Stability and Growth – Our team is our backbone. UFirst Credit Union employees are driven, detailed and committed to the cause. From the lending team, to our back of house underwriting team, we are the link between our borrowers, our community and our credit union.
Advancement Opportunities & Leadership Development – There are many a vital roles and we’re excited to invite new team members to help us represent our institution and work for the best interest of our members.
Great Benefits – Lending is exacting work, but we believe everything requires balance. That’s why we offer our hardworking team members competitive benefits and exciting growth potential. If you want to be part of a growing credit union and a strong team, apply for open positions today. Opportunities in our lending department include home and real estate loans, auto loans, student loans and other financial services.
"Everyone I work with is so nice and positive. I have a boss and team that are always willing to help me and go to bat for me.” -Christopher Lenz, Human Resources
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This employer participates in E-Verify – Este empleador participa en E-Verify UFirst Credit Union is an Equal Opportunity Employer
The credit score required to qualify for an auto loan is relative to the lender. On average, the borrower needs a score in the low 700s for a new car loan and mid-600s for a used car loan.
A borrower's credit history tells the lender whether or not they are high or low risk. When getting approved for an auto loan, most financial institutions will look at the borrower’s industry-specific auto FICO® Score3, along with their base FICO® Score from the three consumer credit reporting bureaus: Equifax, Experian and TransUnion.
This credit score also determines the borrower’s interest rate on the loan. Typically, to get an interest rate between 0–2% on new car loans, the lender will require a credit score of 700 or higher. Reversely, if a borrower finds themselves with a credit score in the mid-600s or low 500s to low 600s, they may expect a lender to give an interest rate three to five times higher (between 10–24%) than those with good or excellent credit.
You can check your FICO® Score for free on our free mobile app, UFirst.
Refinancing your auto loan is a great and easy way to save money on your car payments and to lower the interest rate on your auto loan.
In order to refinance your auto loan, you’ll need to gather the right information and documents. All the necessary information would be the car mileage, VIN number, current car loan numbers, driver’s license, and income verification. After gathering this information, you can refinance your loan with the same lender or with a different financial institution.
After applying, the bank or credit union will check your credit history and let you know if you qualify for a lower interest rate. After approval, the bank or credit union will work with you to set your new loan term to a lower monthly car payment.