Recently, the financial service industry has observed an increase in fraudulent attempts to access
an individual's account data through phishing. UFirst will never ask you for your account
credentials or PIN. If you receive a suspicious call, email or text message, please contact 801-481-8800. For more
information on protecting yourself from fraud, click here.
Finding an ATM close to you is fast, easy, and convenient
For your convenience, we have locations throughout Salt Lake County as well as two offices in South Davis
County. With today's technology you can access your account, make withdrawals and post deposits from
In addition to the ATMs available at most of our branch locations, we are part of several national ATM
networks that provide you ATM service at millions of locations worldwide. To find the ATM nearest your home
or travel destination, use one of the following:
30,000 Surcharge-Free CO-OP ATMs
There are 30,000
CO-OP Network ATMs nationwide, with over 500 in Utah, and you can use them without paying a surcharge -
EVER! That's thousands more ATMs than most banks have. You can also use these ATMs without paying a
Use the our Locator to find an ATM or call 1-888-748-3266.
With more than 1.4 million merchant locations, Interlink is one of the easiest ways to make those everyday
purchases and get cash back. Interlink makes your ATM card work at the point of sale--withdrawing the necessary
funds directly from your checking account--all with the security of using your private PIN code.
Interlink is available on your ATM card, so there's nothing more to put in your wallet, no complicated
procedures to follow, and--when you request cash back--no extra trips to the ATM. And because Interlink is the
largest national online point-of-sale network, your ATM card works at more than a million merchants all over the
How to Use Interlink
When you're ready to quickly check out, just use your ATM card.
At the register, swipe your card through the reader, select "debit", and enter your PIN code.
At some merchants, you may also request cash back.
When a final total is ready, you approve the amount to be paid directly from your checking account. You will
receive confirmation that your transaction is approved and a receipt detailing your transaction.
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.