Don't sacrifice rate or access. Get BOTH with our 12-Month Access Certificate!
With the 12-month access certificate* you can:
Open with as little as $500
Access your funds with one penalty-free withdrawal each quarter**
Competitive fixed dividend rates
* A minimum balance of $100 must be maintained in the certificate.
Certificate will stay an access certificate at maturity. **Members have one penalty-free withdrawal per calendar quarter.
Additional withdrawals may incur a penalty on dividends if exceeds one per calendar
quarter. *You may incur a penalty on dividends should you
choose to withdraw your money before the completion of the term.
How much can I save?
"ONE-TIME BUMP" SHARE CERTIFICATES
With terms from 6 months to 5 years and a new lower threshold of $500, UFirst Credit Union’s Bump
Certificates just got better! You can start saving today and if the rate increases during your term, you
can bump up to the higher rate!
Start saving for that dream home or vacation!
Regular & Traditional IRA Bump Certificates
6 months to 5 year terms*
One-time bump during your term**
$500 minimum balances to open
* The One-time Bump Share Certificate is not automatically renewable.
At maturity, the One-time Bump Certificate Account will renew to a Regular Certificate Account with
the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day
grace period after maturity. You may incur a penalty on dividends should you choose to withdraw your
money before the completion of the term.
** This Certificate is allowed a one-time dividend rate increase (bump) which must be initiated by an
account owner. When the one time bump option is exercised by the account owner, the rate will change
to the current rate of the Regular Certificate of the same term length
U SAVE ACCOUNT
Earns dividends like a certificate account, but gives you the flexibility of a high-yield savings
A great way to save for a big purchase, down payment, or vacation
As little as $10 balance to get started
Choose your own term, from three to 60 months
Set up automatic transfers from another account
Earn competitive dividends
Conditions: A monthly automatic deposit must be set up on this account.
The U Save account will automatically renew if a withdrawal request is not made by member upon
maturity. Notice of maturity will be made 13 days prior to maturity date to address on file. Early
withdrawal penalties may apply.
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.