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.
Get a 15-Month Certificate at the Higher Rate of a 30-Month Term*
Earn Better Dividends
As of May 25, 2022, the 30-month Certificate rate is
Share Certificates are an easy way to invest money and earn guaranteed interest on the money in your
Certificate. When you invest now in a UFirst 15-month Certificate, you’ll receive guaranteed payouts and
the higher interest rate of a 30-month Certificate. That means, your investment term is shorter,
but you’ll earn higher dividends.
Our 15-month Certificate has a low minimum opening balance of $500, there are no maintenance fees, and
your dividend rate is fixed so you’re guaranteed to always be earning.
When you open a 15-month Certificate now, you’ll also continue earning a higher rate if the Certificate
rolls over. After the initial 15-month term, your Certificate will renew at a 12-month term at the
prevailing 24-month dividend rate. That means higher payouts for up to 27
Get a 15-month Share Certificate at the 30-month rate
Earn higher dividends for 15 months
Rollover your Certificate and renew with a 12-month term at the prevailing 24-month rate
Earn higher dividends for another 12 months
Benefits of Share Certificates
Safe investment with guaranteed payouts
Fixed dividend rate so you're always earning
Low minimum opening balance of $500
No maintenance fee
Options to rollover after term to keep earning
Investment protected by the NCUA
Don’t let your savings spend another minute not earning interest. Contact UFirst today to take advantage of our 15-month Certificate
promotion and higher, guaranteed payouts. Learn more about saving more money with Share Certificates by
visiting your preferred branch or calling 801-481-8800 now.
UFirst 15-Month Certificate Promotion *Promotion starting 05/25/2022.
Offer subject to change or closure without prior notice. Rates are subject to change at any time and
without prior notice. Most current rates found HERE. Deposits (*new money) must
consist of funds not previously held at UFirst Credit Union. Early withdrawal penalties may apply and
reduce earnings and principal. Membership required and member must remain in good standing. At the
2nd auto-renewal, certificate will revert to a regular 12-month certificate at the current
12-month rate. Other restrictions 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.