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 here to help you manage your finances faster and
easier with our powerful budgeting platform, U Money Manager. This free budgeting tool allows you to
monitor all of your accounts from one convenient, easy-to-read dashboard. Track your earnings and
expenses in beautifully detailed graphs that visualize your spending habits and detail all of your
financial goals. Take control of your budget with U Money Manager.
Manage all of your accounts from one convenient location
Visually organize your finances with easy-to-read Budget Bubbles
Automatically categorize transactions for the places you shop and track expenses
Set financial goals through interactive timelines and intelligent budgeting
Use detailed reports to provide insight into everyday spending habits
At UFirst Credit Union we take the security of our members seriously.
U Money Manager examines transactions from every user and automatically identifies purchases based on a
majority of accounts. You can always re-categorize any transaction and U Money Manager will remember
your preference for the future. U Money Manager uses SSL encryption to safeguard all of your data. U
Money Manager has a downloadable app for Apple and Android devices available. Best of all? No fees. U
Money Manager is a benefit for UFirst Credit Union members who have online banking to help them take
control of their finances.
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.