The Boutique
Side of Banking.

Learn More
Mobile Hero Promotion

The Boutique
Side of Banking.

Learn More

Stay Driven
As Low as 4.99%

Auto loans for your life, not your limits.

Learn More
0% APR credit card

Stay Confident
At 0% APR

Say yes to six months of zero interest.

Learn More

Stay Inspired
As low as 4.99%

A HELOC that grows with your life.

Learn More

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!

Decorative Garnish
Couple in front of illustrated home considering refinancing

May 04, 2026 / Mortgages

Should You Refinance to a 15-Year Mortgage?

What would you do with an extra $200,000? For many homeowners, that’s roughly what’s on the table when they refinance from a 30-year mortgage to a 15-year mortgage — not as a check in the mail, but as interest they never have to pay in the first place. A 15-year…
Read More
Illustration of a house in a tropical environment

Apr 28, 2026 / Home Equity

4 HELOC-Powered Resort Makeover Ideas for Your Backyard

Vacations are always over too soon. After a week, you’ve got a great tan and fun photos, then it’s back to real life. But what if you could slip into vacation mode anytime with the perfect retreat in your own backyard? When your outdoor space is designed like a getaway, you don’t have to go anywhere to feel like…
Read More
Illustration of man and woman with credit score meter

Apr 20, 2026 / Credit

What’s a Good Credit Score for My Age?

A real-talk guide to credit for every stage of life “Is my credit score good for my age?” It’s a super common financial question that rarely gets a straightforward answer. Credit scores aren’t graded on a curve by age, but age does bring experience — and experience tends to shape…
Read More