Money Tips Archives - Utah First Credit Union

Mar 19, 2026 / Credit

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 that credit card interest isn’t magic, it’s math. Once you…

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 19, 2026 / Money Tips

To Refi or Not to Refi? 6 Mortgage Questions to Ask Yourself

If you’re a Utah homeowner, you’ve probably asked yourself at some point, “When is the right time to refinance my home?” Totally fair question, and the answer is different for everyone. Refinancing can be a super savvy move when it fits your life, goals, and timing. Whether you’re looking to lower your monthly payment,…

Feb 03, 2026 / Home Equity

5 Retreat-Level Home Upgrades to Help You Romanticize Everyday Life

We’re not here to trash-talk flowers. They’re pretty, thoughtful, and they say, “I was thinking of you.” But they don’t last long, and chocolate disappears even faster. If you’re looking for a Valentine’s Day gift that lasts and improves your daily life together, what if…

Nov 02, 2025 / Money Tips

Time to Fall Back & Get Ahead!

Daylight Saving Time is clocking out for the year. This morning, our clocks all fell back an hour, giving you 60 bonus minutes today to prep for guilt-free winter hibernation. Knock out some easy wins, then get cozy knowing you’ve got life handled! A few…

Jun 23, 2025 / Money Tips

Life Happens. We’ve Got Your Back With Courtesy Pay.

We Planned for Your “Whoops!” Moments We’ve all had that day. The one when your rent comes due, your skincare subscription ships, the dog needs grooming, and that 30-day free trial suddenly isn’t. All at once. Being a functioning human in 2025 means juggling…

Jun 11, 2025 / Money Tips

Earn Dividends With a Personal Checking Account Built for Better Banking Relationships!

There are two kinds of checking accounts in this world. One holds your money, and that’s about it. The other sweetens the deal with dividends as a thanks for using it. Can you guess which one we offer? At Utah First, we don’t just hand…

Apr 23, 2025 / Money Tips

5 Spring Cleaning Tips for Your Finances!

You’ve scrubbed the baseboards, cleared out your closet, and finally tossed that mystery container in the back of the fridge (brave of you). But what about your finances? They deserve a little seasonal TLC, too, and spring is the perfect time for a financial cleanup!…

protect what matters text over illustration of browser window

Mar 26, 2025 / Money Tips

Protect What Matters (Without Overthinking It)

Fraud doesn’t wait. And honestly, neither should you. The good news? Staying protected doesn’t mean becoming a cybersecurity expert or living in constant paranoia. It just means building a few solid habits into how you already manage your money. Think of it like locking your…

graphic image with text saying "7 ways to have your fees waived"

Nov 08, 2024 / Money Tips

7 Ways to Waive Your Checking Account Fees at Utah First Credit Union

Are you tired of pesky checking account fees eating away at your hard-earned cash? Look no further than Utah First Credit Union, where we’ve got the secret sauce for scoring waived fees for your checking account–it’s easier than you might think. Forget about jumping through…