Blog - Utah First Credit Union

2025 raddon award with text - 12 years in a row!

Jun 16, 2026 / News

Utah First Wins 12th Crystal Performance Award

Utah First Credit Union is proud to announce that we’ve received the Crystal Performance Award for the 12th consecutive year. Presented by Raddon, this award recognizes only the top 2–3% of credit unions nationwide. These are institutions that demonstrate consistent excellence in growth, income, efficiency, sales, and member relationships. Twelve years in a row. It’s…

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…

Illustration of coin dropping into a house like a piggy bank

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…

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…

May 12, 2026 / Uncategorized

The 2026 Utah First Amp Concert Season

Concert Season Is Here and It’s One for the Books Summer is almost here, and so is another epic season of live music at the Utah First Credit Union Amphitheatre! Whether you’ve been coming to the Amp for years or you’re finally making it your…

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…

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…

Illustration of man and woman with credit score meter

Apr 20, 2026 / Credit

What’s a Good Credit Score Goal 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 —…

Woman with illustration comparing HELOCs with home refinancing

Apr 15, 2026 / Home Equity

Refinance vs. HELOC: Which Is Better for Home Improvements?

Thinking about upgrading your kitchen, adding a home office, or finally tackling that backyard makeover? Home improvements are exciting, but figuring out how to pay for them can feel a little less fun. The good news is that if you’ve built equity in your home, you already have options!…

Apr 10, 2026 / Home Equity

How Does a HELOC Work?

You’ve probably heard all about a home equity line of credit (HELOC). It’s a revolving line of credit that lets you use as much or as little of your available HELOC funds as you want, for whatever you want, whenever you need it. It’s a…