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Utah First

200 E South Temple, Salt Lake City, UT 84111
NCUA Insured4.9 (2,289 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

200 E South Temple

Salt Lake City, UT 84111

Service Area

This credit union is located in Salt Lake City and serves members in the UT area. Currently serving 44,697 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.49%

Used Auto Loan

5.49%

Personal Loan

13.75%

Credit Card APR

11.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in UT

Lowest rates currently reported by credit unions in UT (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(11 total)

Member Reviews

4.9

2,289 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Christian Brown

Christian Brown

4 months ago

I am very impressed with Utah First and Fin, super great team and incredible service.I cannot say enough great things about Sarah at Utah First Credit Union. She truly went to bat for me and secured an incredible loan that exceeded my expectations. From start to finish, the experience was seamless and impressive. Sarah was extremely responsive, knowledgeable, and efficient. She had my loan approved within one hour, which is almost unheard of. Her communication was clear, her follow-through was flawless, and it was obvious she genuinely cared about getting me the best possible outcome. Because of Sarah and this experience, I am completely sold on Utah First Credit Union and will absolutely continue doing business with them moving forward. If you’re looking for a banker who delivers results and advocates for you, Sarah is the one.

Nate Reid

Nate Reid

3 months ago

Amy and Kyle made this an incredibly easy process. They were both very knowledgeable and quick to answer anything I had questions for. Amy took care of all the loan paperwork and processing. She was able to help me get both of our cars refinanced from a crazy rate to a much more reasonable one. They are saving us close to $500 a month. Kyle is in American Fork and I would recommend going to him for any questions. He was great to work with. Hats off to the team.

TOWgal

TOWgal

3 months ago

I love Utah First Credit Union because I always get the help I need. Whether it is online or inside the credit union there is always someone who can help me. The bankers are professional and extremely friendly. I’ve dealt with settling an estate and now probate so I’ve had banking questions more than most. Every employee has been superior to work with and focused on their work. I really appreciate the qualified staff they hire and the training they do to produce competent personnel. I highly recommend Utah First Credit Union and feel confident you will have a wonderful experience banking with them too.

Itula Elia Elliott Tupea

Itula Elia Elliott Tupea

3 months ago

Hands down the best credit union in Utah! As a 19-year-old buying my first car, I was nervous about the process, but the team here made it seamless. The service is a 10/10 and the staff is incredibly genuine. A special thanks to Amy—she was amazing at explaining the application process and the loan terms so I felt completely confident. Highly recommend!

K. Siueli Tolutau

K. Siueli Tolutau

3 months ago

Sariah Scott who is the lead at the SL branch downtown was the absolute best! I called in and opened a bank account over the phone. She made the process easy! All I had to do was go in and grab my cards at the branch, so freaking cool! I get nervous talking about finances and she definitely made me feel comfortable. I want to build my credit so she also helped me qualify for a credit card. I’m excited to start my journey with Utah First! THANK YOU SARIAH!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).