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
Rates effective 05/01/2022
| 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 05/17/2022
| Balance |
Dividend Rate |
APY* |
| 0.05% |
0.05% |
| 0.10% |
0.10% |
| 0.15% |
0.15% |
| 0.20% |
0.20% |
| 0.25% |
0.25% |
| 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.
Rates effective 05/17/2022
| Balance |
Dividend Rate |
APY* |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.25% |
0.25% |
| 0.30% |
0.30% |
| 0.30% |
0.30% |
*APY=Annual Percentage Yield. Rates are variable and may change after the
account is opened. Fees may reduce earnings.
Rates effective 05/17/2022
| Balance |
Dividend Rate |
APY* |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.25% |
0.25% |
| 0.30% |
0.30% |
| 0.35% |
0.35% |
| 0.40% |
0.40% |
*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.
Rates effective 05/17/2022
| Balance |
Dividend Rate |
APY* |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.25% |
0.25% |
| 0.30% |
0.30% |
| 0.30% |
0.30% |
| 0.40% |
0.40% |
| 0.50% |
0.50% |
*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.
Rates effective 05/17/2022
| Balance |
Dividend Rate |
APY* |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.75% |
0.75% |
*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Must
have a minimum of $20,000 New Money to open a Prime Money Market Account. Fixed floor rate of 0.30% APR
for share balance of $20,000 or more. For share balances under $20,000, regular money market rates &
APY apply.
IRA Share Certificates
Rates effective 05/23/2022
| Term |
Dividend Rate |
APY* |
| 0.35% |
0.35% |
| 0.50% |
0.50% |
| 0.55% |
0.55% |
| 0.65% |
0.65% |
| 0.70% |
0.70% |
| 0.75% |
0.75% |
| 1.00% |
1.00% |
| 1.10% |
1.11% |
*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 05/23/2022
| Term |
Dividend Rate |
APY* |
| 0.25% |
0.25% |
| 0.40% |
0.40% |
| 0.45% |
0.45% |
| 0.55% |
0.55% |
| 0.60% |
0.60% |
| 0.65% |
0.65% |
| 0.90% |
0.90% |
| 1.00% |
1.00% |
*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 05/17/2022
| Balance |
Dividend Rate |
APY* |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.20% |
0.20% |
| 0.25% |
0.25% |
| 0.30% |
0.30% |
| 0.35% |
0.35% |
| 0.40% |
0.40% |
*APY=Annual Percentage Yield. Rates are subject to change at any time and without
notice. Fees may reduce earnings.
Regular Share Certificates
Rates effective 05/23/2022
| Term |
Dividend Rate |
APY* |
| 0.35% |
0.35% |
| 0.50% |
0.50% |
| 0.55% |
0.55% |
| 0.65% |
0.65% |
| 1.93% |
1.95% |
| 0.75% |
0.75% |
| 1.00% |
1.00% |
| 1.10% |
1.11% |
*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 05/23/2022
| Term |
Dividend Rate |
APY* |
| 0.35% |
0.35% |
*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 05/23/2022
| Term |
Dividend Rate |
APY* |
| 0.25% |
0.25% |
| 0.40% |
0.40% |
| 0.45% |
0.45% |
| 0.55% |
0.55% |
| 0.60% |
0.60% |
| 0.65% |
0.65% |
| 0.90% |
0.90% |
| 1.00% |
1.00% |
*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 05/23/2022
| Term |
Dividend Rate |
APY* |
| 0.25% |
0.25% |
| 0.30% |
0.30% |
| 0.45% |
0.45% |
| 0.50% |
0.50% |
| 0.60% |
0.60% |
| 0.65% |
0.65% |
| 0.70% |
0.70% |
| 0.95% |
0.95% |
| 1.05% |
1.06% |
*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
Rates effective as of 05/01/2022.
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 March 01,
2022 is 3.5%
Rates effective 05/01/2022
| Card |
Variable APR As Low As |
APR As Low As |
| 8.24% |
n/a |
| 8.74% |
n/a |
| 15.24% |
n/a |
| n/a |
12.99% |
| 10.24% |
n/a |
*Cash Advance - 1.50% of each cash advance up to $50. Foreign Transaction - .80% of
each foreign currency transaction in U.S. dollars, or 1.00% of each U.S. dollar transaction that occurs in
a foreign country.
Rates effective 05/17/2022
| Term |
Fixed APR |
| As low as 2.99% |
| As low as 3.24% |
| As low as 3.99% |
*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 2.99% for $10,000 would result in a monthly payment of
approximately $179.67. See current rates and terms.
Rates effective 05/17/2022
| Term |
Fixed APR |
| As low as 4.99% |
| As low as 5.49% |
| As low as 5.74% |
| As low as 5.99% |
*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 5.49% for $20,000 would result in a monthly payment of
approximately $217.02 and total interest charges of $6,042.25.
Rates effective 05/01/2022
| Amount |
Term |
Fixed APR |
| 24 months |
As low as 9.24% |
| 36 months |
As low as 9.49% |
| 48 months |
As low as 9.74% |
| 60 months |
As low as 9.99% |
*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 9.99% APR and 60-month
term is approximately $21.25 per $1,000 borrowed.
Rates effective 05/01/2022
| Type |
Term |
Fixed APR |
| 60 months |
Rate of savings + 3.00% |
| 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.
Rates effective 05/01/2022
| Loan to Value |
Minimum Variable APR |
Maximum Variable APR |
| As low as 3.74% |
18.00% |
| As low as 3.74% |
18.00% |
| As low as 4.00% |
18.00% |
| As low as 6.50% |
18.00% |
| As low as 7.75% |
18.00% |
*Rates vary upon loan to value and credit. Variable rates may change after
consummation. Owner occupied. Promotional introductory rate of 1.74% available through July 31, 2022.
HELOCs up to 95% LTV.
Rates effective 05/01/2022
| Term |
80% LTV |
90% LTV |
95% LTV |
| 4.74% APR* |
5.74% APR* |
6.99% APR* |
| 4.99% APR* |
5.99% APR* |
7.24% APR* |
| 5.49% APR* |
6.49% APR* |
7.74% APR* |
*Loans subject to credit approval. See current rates and terms. Home equity 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 5.49% APR and 10-year
term is $867.82. The minimum payment for a $80,000 loan with a 4.74% APR and a 5-year term is $1,500.19.
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 05/01/2022
| Term |
60% LTV |
70% LTV |
80% LTV |
| 3.24% APR* |
3.49% APR* |
3.74% APR* |
| 3.74% APR* |
3.74% APR* |
3.99% APR* |
| 3.99% APR* |
3.99% APR* |
4.24% APR* |
| 4.49% APR* |
4.49% APR* |
4.74% 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 3.99%
APR and 12-year term is $700.03. The minimum payment for a $80,000 loan with a 3.74% APR and 5-year term
is $1,463.96. 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 05/01/2022
| 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 3.875% APR and 30-year
term is $446.73. 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 |
$15/request
as of 6/1/14 |
| $2/check |
| $7/month |
| $5/month |
| $2/month |
Other Share Savings & Checking Account Fees
Miscellaneous Fees
| Fee Type |
Fee |
| $20/hour |
| $1/check |
| $10/transaction |
| $5/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
as of 6/1/14 |
$25/per item
as of 03/01/20 |
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 Account Fees
| Fee Type |
Fee |
| 15¢ in excess of 200 (per month) |
| .05%; after the first $10,000 per month |
Business Money Market 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 |
Shared Branches