Blog - Utah First Credit Union

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 refi isn’t the right move…

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 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…

Mar 30, 2026 / Home Equity

Six HELOC-Worthy Outdoor Upgrades for Spring

Spring has sprung early this year! The temps are gorgeous, the days are getting longer, and somewhere between that bare patch of lawn and the grill, there’s a vision of the outdoor space you’ve been putting off for years. Thankfully, if you’ve got a Utah…

Mar 19, 2026 / Credit

How Credit Card Interest Actually Works

Credit cards are incredibly convenient. They help you manage cash flow, handle emergencies, and even earn rewards. But there’s one part that often feels confusing: interest. If you’ve ever wondered why balances seem to grow faster than expected, you’re not alone. The good news is…

Mar 06, 2026 / Local Utah

Save More than Daylight

Spring forward this Sunday! Daylight Savings has a bad reputation. Springing forward means an hour of sleep lost, but we like looking on the bright side. So grab a quick nap and get ready to enjoy that extra hour of evening sun. Here are a…

woman being showered with money thanks to a heloc

Mar 04, 2026 / Home Equity

5 Ways to Stretch Your Tax Refund With a HELOC

There’s something elite-feeling about a tax refund hitting your account. What could be more exciting than money coming back to you in one satisfying lump sum? But instead of thinking of your refund as spending cash this year, think of it as strategic money! On its own, your…

Feb 26, 2026 / Uncategorized

Consolidation Strategies for Cleaning Up Your Debt Like a Champ

When you urgently need a replacement fridge, medical procedure, or car repair, paying the full amount upfront might not be in the cards. We all know real life isn’t always pay-in-full friendly. That’s why credit exists — to bridge the gap between life happening and your paycheck catching up without…