UFirst Credit Union

Overview / Commentary
3450 S Highland Dr
Salt Lake City, UT 84106

UFirst Credit Union is headquartered in Salt Lake City and is the 5th largest credit union in the state of Utah. It is also the 251st largest credit union in the nation. It was established in 1956 and as of March of 2024, it had grown to 439 employees and 125,063 members at 24 locations. UFirst Credit Union's money market rates are 10X the national average, and it has an A health rating.

Field of Membership Restrictions

UFirst Credit Union is open to those who live, work, worship, attend school, or volunteer in the Utah counties of Davis, Salt Lake, Summit, Tooele, Utah, or Wasatch. Immediate family members of a current UFirst member are also eligible to join.
See current membership details

Related Posts

3 Month Add On CD At UFIRST Credit Union 5.50% - 2/1/2024

This bank has an add-on CD they call a "U Save" with a rate at 5.50. I have a couple of these at Mountain America and America First. This one is nice because I am not limited to $100K like the other two credit unions. They will let me put up to $250K into. Plus, that rate is good from 3 to 5 months so I extended it as long as they'll let me.

View all posts from:

Reviews (7)

6 Month 5.55% CD

Posted by: |

They are advertising a 6 month CD at 5.28% but they will add another .25% if the money is new to the credit union. Since I brought in some cash from my account at MACU, I'm getting 5.55% for 6-months with no risk. I'll take advantage while the rates are high.

Excellent savings rate

Posted by: |

I am happy with my savings rate at the University of Utah Credit Union. It is higher than I can get at any bank in town. I do not get interest on my checking, but that is because I selected their most basic checking plan. What is very important to me is that each time I go into my local branch, the young folks working at the counter are courteous, respectful, and accurate. My only suggestion would be that the website needs to be modernized a little so it is easier to read. However, once when I did not understand something on the website, I simply called my local branch manager and she guided me carefully through the process while I was on the website at my home. I am a senior citizen and this type of kind help is very important to me. Overall, I recommend this credit union to those looking for good interest on savings along with fair and balanced treatment.

Get Treated Like Royalty

Posted by: |

I joined the University Credit Union a couple of years ago because I wanted to be a brick and mortar deposit institution near my home. It is the first time I've ever belonged to a credit union. I could not be more pleased. The branch manager sat down with me and talked about the benefits of belonging to a credit union. She answered all of my questions and provided me with literature to take home and study. I signed up a few days later for checking and savings. They give some free checks to start with and then you buy a package of checks at a modest price. I like the savings aspect because I earn a reasonable interest if I keep a basic amount in the savings part of my account. The best part of belonging to this institution is the close, polite customer service given by the manager. She remembers my name and when I had a few questions early on, she responded immediately to my email inquiries. The only thing I would suggest for improvement is to ask that they consider making their on-line parameters a little easier to handle. The page instructions are somewhat complicated. But then again, perhaps I need to clean my glasses. All in all, I recommend the University Credit Union highly.

Prepare To Be Spammed

Posted by: |

tl;dr - This company will sell your personal info to marketers, and their service reps will lie to you about it.

I need to have my personal phone available to employees or clients at work, so it's very important to me to not get spammed by marketers. I realize I could just block all incoming calls not on my contacts list, but I don't always have people's contact info before an emergency occurs, so widespread blocking is not really an option.

I explained to Carla Zaragoza, the UFirst rep who set up my account, that no personal info being sold to marketers was a hard requirement of my membership. She insisted that they never sold personal information for any reason, marketing or otherwise, so I went ahead and set up my account.

Over the weekend, I was perusing the fine print of our contract, and it did, in fact, say that UFirst could and would sell my personal info for marketing purposes, with no ability to opt-out. I confirmed this policy by calling their customer service line.

Would not recommend this credit union unless you like working with dishonest people and getting spammed by marketers.

Stay Away: Incompetence Rules The Day

Posted by: |

My experience with UFirst over the past several years has been incredibly frustrating and disappointing. They sent my replacement business credit card to an outdated address because of an internal database error. They also had a month-long issue with their rewards points, issued broken statements for several months, and required multiple calls to fix simple administrative issues like updating the phone number on my business account, which still might be incorrect.

Every credit application I submitted was initially denied due to their calculation errors, only to be approved after I pointed out their mistakes. For a better experience, choose one of the larger Utah credit unions. Their technology, systems, and service are far superior to UFirst.


Posted by: |

They are impossible to work with. They pretend that they really want to help...until they don't. They openly admitted that they had made a mistake - which cost me money, but they were unwilling to waive any sort of fees.

