Primary, Secondary,HSA & Christmas Club Savings
Rates effective 12/16/2024
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $999 | 0.05% | 0.05% |
| $1,000+ | 0.10% | 0.10% |
Rates
Credit Union 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
Dividends Checking
Rates effective 12/16/2024
| 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% |
Business Money Market Checking
Rates effective 12/16/2024
| 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% |
Business High-Yield Money Market
Rates effective 12/16/2024
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 0.75% | 0.75% |
| $5,000 - $9,999.99 | 0.99% | 1.00% |
| $10,000 - $24,999.99 | 1.24% | 1.25% |
| $25,000 - $49,999.99 | 1.98% | 2.00% |
| $50,000 - $99,999.99 | 2.27% | 2.30% |
| $100,000 - $149,999.99 | 2.76% | 2.80% |
| $150,000 - $499,999.99 | 3.25% | 3.30% |
| $500,000 - $999,999.99 | 3.92% | 4.00% |
| $1,000,000 + | 4.16% | 4.25% |
*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.
High Yield Money Market Accounts
Rates effective 12/16/2024
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 0.75% | 0.75% |
| $5,000 - $9,999.99 | 0.99% | 1.00% |
| $10,000 - $24,999.99 | 1.24% | 1.25% |
| $25,000 - $49,999.99 | 1.98% | 2.00% |
| $50,000 - $99,999.99 | 2.27% | 2.30% |
| $100,000 - $149,999.99 | 2.76% | 2.80% |
| $150,000 - $499,999.99 | 3.25% | 3.30% |
| $500,000 - $999,999.99 | 3.92% | 4.00% |
| $1,000,000 + | 4.16% | 4.25% |
*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.
IRA Accounts
IRA Share Certificates
Rates effective 12/16/2024
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.51% | 4.60% |
| 12 months | 4.41% | 4.50% |
| 18 months | 4.03% | 4.11% |
| 24 months | 3.98% | 4.05% |
| 30 months | 3.93% | 4.00% |
| 36 months | 3.88% | 3.95% |
| 48 months | 3.83% | 3.90% |
| 60 months | 3.78% | 3.85% |
*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 12/16/2024| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.41% | 4.50% |
| 12 months | 4.31% | 4.40% |
| 18 months | 3.93% | 4.00% |
| 24 months | 3.88% | 3.95% |
| 30 months | 3.83% | 3.90% |
| 36 months | 3.78% | 3.85% |
| 48 months | 3.74% | 3.80% |
| 60 months | 3.69% | 3.75% |
*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 12/16/2024
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $4999.99 | 0.75% | 0.75% |
| $5,000 - $9,999.99 | 0.99% | 1.00% |
| $10,000 - $24,999.99 | 1.24% | 1.25% |
| $25,000 - $49,999.99 | 1.49% | 1.50% |
| $50,000 - $99,999.99 | 2.08% | 2.10% |
| $100,000 - $149,999.99 | 2.32% | 2.35% |
| $150,000 - $499,999.99 | 2.57% | 2.60% |
| $500,000 + | 3.10% | 3.15% |
*APY=Annual Percentage Yield. Rates are subject to change at any time and without
notice. Fees may reduce earnings.
Certificate Accounts
Regular Share Certificates
Rates effective 12/16/2024
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.51% | 4.60% |
| 12 months | 4.41% | 4.50% |
| 18 months | 4.03% | 4.11% |
| 24 months | 3.98% | 4.05% |
| 30 months | 3.93% | 4.00% |
| 36 months | 3.88% | 3.95% |
| 48 months | 3.83% | 3.90% |
| 60 months | 3.78% | 3.85% |
*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 12/16/2024
| Term | Dividend Rate | APY* |
|---|---|---|
| 12 month Access | 4.12% | 4.20% |
*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.
**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 12/16/2024
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 4.41% | 4.50% |
| 12 months | 4.31% | 4.40% |
| 18 months | 3.93% | 4.00% |
| 24 months | 3.88% | 3.95% |
| 30 months | 3.83% | 3.90% |
| 36 months | 3.78% | 3.85% |
| 48 months | 3.74% | 3.80% |
| 60 months | 3.69% | 3.75% |
*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.
Prime Rate as of 12/01/24 is 7.75%
VISA Cards*
Rates effective 12/01/2024
| Card | Variable APR As Low As | APR As Low As |
|---|---|---|
| Visa Crimson Card | 12.49% | n/a |
| Visa Crimson Rewards Card | 12.99% | n/a |
| Visa Student Rewards Card | 17.99% | n/a |
| Visa Secure Card | 13.49% | 13.49% |
| 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
Auto Loans*
Rates effective 12/01/2024
| Term | Fixed APR |
|---|---|
| 66 months | As low as 5.89% |
| 75 months ($10,000 min.) |
As low as 6.14% |
| 84 months ($15,000 min.) |
As low as 6.89% |
*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 5.89% for $10,000 would result in a monthly payment of approximately $192.81. See current rates and terms.
