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.
SAVINGS RATES
Rates effective 10/01/2023
Balance |
Dividend Rate |
APY* |
0.05% |
0.05% |
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.
Rates effective 10/01/2023
Balance |
Dividend Rate |
APY* |
$0 - $4999 |
0.10% |
0.10% |
$5,000 - $9,999
|
0.15% |
0.15% |
$10,000 - $19,999 |
0.25% |
0.25% |
$20,000 - $49,999
|
0.30% |
0.30% |
$50,000 - $99,999 |
0.40% |
0.40% |
$100,000 + |
0.50% |
0.50% |
*APY=Annual Percentage Yield. Rates are variable and may change after the
account is opened.
Rates effective 10/01/2023
Balance |
Dividend Rate |
APY* |
0.60% |
0.60% |
0.80% |
0.80% |
1.04% |
1.05% |
1.29% |
1.30% |
1.59% |
1.60% |
1.78% |
1.80% |
*APY=Annual Percentage Yield. Rates are variable and may change after the
account is opened. Fees may reduce earnings.
Rates effective 10/01/2023
Balance |
Dividend Rate |
APY* |
0.75% |
0.75% |
0.99% |
1.00% |
1.24% |
1.25% |
$25,000 - $49,999.99
|
1.49% |
1.50% |
$50,000 - $99,999.99 |
1.98% |
2.00% |
$100,000 -
$149,999.99 |
2.23% |
2.25% |
$150,000 - $499,999.99 |
2.47% |
2.50% |
$500,000 + |
2.96% |
3.00% |
*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.
Rates effective 10/01/2023
Balance |
Dividend Rate |
APY* |
0.75% |
0.75% |
0.99% |
1.00% |
1.24% |
1.25% |
1.73% |
1.75% |
$50,000 - $99,999.99
|
2.23% |
2.25% |
$100,000 - $149,999.99
|
2.47% |
2.50% |
$150,000 - $499,999.99 |
2.96% |
3.00% |
$500,000 + |
3.92% |
4.00% |
*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 Share Certificates
Rates effective 10/01/2023
Term |
Dividend Rate |
APY* |
6 months |
5.08% |
5.20% |
12 months |
5.03% |
5.15% |
18 months |
4.31% |
4.40% |
24 months |
4.31% |
4.40% |
30 months |
4.17% |
4.25% |
36 months |
4.07% |
4.15% |
48 months |
3.83% |
3.90% |
60 months |
3.83% |
3.90% |
*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 10/01/2023
Term |
Dividend Rate |
APY* |
6 months |
5.08% |
5.20% |
12 months |
5.03% |
5.15% |
18 months |
4.41% |
4.50% |
24 months |
4.41% |
4.50% |
30 months |
4.27% |
4.35% |
36 months |
4.17% |
4.25% |
48 months |
3.94% |
4.01% |
60 months |
3.94% |
4.01% |
*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 10/01/2023
Balance |
Dividend Rate |
APY* |
0.75% |
0.75% |
0.99% |
1.00% |
1.24% |
1.25% |
$25,000 - $49,999.99
|
1.49% |
1.50% |
$50,000 - $99,999.99 |
1.98% |
2.00% |
$100,000 -
$149,999.99 |
2.23% |
2.25% |
$150,000 - $499,999.99 |
2.47% |
2.50% |
$500,000 + |
2.96% |
3.00% |
*APY=Annual Percentage Yield. Rates are subject to change at any time and without
notice. Fees may reduce earnings.
Regular Share Certificates
Rates effective 10/01/2023
Term |
Dividend Rate |
APY* |
6 months |
5.18% |
5.30% |
12 months |
5.13% |
5.25% |
18 months |
4.41% |
4.50% |
24 months |
4.41% |
4.50% |
30 months |
4.27% |
4.35% |
36 months |
4.17% |
4.25% |
48 months |
3.93% |
4.00% |
60 months |
3.93% |
4.00% |
*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 10/01/2023
Term |
Dividend Rate |
APY* |
12 month Access |
4.17% |
4.25% |
*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 10/01/2023
Term |
Dividend Rate |
APY* |
6 months |
5.08% |
5.20% |
12 months |
5.03% |
5.15% |
18 months |
4.31% |
4.40% |
24 months |
4.31% |
4.40% |
30 months |
4.17% |
4.25% |
36 months |
4.07% |
4.15% |
48 months |
3.83% |
3.90% |
60 months |
3.83% |
3.90% |
*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.