Opportunists And Worst Customer Services

Posted by: |

They have the worst services I have ever experienced. The customer services have been the least helpful. They made the most profit during the COVID-19 pandemic by pressing customers and giving them a hard time.


Health Grade Components

NCUA #24710
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD11.24%
Annual Interest Income$26.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.97B$1.86B
LoansQ1 2024vs Q1 2023$1.59B$1.59B
DepositsQ1 2024vs Q1 2023$1.69B$1.67B
Equity CapitalQ1 2024vs Q1 2023$174.2MM$170.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$10.4MM$6.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$8.2MM$3.9MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not UFirst Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UFirst Credit Union Savings Account Rates

3.15%*$500k*-IRA Accumulator
OTHER TIERS: 0.75% $0 - $5k | 1.00% $5k - $10k | 1.25% $10k - $25k | 1.50% $25k - $50k | 2.10% $50k - $100k | 2.35% $100k - $150k | 2.60% $150k - $500k
0.10%*$1k*-Primary Savings
OTHER TIERS: 0.05% $0 - $1k
0.10%*$1k*-Secondary Savings
OTHER TIERS: 0.05% $0 - $1k
0.10%*$1k*-Christmas Club Savings
OTHER TIERS: 0.05% $0 - $1k

UFirst Credit Union Money Market Rates

4.50%*$1m*-High Yield Money Market
OTHER TIERS: 0.75% $0 - $5k | 1.00% $5k - $10k | 1.25% $10k - $25k | 2.00% $25k - $50k | 2.50% $50k - $100k | 2.80% $100k - $150k | 3.30% $150k - $500k | 4.25% $500k - $1m
4.50%*$1m*-Business High Yield Money Market Account
OTHER TIERS: 0.75% $0 - $5k | 1.00% $5k - $10k | 1.25% $10k - $25k | 2.00% $25k - $50k | 2.50% $50k - $100k | 2.80% $100k - $150k | 3.30% $150k - $500k | 4.25% $500k - $1m
1.80%*$100k*-Business Money Market Checking
OTHER TIERS: 0.60% $0 - $5k | 0.80% $5k - $10k | 1.05% $10k - $20k | 1.30% $20k - $50k | 1.60% $50k - $100k

UFirst Credit Union Checking Account Rates

0.50%*$100k*-Dividends Checking
OTHER TIERS: 0.10% $0+ | 0.15% $5k - $10k | 0.25% $10k - $20k | 0.30% $20k - $50k | 0.40% $50k - $100k

UFirst Credit Union CD Rates

5.15%$500-6 Month CD
5.15%$500-12 Month CD
5.15%$10-3-5 Month U Save Certificate
5.15%$10-6-11 Month U Save Certificate
5.10%$500-6 Month One-Time Bump Certificate
5.10%$500-12 Month One-Time Bump Certificate
5.00%$500-12 Month Access Certificate
4.90%$10-12-17 Month U Save Certificate
4.40%$500-18 Month CD
4.40%$500-24 Month CD
4.40%$10-18-24 Month U Save Certificate
4.34%$500-18 Month One-Time Bump Certificate
4.34%$500-24 Month One-Time Bump Certificate
4.09%$500-30 Month CD
4.09%$500-36 Month CD
4.09%$500-48 Month CD
4.09%$500-60 Month CD
4.04%$500-36 Month One-Time Bump Certificate
4.04%$500-60 Month One-Time Bump Certificate
4.04%$500-30 Month One-Time Bump Certificate
4.04%$500-48 Month One-Time Bump Certificate

UFirst Credit Union IRA Rates

5.15%$500-6 Month IRA
5.15%$500-12 Month IRA
5.10%$500-6 Month IRA One-Time Bump Certificate
5.10%$500-12 Month IRA One-Time Bump Certificate
4.40%$500-18 Month IRA
4.40%$500-24 Month IRA
4.34%$500-18 Month IRA One-Time Bump Certificate
4.34%$500-24 Month IRA One-Time Bump Certificate
4.09%$500-30 Month IRA
4.09%$500-36 Month IRA
4.09%$500-48 Month IRA
4.09%$500-60 Month IRA
4.04%$500-30 Month IRA One-Time Bump Certificate
4.04%$500-36 Month IRA One-Time Bump Certificate
4.04%$500-48 Month IRA One-Time Bump Certificate
4.04%$500-60 Month IRA One-Time Bump Certificate


Salt Lake City Area

Interactive local rates map

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.