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.
A routing number on a check is a 9-digit number that identifies where your account was opened. Oftentimes, you
will be asked for a routing number on a check when you are making an online payment or a payment by phone. A
routing number can also be referred to as an RTN. The routing number proves whether or not a bank is a
federal-or state-chartered institution and that it maintains an account with the Federal Reserve.
An account number on a check is like a customer ID or a fingerprint that is assigned to every account holder.
Account numbers are used to identify your individual account. Your account number is unique to only you, so
guard it like you would guard your social security number or debit card pin.
How to find the Routing
UFirst Credit Union's routing and transit number is 324079416. The 9-digit routing number can also be found on the
lower left corner of your check (refer to illustration).
How To Find The Account Number?
Each account number is different for every single account holder. Usually, the account number on a check will be found
next to the routing number, as shown below in the illustration.
You can find your account
number by looking on your Member Account Card, visiting one of our
branches, or reviewing the set of numbers located directly to the right of the routing number on your checks.
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.