rate? As of November 12, 2026, Lu 354 I B E W Credit Union offers personal loans from 4% APR. ### What is Lu 354 I B E W Credit Union's best CD rate? As of November 12, 2026, Lu 354 I B E W Credit Union offers savings and certificate (CD) yields up to 4.13% APY. ### Who can join Lu 354 I B E W Credit Union? Lu 354 I B E W Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Lu 354 I B E W Credit Union's rates against national credit-union benchmarks. [More Utah credit unions](https://rateapi.dev/credit-unions/utah) [Utah mortgage rate leaders](https://rateapi.dev/mortgage-rates/utah) [Utah auto loan rate leaders](https://rateapi.dev/auto-loan-rates/utah) [Utah HELOC rate leaders](https://rateapi.dev/heloc-rates/utah) [Utah personal loan leaders](https://rateapi.dev/personal-loan-rates/utah) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ibewfcu.org/branch-info/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Lu 354 I B E W Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Utah credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Lu 354 I B E W Credit Union curl "https://api.rateapi.dev/credit-unions/utah /lu-354-i-b-e-w " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Lu 354 I B E W Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/utah/lu-354-i-b-e-w Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp