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90-Day No-Payment
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utah's lowest heloc

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Score 5.15% on a home equity loan!

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Where Every Feature is Standard

Dividends, loan discounts, rewards and more!

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Put a little extra jingle back in your seasonal budget!

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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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Nov 25, 2025 / Home Equity

5 Ways to Utilize Your HELOC for the Holidays

We’ve all got ghosts of Christmases past, like the year the oven died mid-turkey, the travel plans maxed out your card, or the kitchen was one countertop short of functional. And when your budget is stretched thinner than the last piece of pie, it’s no wonder holiday festivities can feel…
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Nov 12, 2025 / Mortgages

Your Totally Doable Guide to First-Time Homebuying in Utah

Dreaming of homeownership but aren’t sure where to start? Totally understandable. Buying your first home can feel like learning a new language. Thankfully, you don’t need to be an expert in finance to buy your first house. You just need the right partner (hey — that’s us!) to guide you through it!  At Utah First, we’re fluent in mortgage-speak,…
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Nov 05, 2025 / Home Equity

4 Cozy Season HVAC Wins to Fund With Your HELOC

Every fall, we pull out the sweaters, swap the cold brews for warm lattes, and refresh our homes with plaid pillows, blankets, and pumpkin spice candles to maximize the cozy vibes. But the most valuable fall refresh goes beyond aesthetics to get your house ready for dropping temps. True winter…
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