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.
Save Money on Your Auto and RV Insurance with a UFirst Member Discount
As a UFirst Credit Union member, you're eligible for discounted auto insurance through UFirst Insurance Services. With UFirst Insurance
Services, you can find the best coverage options for your lifestyle without doing hours of
To get coverage options, just complete one application for auto insurance here. We’ll then
examine dozens of offerings that suit your specific needs and we'll provide the best available options
for you to choose from. All quotes are no obligation so you can be confident you have the right coverage for
the vehicles you need to protect.
Stay Protected with UFirst Credit Union Insurance Aisle
Discounted rates for credit union members
Carefully selected insurance partners
Free, no-obligation quotes
Get your free quote now or call 1-833-331-0019 for more details. Not a member of
UFirst? Become one today and find out why It's Better Here! You can apply online or visit any
of our UFirst
branches to become a member.
*Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or
guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required
as a condition of the extension of credit by UFirst Credit Union need not be purchased from our Agency but
may, without affecting the approval of the application for an extension of credit, be purchased from an
agent or insurance company of the customer's choice.
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.