Utah First Federal Credit Union

Overview / Commentary
200 E South Temple
Salt Lake City, UT 84111

Utah First Federal Credit Union is headquartered in Salt Lake City and is the 9th largest credit union in the state of Utah. It is also the 530th largest credit union in the nation. It was established in 1935 and as of September of 2022, it had grown to 113 employees and 34,992 members at 9 locations. Utah First Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to anyone by becoming a member of Community Volunteers of Utah ($5 annual fee). Joining Community Volunteer can be done on the Credit Union's online application. Membership is also open to employees of nearly 30 Select Employer Groups, and to immediate family members of current Utah First members.
See current membership details

Related Posts

Utah First Credit Union Has Nationally Available Top-Rate 22-Month CD - 12/13/2022

Utah First Credit Union (easy membership) has added a new 22-month CD that offers a very competitive rate. Minimum opening deposit is $2k, with no stated balance cap.

Utah First FCU Offers 22-Month 5.00% APY Regular/IRA Term Deposit, BUT.... - 12/12/2022

Utah First FCU has a Limited Time Offer for a 22-month 5% term deposit. It is available as a regular term deposit or in an IRA. $2,000 minimum to open. Utah First FCU is an easy membership credit union by joining the Community Volunteers of Utah via an annual $5 donation or lifetime donation of $100 according to CSR. Unfortunately, the deposit terms (link below) include a very intimidating sentence. "Withdrawal Limitations - You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal." https://utahfirst.com/wp-content/uploads/2021/11/UFC21-0183_Website_Build_Certificate_8-5x11_v1.pdf For me, this term, as is, makes this offer unacceptable. Personally, I would only pursue this investment if Utah First agrees to eliminate this clause. If every DA investor who expresses an interest in this offer makes it c

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Really, Nice Representative

Posted by: |

Spoke to a representative named Josie to open a membership and the CD. The easiest account that I have opened and it took less time than other CDs. I have opened. With any other credit, unions or banks thanks so much.

Very Smooth

Posted by: |

Opened 22 month 5% CD. Wired in the funds. They were very helpful. Would recommend


Does anyone one know if they do a pull on Chexsystem to open a CD. Since I have to give an overall rating to ask this question I’ll give the 3 stars to start with.

Easy Process

Posted by: |

This was an easy process! I decided to do the account opening process with a representative. I was called within an hour by Brett. He was great! He opened the account, provided the wire transfer information, and the whole process from start to finish was less than 24 hours. Utah First has great rates, the online banking is super user friendly, and the customer service is great! I did receive an email with one document with my ss# on it. It wasn’t a big deal for me because my husband is in IT and sees any bad actors because we use the network for his business. I also freeze our credit because most, if not everyone, has their information out on the dark web due to the equifax breach. I definitely recommend using the freeze option on all three credit reports! It’s so easy and you can schedule a “thaw” when you want to open up accounts.



Health Grade Components

NCUA #528
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.2%
Return on Equity - YTD11.74%
Annual Interest Income$23.7MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$764.0MM$660.8MM
LoansQ3 2022vs Q3 2021$680.1MM$560.6MM
DepositsQ3 2022vs Q3 2021$604.3MM$570.7MM
Equity CapitalQ3 2022vs Q3 2021$76.9MM$67.9MM
Loan Loss AllowanceQ3 2022vs Q3 2021$4.3MM$4.3MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$679.00K$916.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Utah First Federal Credit Union are currently being reviewed.


Utah First Federal Credit Union Locations
Branch Office1155 W Park LaneFarmington, UT 84025
Branch Office200 E South TempleSalt Lake City, UT 84111
Branch Office6935 S 900 EMidvale, UT 84047
Branch Office310 N 100 WProvo, UT 84601
Branch Office616 W Main StAmerican Fork, UT 84003
Branch Office1760 W 2100 SSalt Lake City, UT 84127
Branch Office1520 S 500 WWoods Cross, UT 84010-7414
Branch Office9213 S Quarry Bend DrSandy, UT 84094
Branch Office3642 W 11400 SSouth Jordan, UT 84095

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