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:
| 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.
| 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.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4,999 | 0.60% | 0.60% |
| $5,000 - $9,999 | 0.80% | 0.80% |
| $10,000 - $24,999 | 1.04% | 1.05% |
| $25,000 - $49,999 | 1.29% | 1.30% |
| $50,000 - $99,999 | 1.59% | 1.60% |
| $100,000+ | 1.78% | 1.80% |
*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 0.60% | 0.60% |
| $5,000 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $24,999.99 | 1.04% | 1.05% |
| $25,000 - $49,999.99 | 1.24% | 1.25% |
| $50,000 - $99,999.99 | 1.34% | 1.35% |
| $100,000 - $149,999.99 | 1.49% | 1.50% |
| $150,000 - $499,999.99 | 2.08% | 2.10% |
| $500,000 + | 2.37% | 2.40% |
*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.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 0.60% | 0.60% |
| $5,000 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $24,999.99 | 1.04% | 1.05% |
| $25,000 - $49,999.99 | 1.39% | 1.40% |
| $50,000 - $99,999.99 | 1.59% | 1.60% |
| $100,000 - $149,999.99 | 2.08% | 2.10% |
| $150,000 - $499,999.99 | 2.37% | 2.40% |
| $500,000 + | 2.71% | 2.75% |
*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.
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.89% | 5.00% |
| 12 months | 4.22% | 4.30% |
| 18 months | 4.31% | 4.40% |
| 24 months | 4.41% | 4.50% |
| 30 months | 3.69% | 3.75% |
| 36 months | 3.78% | 3.85% |
| 48 months | 3.93% | 4.00% |
| 60 months | 4.07% | 4.15% |
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.79% | 4.90% |
| 12 months | 4.12% | 4.20% |
| 18 months | 4.22% | 4.30% |
| 24 months | 4.31% | 4.40% |
| 30 months | 3.59% | 3.65% |
| 36 months | 3.69% | 3.75% |
| 48 months | 3.83% | 3.90% |
| 60 months | 3.98% | 4.05% |
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 0.60% | 0.60% |
| $5,000 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $24,999.99 | 1.04% | 1.05% |
| $25,000 - $49,999.99 | 1.24% | 1.25% |
| $50,000 - $99,999.99 | 1.34% | 1.35% |
| $100,000 - $149,999.99 | 1.49% | 1.50% |
| $150,000 - $499,999.99 | 2.08% | 2.10% |
| $500,000 + | 2.37% | 2.40% |
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.89% | 5.00% |
| 12 months | 4.22% | 4.30% |
| 18 months | 4.31% | 4.40% |
| 24 months | 4.41% | 4.50% |
| 30 months | 3.69% | 3.75% |
| 36 months | 3.78% | 3.85% |
| 48 months | 3.93% | 4.00% |
| 60 months | 4.07% | 4.15% |
| Term | Dividend Rate | APY* |
|---|---|---|
| 12 month Access | 3.93% | 4.00% |
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.79% | 4.90% |
| 12 months | 4.12% | 4.20% |
| 18 months | 4.22% | 4.30% |
| 24 months | 4.31% | 4.40% |
| 30 months | 3.59% | 3.65% |
| 36 months | 3.69% | 3.75% |
| 48 months | 3.83% | 3.90% |
| 60 months | 3.98% | 4.05% |
| Card | Variable APR As Low As | APR As Low As |
|---|---|---|
| Visa Crimson Card | 12.49% | n/a |
| Visa Crimson Rewards Card | 12.49% | n/a |
| Visa Student Rewards Card | 17.99% | n/a |
| Visa Secure Card | 13.49% | 13.24% |
| Visa Business Rewards Card | 14.49% | n/a |
*Although there are no annual fees, other fees may apply. Click here for a full list of fees
| Term | Fixed APR |
|---|---|
| 66 months | As low as 6.49% |
| 75 months ($10,000 min.) |
As low as 6.74% |
| 84 months ($15,000 min.) |
As low as 7.49% |
*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 6.49% for $10,000 would result in a monthly payment of approximately $195.60. See current rates and terms.
| Term | Fixed APR |
|---|---|
| Up to 84 months | As low as 8.49% |
| Up to 120 months | As low as 8.99% |
| Up to 144 months | As low as 9.24% |
| Up to 180 months with 10 year maturity date |
As low as 9.49% |
*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 8.99% for $20,000 would result in a monthly payment of approximately $253.24 and total interest charges of approximately $10,388.31
| Amount | Term | Fixed APR |
|---|---|---|
| Under $2,000 | 24 months | As low as 11.99% |
| Under $2,000 | 36 months | As low as 12.24% |
| Under $5,000 | 48 months | As low as 12.49% |
| $5,000+ | 60 months | As low as 12.74% |
*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 12.74% APR and 60-month term is approximately $22.62 per $1,000 borrowed.
