Serving our community is important to
us, which is why we're part of the CO-OP Network of shared branches. Please note, however, that
although our Meadowbrook location can can help you with a full scope of financial wellness products, it
can not service outside accounts. For help with non-UFirst accounts, please visit one of our other
locations or another shared branch.
Our lobbies are now open, but we are still taking precautions to ensure your safety along with the safety
of our staff and community.
For In-Lobby Transactions, UFirst has Implemented the Following Precautions
Plexiglass barriers will be installed at the teller stations and high traffic desks areas in the branch
High traffic areas will be cleaned hourly, this includes teller lines, door handles, desks, etc.
The number of individuals permitted in-lobby will be safely managed and floor-markers will designate
safe social distancing areas for waiting.
Hand sanitizer will be available for members and employee use.
Although COVID-19 has impacted the way we work, it hasn’t changed our devotion to you. We will ask the
following of in-lobby members:
Help Us Keep Members Safe
If all platform desks are helping members, we will ask for your contact information so you may wait
safely in your vehicle for service.
Members may wear a mask in-lobby but please be prepared to temporarily remove it if identification is
required for your transaction (i.e. withdrawals and transfers).
Lobby visits are restricted to members conducting transactions or receiving services. We strongly
recommend that only members who need services enter our branch lobbies.
If you are sick or have recently been sick, please do not enter our branches. You can
connect with us via remote services like phone banking and
It's Better Here
UFirst Credit Union values you. That's why we work so hard to protect your security, your finances,
your family and your future. For more information on the benefits of your membership with UFirst, see our Member Services page
or visit any of our UFirst
branches. Thanks for being our member.
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.