The Boutique
Side of Banking.

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The Boutique
Side of Banking.

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Stay Driven
With Triple Points

Gas purchases earn 3x rewards points.

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0% APR credit card

Stay Confident
At 0% APR

Say yes to six months of zero interest.

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Stay Inspired
As Low as 4.99%

A HELOC that grows with your life.

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Judgment-Free Financial Services

At Utah First Credit Union, we never judge! Whether you’re way ahead of the financial curve or trying to find the path, we want to hear your story and help with your goals. When the big banks say “no,” our friendly financial experts strive to say “Yes!” We prioritize people over profits, and always put Utah First!

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Jun 15, 2026 / Credit

How Long Does It Take to Rebuild Credit?

When life throws expensive little surprises your way, your credit might need some extra love later on. Maybe you had to pivot during a tough season, cover unexpected costs, or focus on getting through a lot all at once. Sound like your situation? Don’t sweat it!  At Utah First, financial…
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Jun 08, 2026 / Home Equity

Turn Your Home Equity Into Opportunity With a Cash-Out Refinance

Your home does a lot more than give you a cozy place to land at the end of the day. As you pay down your mortgage and your home grows in value, you build equity that can help fund your next goals.  Cash-out refinancing is one way to turn that…
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Woman with thought bubble showing options for using a HELOC

May 20, 2026 / Home Equity

Smart and Creative Ways to Use a HELOC

When you hear the term Home Equity Line of Credit (HELOC), you probably think about home improvement projects. And while using a HELOC to upgrade your home is certainly one of the most common—and smartest—uses, it’s far from the only option. A HELOC is one of the most flexible ways…
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