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iAdvertiser Disclosure
Advertiser Disclosure
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 Utah First Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Utah First Federal Credit Union's savings rates are at 0.05%. Utah First Federal Credit Union's money market rates are at 0.50%. Utah First Federal Credit Union's Conventional rates are at 4.75%, FHA rates are at 4.62%, Conventional rates are at 4.99%, 5/1 Adjustable rates are at 5.38%, FHA rates are at 5.25%. Utah First Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Utah First Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Rates were last updated on 04/17/2026. Utah First Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Utah First Federal Credit Union? Share your experience about Utah First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Utah First Federal Credit Union. Utah First Federal Credit Union
Salt Lake City Branch 200 E South Temple
https://www.utahfirst.com Salt Lake City, UT 84111 
Utah First Federal Credit Union Savings Rates
Utah First Federal Credit Union Money Market Rates
Utah First Federal Credit Union Checking Rates
Utah First Federal Credit Union Mortgage Rates
Utah First Federal Credit Union Home Equity & HELOC
Utah First Federal Credit Union Auto Loan Rates
Utah First Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Utah First Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Utah First Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Utah First Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Utah First Federal Credit Union
Website
https://www.utahfirst.com
Address
200 E South Temple,
Salt Lake City, UT 84111
Phone
801-320-2600
Fax
801-320-2663
President
Dave Pendleton
CEO
Darin Moody
Full-Time Employees
138
Part-Time Employees
16
Branch Locations
11
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.03%
Return on Assets (ROA)
0.7142%
Return on Equity (ROE)
7.2279%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
1,134,830,796
Total Amount of Shares and Deposits
901,800,246
Total Shares and Deposits < 1 Year
663,917,052
Total Shares and Deposits 1 3 Years
211,875,496
Total Shares and Deposits > 3 Years
26,007,698
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
127,699,816
Total Uninsured Shares and Deposits > $250K (F+J)
127,699,816
Total Insured Shares and Deposits > $250K (item 17 less item K)
774,100,430
Total Interest Expense (Sum of items 6 8)
21,945,847
Share Certificates
3,914
Number of Accounts for Share Drafts
30,917
IRA KEOGH Accounts
1,033
Number of Accounts for Regular Shares
52,992
Non Member Deposits
164
Money Market Shares
2,830
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
114,701,033
Total Liabilities
1,022,700,477
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Utah First Federal Credit UnionIs Utah First Federal Credit Union a safe place to deposit money?Yes, Utah First Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.0295670433257%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Utah First Federal Credit Union operate?Utah First Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Utah First Federal Credit Union?Yes, to access services at Utah First Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Utah First Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Utah First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Utah First Federal Credit Union offer online and mobile banking?Most modern institutions like Utah First Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.utahfirst.com. Current Utah First Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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