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.
UFirst Credit Union is not just local to Utah, but we're local to you. Our visa debit cards provide you
with better benefits and more convenient transactions. Some of those benefits include:
Our Free Mobile
App- You can access and manage your funds any time, easily transfer money between accounts,
check your FICO credit score and much more!
No Annual Fee- No matter where you are, your Visa debit card is accepted worldwide with no
No Surcharge ATMs- If you ever find yourself in a place where you can’t access a UCU ATM,
you can withdraw cash from any CO-OP ® Network ATM with no surcharge fees.
These ATMs are scattered around the United States and other countries, so you can count on getting the cash
you need without paying any fees.
Free Student Checking Account-
As a student, you’re always on the move. UFirst Credit Union helps you move with local ATMs on campus at the
University of Utah with no surcharge fees, low student loan rates, and awesome mobile banking.
UCU is Utah's choice for great banking. If you are looking for added security and benefits that come with
your debit card, we are the credit union for you!
How To Apply For a Debit Card Online
Applying for your Visa debit card is super easy. When you open up your checking account with UCU, you can apply immediately
for your card. Choose whether your card is delivered by mail or if you would like to visit a UFirst Credit
Union Branch near you to pick it up.
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.