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Credit Union Rates

Current Rates & Fees

UFirst offers low, competitive credit union interest rates. UFirst Credit Union has the right loan that is sure to meet your needs. We have the best credit union rates. In general, banks like UFirst can offer lower rates on loans because they are responsible to the individual depositors rather than shareholders and investors. Hence, why more people turn to credit unions for their lower interest and loan rates. 

Below are the latest UFirst Credit Union Rates: 


SAVINGS RATES


Primary, Secondary, & Christmas Club Savings

Rates effective 12/01/2022
Balance Dividend Rate APY*
$0 - $999 0.05% 0.05%
$1,000+ 0.10% 0.10%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. The minimum balance required to open a Primary Savings account is $10.00.

Crimson Checking

Rates effective 12/01/2022
Balance Dividend Rate APY*
$0 - $4,999 0.05% 0.05%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.25% 0.25%
$100,000+ 0.25% 0.25%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Crimson Checking is subject to a $7 monthly maintenance fee if the balance drops below $1,000 during the month or the combined share balances drop below $25,000.

Business Money Market Checking

Rates effective 12/01/2022
Balance Dividend Rate APY*
$0 - $4,999 0.50% 0.50%
$5,000 - $9,999 0.70% 0.70%
$10,000 - $19,999 0.80% 0.80%
$20,000 - $49,999 1.00% 1.01%
$50,000 - $99,999 1.24% 1.25%
$100,000+ 1.49% 1.50%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.

Money Market Accounts

Rates effective 12/01/2022
Balance Dividend Rate APY*
$0 - $4,999 0.50% 0.50%
$5,000 - $9,999 0.70% 0.70%
$10,000 - $19,999 0.80% 0.80%
$20,000 - $49,999 1.00% 1.01%
$50,000 - $99,999 1.14% 1.15%
$100,000 - $149,999 1.29% 1.30%
$150,000 - $499,999 1.49% 1.50%
$500,000+ 1.69% 1.70%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. The minimum balance required to open a Money Market account is $1,000.

 

High Yield Money Market Accounts

Rates effective 12/01/2022
Balance Dividend Rate APY*
$0 - $4,999.99 0.50% 0.50%
$5,000 - $9,999.99 0.70% 0.70%
$10,000 - $19,999.99 0.80% 0.80%
$20,000 - 24,999.99 1.00% 1.01%
$25,000 - $49,999 1.09% 1.10%
$50,000 - $99,999 1.24% 1.25%
$100,000 - $249,999 1.39% 1.40%
$250,000 - $499,999 1.59% 1.60%
$500,000+ 1.78% 1.80%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Must have a minimum of $25,000 to open a High Yield Money Market Account.

IRA Accounts

IRA Share Certificates

Rates effective 12/08/2022
Term Dividend Rate APY*
6 months 2.47% 2.50%
12 months 4.22% 4.30%
18 months 4.31% 4.40%
24 months 4.17% 4.25%
30 months 3.40% 3.45%
36 months 3.49% 3.55%
48 months 3.59% 3.65%
60 months 3.78% 3.75%
*APY=Annual Percentage Yield.  Rates are subject to change at any time and without notice. Fees may reduce earnings. The minimum opening balance for an IRA Certificate is $500. You may incur a penalty should you choose to withdraw your money before the completion of the term.

 

IRA Bump Share Certificates

Rates effective 12/08/2022
Term Dividend Rate APY*
6 months 2.47% 2.50%
12 months 4.22% 4.30%
18 months 4.31% 4.40%
24 months 4.17% 4.25%
30 months 3.40% 3.45%
36 months 3.49% 3.55%
48 months 3.59% 3.65%
60 months 3.78% 3.85%

 
*APY=Annual Percentage Yield. Rates are subject to change at any time and without notice. Fees may reduce earnings. The minimum balance for a IRA Bump Share Certificate is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFirst Credit Union will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. Bump option pertains to the prevailing UFirst Credit Union term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.
 
 

IRA Accumulator Account

Rates effective 12/01/2022
Balance Dividend Rate APY*
$0 - $4,999 0.50% 0.50%
$5,000 - $9,999 0.70% 0.70%
$10,000 - $19,999 0.80% 0.80%
$20,000 - $49,999 1.00% 1.01%
$50,000 - $99,999 1.14% 1.15%
$100,000 - $149,999 1.29% 1.30%
$150,000 - $499,999 1.49% 1.50%
$500,000+ 1.69% 1.70%
*APY=Annual Percentage Yield. Rates are subject to change at any time and without notice. Fees may reduce earnings.
 
