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 Card Manager is a mobile app that offers on-the-go convenience and better control over your
Managing life and finances can be complex, but UFirst Card Manager gives you the tools you need to keep
your spending transparent and your cards always under your control. With this free mobile app, you
can manage your card controls, set alerts, receive notifications, view transactions, and utilize other
helpful features all from the convenience of your phone or mobile device.
You can download the Card Manager app through our primary mobile banking app, UFirst CU. If you don't
already have the UFirst CU app, you can download using the below links.
Download the App
UFirst Card Manager Features
Turn your cards on or off, set transaction limits, or even decline certain transactions such as online,
international, or ATM. You can also use Card Controls to change or update your pin.
See your current account balance from anywhere, safely from your phone.
An easy but secure login method using facial and fingerprint recognition.
Have greater confidence in card safety while traveling and ensure your cards get approved when you're
away from home.
Customize notifications based on card activity.
Push to Mobile Wallets
Securely push your card credentials to Apple Pay Google Pay, Samsung Pay, LG, Garmin and Fitbit.
UFirst Credit Union values you. That's why we work so hard to protect your
security, your finances, your family and your future. For more information on the benefits of your
membership with UFirst, see our Member
Services page or visit any of our UFirst branches.
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.