University First Federal Credit Union
Headquarters
Po Box 58025
Salt Lake City, UT 84158
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2024 Overview
General Credit Union Information
University First is an NCUA insured institution located in Salt Lake City, UT. It was founded in 1956 and has approximately $1954.52 millions in assets.
Who can join?
In order to become a member of the University Credit Union, at the time of application you must meet one of the following requirements:
Live, work, attend school, worship, or volunteer in Salt Lake County
Immediate family member* of an existing or eligible member
Employee of the University Credit Union
*Immediate family member is defined as spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24710 |
| Date Established | 1956 |
| Assets | $1,954.52 million |
| Loans | $1,617.33 million |
| Deposits | $1,694.14 million |
| Capital | $193.47 million |
Field of Membership Restrictions
Membership in University First Federal Credit Union is open to those who live, work, attend school, worship, or volunteer in Salt Lake County and their family members.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.35% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for University First
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1429043 License#: RM.804500.000 |
6.391% | 6.250% | 0.50 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 2890 License#: MBMB.850089.000 |
6.618% | 6.500% | 0.88 | $3,949 | $2,023 | Learn More |
NMLS ID: 401822 |
6.692% | 6.500% | 1.00 | $6,400 | $2,023 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to University First
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are University First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
University First Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1528.41 | A | View Lobby Hours | |
| 1528.96 | B | View Lobby Hours | |
| 1529.00 | C | View Lobby Hours | |
| 1529.36 | D | View Lobby Hours | |
| 1529.38 | E | View Lobby Hours | |
| 1529.49 | F | View Lobby Hours | |
| 1529.93 | G | View Lobby Hours | |
| 1529.98 | H | View Lobby Hours | |
| 1530.28 | I | View Lobby Hours | |
| 1530.58 | J | View Lobby Hours | |
| 1531.55 | K | View Lobby Hours | |
| 1532.06 | L | View Lobby Hours | |
| 1532.50 | M | View Lobby Hours | |
| 1534.45 | N | View Lobby Hours | |
| 1534.47 | O | View Lobby Hours | |
| 1534.73 | P | View Lobby Hours | |
| 1536.41 | Q | View Lobby Hours |
Climate Policy and Initiatives
UNIVERSITY FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
University First Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of University First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| University First | U.S. Average |
|---|---|
| 8.96% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, University First had $16,213,906 in non-current loans and $1,741,198 in owned assets. To cover these potential losses it had $193,472,932 in net worth and $6,852,127 in loans loss reserves. That gives it a Texas Ratio of 8.96%.
Net Worth
| University First | U.S. Average |
|---|---|
| 9.88% | 13.93% |
University First FCU has a net worth of 9.88% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for University First
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