UFirst Credit Union


Overview / Commentary
801-481-8800
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 250th largest credit union in the nation. It was established in 1956 and as of June of 2024, it had grown to 438 employees and 127,161 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.

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Reviews (3)

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.

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.



Health

Health Grade Components

Overall
NCUA #24710
Year Chartered1956
Employees438
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD7.63%
Annual Interest Income$54.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.95B$1.86B
LoansQ2 2024vs Q2 2023$1.62B$1.58B
DepositsQ2 2024vs Q2 2023$1.69B$1.62B
Equity CapitalQ2 2024vs Q2 2023$176.1MM$166MM
Loan Loss AllowanceQ2 2024vs Q2 2023$10MM$11.3MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$10.5MM$6.1MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$1m*-High Yield Money Market
OTHER TIERS: 0.75% $0 - $5k | 1.00% $5k - $10k | 1.25% $10k - $25k | 2.00% $25k - $50k | 2.30% $50k - $100k | 2.80% $100k - $150k | 3.30% $150k - $500k | 4.00% $500k - $1m
4.25%*$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 | 2.30% $50k - $100k | 2.80% $100k - $150k | 3.30% $150k - $500k | 4.00% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.65%$10-3-5 Month U Save Certificate
4.60%$500-6 Month CD
4.55%$10-6-11 Month U Save Certificate
4.50%$500-12 Month CD
4.50%$500-6 Month One-Time Bump Certificate
4.45%$10-12-17 Month U Save Certificate
4.40%$500-12 Month One-Time Bump Certificate
4.20%$500-12 Month Access Certificate
4.11%$500-18 Month CD
4.11%$10-18-24 Month U Save Certificate
4.05%$500-24 Month CD
4.00%$500-30 Month CD
4.00%$500-18 Month One-Time Bump Certificate
3.95%$500-36 Month CD
3.95%$500-24 Month One-Time Bump Certificate
3.90%$500-48 Month CD
3.90%$500-30 Month One-Time Bump Certificate
3.85%$500-60 Month CD
3.85%$500-36 Month One-Time Bump Certificate
3.80%$500-48 Month One-Time Bump Certificate
3.75%$500-60 Month One-Time Bump Certificate

UFirst Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%$500-6 Month IRA
4.50%$500-12 Month IRA
4.50%$500-6 Month IRA One-Time Bump Certificate
4.40%$500-12 Month IRA One-Time Bump Certificate
4.11%$500-18 Month IRA
4.05%$500-24 Month IRA
4.00%$500-30 Month IRA
4.00%$500-18 Month IRA One-Time Bump Certificate
3.95%$500-36 Month IRA
3.95%$500-24 Month IRA One-Time Bump Certificate
3.90%$500-48 Month IRA
3.90%$500-30 Month IRA One-Time Bump Certificate
3.85%$500-60 Month IRA
3.85%$500-36 Month IRA One-Time Bump Certificate
3.80%$500-48 Month IRA One-Time Bump Certificate
3.75%$500-60 Month IRA One-Time Bump Certificate
Locations

Availability



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