Rates effective 10/01/2023
Term |
Dividend Rate |
APY* |
3-5 months |
4.55% |
4.65% |
6-11 months |
4.89% |
5.00% |
12-17 months |
5.13% |
5.25% |
18-24 months |
4.55% |
4.65% |
*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 010/01/23 is 8.50%
Rates effective 10/01/2023
Card |
Variable APR As Low As |
APR As Low As |
13.24% |
n/a |
13.74% |
n/a |
17.99% |
n/a |
13.74% |
13.74% |
15.24% |
n/a |
*Although there are no annual fees, other fees may apply. Click here
for a full list of fees
Rates effective 10/01/2023
Term |
Fixed APR |
As low as 6.74% |
As low as 6.99% |
As low as 7.74% |
*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 6.74% for $10,000 would result in a monthly
payment of approximately $196.86. See current rates and terms.
Rates effective 10/01/2023
Term |
Fixed APR |
As low as 8.99% |
As low as 9.49% |
As low as 9.74% |
As low as 9.99% |
*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 9.49% for $20,000 would result in a monthly
payment of approximately $258.80 and total interest charges of approximately $11,054.27
Rates effective 10/01/2023
Amount |
Term |
Fixed APR |
24 months |
As low as 12.49% |
36 months |
As low as 12.74% |
48 months |
As low as 12.99% |
60 months |
As low as 13.24% |
*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 13.24% APR and
60-month term is approximately $22.89 per $1,000 borrowed.
Rates effective 10/01/2023
Type |
Term |
Fixed APR |
60 months |
Rate of savings + 4.00% |
Maximum of Certificate |
Certificate rate + 4.00% |
*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.
Rates effective 10/01/2023
Loan to Value |
Minimum Variable APR |
Maximum Variable APR |
60% LTV
|
As low as 8.000%
|
18.00%
|
70% LTV
|
As low as 8.500%
|
18.00%
|
80% LTV
|
As low as 9.000%
|
18.00%
|
85% LTV
|
As low as 10.00%
|
18.00%
|
90% LTV
|
As low as 11.50%
|
18.00%
|
95% LTV
|
As low as 12.750%
|
18.00%
|
*Rates vary upon loan to value and credit. Variable rates may change after
consummation. Owner occupied. HELOCs up to 95% LTV. Promotional introductory rate of 6.99%
available for a limited time only. Learn
more
Rates effective 10/01/2023
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*
|
9.99% APR*
|
10 Years
|
7.74% APR*
|
8.74% APR*
|
9.99% APR*
|
12 Years
|
7.99% APR*
|
8.99% APR*
|
10.24% APR*
|
15/6
|
7.99% APR*
|
8.99% APR*
|
10.24% APR*
|
20/6
|
8.24% APR*
|
9.24% APR*
|
10.49% 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 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.
Rates effective 10/01/2023
Term |
60% LTV |
70% LTV |
80% LTV |
5 years
|
5.49% APR*
|
5.74% APR*
|
5.99% APR*
|
7 years
|
5.74% APR*
|
5.99% APR*
|
6.24% APR*
|
10 years
|
6.24% APR*
|
6.49% APR*
|
6.74% APR*
|
12 years
|
6.49% APR*
|
6.74% APR*
|
6.99% 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.
Rates effective 10/01/2023
Terms |
Origination Fee |
APR |
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 6.875% APR and 30-year
term is $624.08. 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
Checking Account Fees
Fee Type |
Fee |
$25/item (max charges 5 per day) |
$15/request as of 6/1/14 |
$2/check |
$2/month |
Other Share Savings & Checking Account Fees
Miscellaneous Fees
Fee Type |
Fee |
$20/hour |
$1/check |
$10/transaction |
$4.95/transaction |
$15/item |
$15/item |
$15/occurrence |
$1.50/item |
$25/item |
$10/item |
$2/month |
Free |
$2/copy |
$1/sheet of 5 |
$10/transfer as of 6/1/14 |
$15/transfer as of 6/1/14 |
$35/transfer as of 6/1/14 |
$5/card |
$2.95/card |
$8.95/card ($2.95 Per additional card tied to the same limit) |
$2.95/reload |
$15/request
|
$25/per item as of 03/01/20
|
Cash Advance |
1.50% of each cash advance
|
Electronic Funds Transaction (EFT) Fees
Fee Type |
Fee |
$2/transaction |
Credit/Debit Card Foreign Transaction Fees
Fee Type |
Fee |
1.00% per transaction |
1.00% per transaction |
Basic Business Checking Account Fees
Fee Type |
Fee |
15¢ in excess of 200 (per month) |
.05%; after the first $10,000 per month |
Business Money Market Checking Account Fees
Fee Type |
Fee |
$10/month |
10¢ per transaction |
.03%; after the first $10,000 per month |
Other Business Account Fees
Fee Type |
Fee |
$3/item |
$2/month |