 

Certificate Accounts

Regular Share Certificates

Rates effective 12/08/2022
Term Dividend Rate APY*
6 months 2.47% 2.50%
12 months 4.22% 4.30%
18 months 4.31% 4.40%
24 months 4.17% 4.25%
30 months 3.40% 3.45%
36 months 3.49% 3.55%
48 months 3.59% 3.65%
60 months 3.78% 3.85%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a Regular Certificate is $500. You may incur a penalty should you choose to withdraw your money before the completion of the term. Not available for financial institutions or other institutional investors.

 

Other Share Certificates**

Rates effective 12/01/2022
Term Dividend Rate APY*
12 month Access 3.93% 4.00%
*APR=Annual Percentage Rate
**APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a 12-Month Access Certificate is $500. The 12-Month Access Certificate balance must not fall below $100 in order to keep the Access Certificate account open. You will incur a penalty should you close your account before the completion of the term. Not available for financial institutions or other institutional investors. 
**12 month Access is available only on Consumer Accounts.  Members are granted one penalty-free withdrawal during each calendar quarter. 

 

Regular Bump Share Certificates

Rates effective 12/08/2022
Term Dividend Rate APY*
6 months 2.47% 2.50%
12 months 4.22% 4.30%
18 months 4.31% 4.40%
24 months 4.17% 4.25%
30 months 3.40% 3.45%
36 months 3.49% 3.55%
48 months 3.59% 3.65%
60 months 3.78% 3.85%
 
 
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a Regular Bump Certificate Rates is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFirst Credit Union will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. The One-time Bump Share Certificate is not automatically renewable. At maturity, the One-time Bump Certificate Account will renew to a Regular Certificate Account with the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day grace period after maturity. Bump option pertains to the prevailing UFirst Credit Union term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.

 

U Save Share Certificates**

Rates effective 12/08/2022
Term Dividend Rate APY*
3-5 months 2.23% 2.25%
6-11 months 2.42% 2.45%
12-17 months 4.17% 4.25%
18-23 months 4.27% 4.35%
24-29 months 4.12% 4.20%
30-35 months 3.35% 3.40%
36 months 3.44% 3.49%
48 months 3.54% 3.60%
60 months 3.74% 3.80%

*APR=Annual Percentage Rate
**APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a U Save Certificate is $10. You may incur a penalty should you choose to withdraw your money before the completion of the term.
***U Save is only available on consumer accounts. 

 


LOAN RATES


Loan rates are based on credit history and account relationship with UFirst Credit Union. Annual Percentage Rate (APR) may change without notice.
Prime Rate as of 12/01/22 is 7.00%

Visa Cards*

Rates effective 12/01/2022
Card Variable APR As Low As APR As Low As
Visa Crimson Card 11.74% n/a
Visa Crimson Rewards Card 12.24% n/a
Visa Student Rewards Card 17.99% n/a
Visa Secure Card 12.99 12.99%
Visa Business Rewards Card 13.74% n/a

 

*Although there are no annual fees, other fees may apply.  Click here for a full list of fees

Auto Loans

Rates effective 12/01/2022
Term Fixed APR
66 months As low as 5.99%
75 months
($10,000 min.)
As low as 6.24%
84 months
($15,000 min.)
As low as 6.99%

*Length of term and rate will determine the total interest you will pay over the life of the loan. For example, a 60 month auto loan at 5.99% for $10,000 would result in a monthly payment of approximately $193.31. See current rates and terms.

Recreational Vehicle Loans*

Rates effective 12/01/2022
Term Fixed APR
Up to 84 months As low as 7.99%
Up to 120 months As low as 8.49%
Up to 144 months As low as 8.74%
Up to 180 months
with 10 year maturity date
As low as 8.89%

*Length of term and rate will determine the total interest you will pay over the life of the loan. For example, a 120 month RV loan at 8.49% for $20,000 would result in a monthly payment of approximately $247.94 and total interest charges of approximately $7,751.34

Personal Loans*

Rates effective 12/01/2022
Amount Term Fixed APR
Under $2,000 24 months As low as 11.49%
Under $2,000 36 months As low as 11.74%
Under $5,000 48 months As low as 11.99%
$5,000+ 60 months As low as 12.24%

*Loans subject to credit approval. See current rates and terms. No down payment or collateral is required. The monthly obligation will be determined by the total loan amount and the term and interest rate of the loan. For example, the minimum payment for a loan with a 12.24% APR and 60-month term is approximately $22.37 per $1,000 borrowed.