| 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.
| Loan to Value | Minimum Variable APR | Maximum Variable APR |
|---|---|---|
| 60% LTV | As low as 7.500% | 18.00% |
| 70% LTV | As low as 8.000% | 18.00% |
| 80% LTV | As low as 8.500% | 18.00% |
| 85% LTV | As low as 9.500% | 18.00% |
| 90% LTV | As low as 11.00% | 18.00% |
| 95% LTV | As low as 12.25% | 18.00% |
*Rates vary upon loan to value and credit. Variable rates may change after consummation. Owner occupied. HELOCs up to 95% LTV.
| Term | 80% LTV | 90% LTV | 95% LTV |
|---|---|---|---|
| 5 Years | 7.49% APR* | 8.49% APR* | 9.74% APR* |
| 7 Years | 7.74%APR* | 8.74% APR* | NA |
| 10 Years | 7.74% APR* | 8.74% APR* | NA |
| 12 Years | 7.99% APR* | 8.99% APR* | NA |
| 15/6 | 7.99% APR* | 8.99% APR* | NA |
| 20/6 | 8.24% APR* | 9.24% APR* | NA |
*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 7.74% APR and 10-year term is $959.66. 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.
| Term | 60% LTV | 70% LTV | 80% LTV |
|---|---|---|---|
| 5 years | 5.49% APR* | 5.74% APR* | 5.99% APR* |
| 7 years | 5.74% APR* | 5.74% APR* | 5.99% APR* |
| 10 years | 6.24% APR* | 6.24% APR* | 6.49% APR* |
| 12 years | 6.49% APR* | 6.49% APR* | 6.74% 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 6.49% APR and 10-year term is $907.98. 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.
| 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 6.250% APR and 30-year
term is $584.93. 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.
For competitive rates and terms call (801) 481-8840
| Fee Type | Fee |
|---|---|
| Closing Fee (Only if account is closed within 180 days of opening) |
$10 |
| 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 (for Smart and eChecking accounts) |
$2/month |
| Fee Type | Fee |
|---|---|
| Account Reconciliation/ Research | $20/hour |
| Cashier's Check | $1/check |
| Payment from other institution by phone | $10/transaction |
| Payment from other institution online | $4.95/transaction |
| Items sent for Collection | $15/item |
| Foreign Check Deposits | $15/item |
| Legal Process Fee (Garnishment / Tax Levies) | $15/occurrence |
| Money Order | $1.50/item |
| Returned ACH Fee | $25/item |
| Returned Deposit Fee | $10/item |
| Returned Mail Fee (Waived with balance greater than $1,000) |
$2/month |
| Statement Copy Fee (Previous Quarter) |
Free |
| Statement Copy Fee (Per Quarter Prior to Previous Quarter) |
$2/copy |
| Temporary Checks | $1/sheet of 5 |
| Wire Transfer Fee(Incoming) | $10/transfer as of 6/1/14 |
| Wire Transfer Fee (Outgoing) |
$15/transfer as of 6/1/14 |
| International Wire Transfer Fee (Outgoing) |
$35/transfer as of 6/1/14 |
| Lost Plastic Card Replacement | $5/card |
| Visa Gift Cards | $2.95/card |
| Visa Travel Cards | $8.95/card ($2.95 Per additional card tied to the same limit) |
| Visa Travel Card Reload | $2.95/reload |
| Stop Payment (on a Cashier's Check) |
$15/request |
| Skip Payment Fee |
$25/per item |
| Cash Advance |
1.50% of each cash advance |
| Fee Type | Fee |
|---|---|
| ATM Transaction Fee (At ATMs not participating in the CO-OP Network) |
$2/transaction |
| Fee Type | Fee |
|---|---|
| International Service Assessment
(ISA) (Transactions initiated in a foreign currency) |
1.00% per transaction |
| Currency Fee (Transactions occurring in foreign countries and initiated in U.S. dollars) |
1.00% per transaction |
| Fee Type | Fee |
|---|---|
| Transactions (Includes deposits, drafts cleared, and checks received) |
15¢ in excess of 200 (per month) |
| Cash Handling (Other fees and charges may apply based on volume) |
.05%; after the first $10,000 per month |
| Fee Type | Fee |
|---|---|
| Maintenance Fee | $10/month |
| Transactions (Includes deposits, checks cleared, etc.) |
10¢ per transaction |
| Cash Handling (Other fees and charges may apply based on volume) |
.03%; after the first $10,000 per month |
| Fee Type | Fee |
|---|---|
| Returned Deposit Fee | $3/item |
| Printed Statement Option | $2/month |
Shared Branches