Recreational Vehicle Loans*
Rates effective 12/01/2024
| Term | Fixed APR |
|---|---|
| Up to 84 months | As low as 8.89% |
| Up to 120 months | As low as 9.39% |
| Up to 144 months | As low as 9.64% |
| Up to 180 months with 10 year maturity date |
As low as 9.89% |
*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 9.39% for $20,000 would result in a monthly payment of approximately $257.80 and total interest charges of approximately $10,935.20
Personal Loans*
Rates effective 12/01/2024
| Amount | Term | Fixed APR |
|---|---|---|
| Under $2,000 | 24 months | As low as 12.74% |
| Under $2,000 | 36 months | As low as 12.99% |
| Under $5,000 | 48 months | As low as 13.24% |
| $5,000+ | 60 months | As low as 13.49% |
*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 13.49% APR and 60-month term is approximately $23.02 per $1,000 borrowed.
Miscellaneous Secured Loans*
Rates effective 12/01/2024
| Type | Term | Fixed APR |
|---|---|---|
| Shared Secured | 60 months | Rate of savings + 4.00% |
| Certificate Secured | 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.
Home Equity Line of Credit*
Rates effective 12/01/2024
| Loan to Value | Minimum Variable APR | Maximum Variable APR |
|---|---|---|
|
60% LTV |
As low as 7.250% |
18.00% |
|
70% LTV |
As low as 7.750% |
18.00% |
|
80% LTV |
As low as 8.250% |
18.00% |
|
85% LTV |
As low as 9.250% |
18.00% |
|
90% LTV |
As low as 10.75% |
18.00% |
|
95% LTV |
As low as 12.00% |
18.00% |
*Rates vary upon loan to value and credit. Variable rates may change after consummation. Owner occupied. HELOCs up to 95% LTV.
Home Equity - Second Mortgage*
Rates effective 12/01/2024
| Term | 80% LTV | 90% LTV | 95% LTV |
|---|---|---|---|
|
5 Years |
7.24% APR* |
8.24% APR* |
9.49% APR* |
|
7 Years |
7.49% APR* |
8.49% APR* |
9.74% APR* |
|
10 Years |
7.49% APR* |
8.49% APR* |
9.74% APR* |
|
12 Years |
7.74% APR* |
8.74% APR* |
9.99% APR* |
|
15/6 |
7.74% APR* |
8.74% APR* |
9.99% APR* |
|
20/6 |
7.99% APR* |
8.99% APR* |
10.24% APR* |
*Loans subject to credit approval. See current rates and terms. 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 7.49% APR and 10-year term is $949.20. 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.
No-Fee First Mortgage*
Rates effective 12/01/2024
| Term | 60% LTV | 70% LTV | 80% LTV |
|---|---|---|---|
|
5 years |
4.99% APR* |
5.24% APR* |
5.49% APR* |
|
7 years |
5.24% APR* |
5.49% APR* |
5.74% APR* |
|
10 years |
5.49% APR* |
5.74% APR* |
5.99% APR* |
|
12 years |
5.99% APR* |
6.24% APR* |
6.49% 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 5.74% APR and 7-year term is $1,158.74. 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.
Conventional Mortgage Loans*
Rates effective 12/01/2024
| Terms | Origination Fee | APR |
|---|---|---|
| 10, 15, 20, 30 Year | Yes** | Up to 95% LTV Loan to values over 80% require mortgage insurance |
*Loans are subject to credit approval and actual terms will depend on credit worthiness and equity position. Owner occupied, primary residence only. For example, a $500,000 sales price approved at 97% of value would require a down payment of $15,000. The minimum payment for a $485,000 loan at a 7.00% Rate (7.511% APR) for a 30-year term is $3,226.72. This payment example does not include taxes or insurance. Your actual payment may be higher. Consult a tax advisor regarding the tax deductibility of interest. Homeowner’s insurance will be verified. 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. Some fees may apply that can range from $10.00 to $8,000. Membership is required and a minimum balance of $10 in primary savings must be maintained. Other restrictions may apply.
** 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
| Fee Type | Fee |
|---|---|
| Closing Fee (Only if account is closed within 180 days of opening) |
$10 |
Checking Account Fees
| 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 |
| Paper Statement Fee | $2/month |
Miscellaneous Fees
| 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 |
Electronic Funds Transaction (EFT) Fees
| Fee Type | Fee |
|---|---|
| ATM Transaction Fee (At ATMs not participating in the CO-OP Network) |
$2/transaction |
Credit/Debit Card Foreign Transaction Fees
| 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 |
Basic Business Checking Account Fees
| 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 |
Business Money Market Checking Account Fees
| 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 |
Other Business Account Fees
| Fee Type | Fee |
|---|---|
| Returned Deposit Fee | $3/item |
| Printed Statement Option | $2/month |