Miscellaneous Secured Loans*

Rates effective 08/01/2022
Type Term Fixed APR
Shared Secured 60 months Rate of savings + 3.00%
Certificate Secured Maximum of Certificate Certificate rate + 3.00%

*Loans subject to credit approval. See current rates and terms. No down payment or collateral (except for shares or certificate) is required. The monthly obligation will be determined by the total loan amount and the term and interest rate of the loan. For example, the minimum payment for a loan with a 4.96% APR and 60-month term is approximately $19.04 per $1,000 borrowed.

Home Equity Line of Credit*

Rates effective 12/01/2022
Loan to Value Minimum Variable APR Maximum Variable APR
60% LTV As low as 6.500% 18.00%
70% LTV As low as 7.000% 18.00%
80% LTV As low as 7.500% 18.00%
85% LTV As low as 8.500% 18.00%
90% LTV As low as 10.00% 18.00%
95% LTV As low as 11.25% 18.00%

*Rates vary upon loan to value and credit. Variable rates may change after consummation. Owner occupied.  HELOCs up to 95% LTV.  

Home Equity - Second Mortgage*

Rates effective 12/01/2022
Term 80% LTV 90% LTV 95% LTV
5 Years 5.99% APR* 6.99% APR* 8.24% APR*
7 Years 6.24%APR* 7.24% APR* 8.49% APR*
10 Years 6.49% APR* 7.49% APR* 8.74% APR*
12 Years 6.74% APR* 7.74% APR* 8.99% APR*
15/6 6.74% APR* 7.74% APR* 8.99% APR*
20/6 6.99% APR* 7.99% APR* 9.24% APR*

*Loans subject to credit approval. See current rates and terms. Home equity financing will require Up to 95% LTV.  The minimum payment for a $80,000 loan with a 6.49%  APR and 10-year term is $907.98. These payment examples does not include taxes and insurance.  Your actual payment may be higher.  The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples.

No-Fee First Mortgage*

Rates effective 12/01/2022
Term 60% LTV 70% LTV 80% LTV
5 years 4.24% APR* 4.49% APR* 4.74% APR*
7 years 4.49% APR* 4.49% APR* 4.74% APR*
10 years 4.99% APR* 4.99% APR* 5.24% APR*
12 years 5.24% APR* 5.24% APR* 5.49% APR*

*Loans subject to credit approval. See current rates and terms. No-Fee First Home Mortgage financing will require a minimum of a 20% down payment. For example a $100,000 loan approved at 80% of value would require a down payment of $20,000. The minimum payment for a $80,000 loan with a 4.99% APR and 10-year term is $848.13. These payment examples do not include taxes and insurance.  Your actual payment may be higher.  The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan.  See our Loan Calculators for specific examples.  Closing costs waived include origination, processing, underwriting, tax service, appraisal, credit report, and title fees.

Conventional Mortgage Loans*

Rates effective 12/01/2022
Terms Origination Fee APR
10, 15, 20, 30 Year Yes** Up to 95% LTV
Loan to values over 80% require mortgage insurance

*Loans subject to credit approval. See current rates and terms. Mortgage financing will require a minimum of a 5% down payment. For example a $100,000 loan approved at 95% of value would require a down payment of $5,000. The minimum payment for a $95,000 loan with a 6.000% APR and 30-year term is $569.57 .  This payment example does not include taxes and insurance. Your actual payment may be higher.  The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculators for specific examples. 

** Costs include closing costs such as title insurance, appraisal, processing, underwriting and recording fees, etc. Costs do not include interest. Contact a loan specialist today.

 

FHA, Jumbo, Second Home, Construction, Lot, Investment Property Loans, ARM Loans

For competitive rates and terms call (801) 481-8840

 


FEES


Share Savings Account Fees

Fee Type Fee
Closing Fee
(Only if account is closed within 180 days of opening)
$10

Checking Account Fees

Fee Type Fee
Overdrawn / Overdraft Privilege Fee $25/item (max charges 5 per day)
Stop Payment Fee $15/request
as of 6/1/14
Check Image Research $2/check
Crimson Checking
(fee waived when minimum balance is maintained throughout month)
$7/month
Smart Checking
(fee waived when minimum of 4 out of 11 criteria are met monthly)
$5/month
Paper Statement Fee

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