Utah First Credit Union American Fork UT | Best Auto Loans & Business Banking

Introduction

At Utah First, we believe in building strong financial futures for our community. Since opening our doors in 1935, we have been dedicated to providing exceptional service and support to our valued members in American Fork, UT. Located at 616 W Main St, American Fork, UT 84003, our branch is a trusted partner in your financial journey. With over 40,250 members and assets totaling an impressive $1,033,860,530, we're committed to helping you achieve your goals through personalized banking solutions. Our range of services includes everything from checking and savings accounts to auto loans and business banking options. As of now, we've disbursed a total of 22,692 loans and leases, ensuring that our members have access to the funds they need when they need them. Our leadership team, led by CEO Darin Moody and Board President Dave Pendleton, is passionate about fostering a culture of community engagement and member satisfaction. We pride ourselves on being more than just a credit union; we are your neighbors invested in your success. In addition to our robust financial offerings, we also maintain a solid net worth of $100,851,166 and keep $4,538,888 in cash on hand to ensure liquidity for our members' needs. Whether you're looking for a straightforward loan or want to open an account with us, we're here to help every step of the way. While members can visit us at 616 W Main St, official correspondence should be sent to our mailing address: 616 West Main Street, American Fork, UT 84003. We invite you to explore all that Utah First has to offer by visiting our website at utahfirst.com or calling us at 801-320-2600. Join us today and experience how we can make a positive impact on your financial life!

Branch History & Mission

Welcome to Utah First, where our story began in 1935 in the heart of American Fork, UT. Our branch has grown and evolved over the decades, becoming a cornerstone of financial support for our community. Located at 616 W Main St, we are proud to serve not just our members but also the entire community with dedication and compassion. From our humble beginnings, Utah First has developed into a trusted credit union with over 40,000 members and total assets exceeding $1 billion. This growth is not merely a number; it reflects the relationships we've built and the trust we've earned through years of service. Our mission is simple yet powerful: to provide exceptional financial services while supporting our members' dreams and aspirations. We believe that everyone deserves access to quality financial products, which is why we offer a range of services from personal banking and auto loans to business financing. At Utah First, we strive to ensure that our operations meet the highest standards. We are fully ADA compliant, ensuring that all members can access our services comfortably. Our commitment extends beyond just banking; we actively engage in community outreach programs and partnerships that uplift those around us. Whether it's financial education workshops or local sponsorships, we seek to make a difference right here in American Fork. While you can visit us at our branch on Main Street, please note that official correspondence should be sent to our mailing address at 616 West Main Street, American Fork, UT 84003. We're here for you Monday through Friday from 9:00 AM to 5:30 PM, with extended drive-thru hours until 8:00 PM for your convenience. We also understand the importance of technology in today's world. That's why we offer online banking options, mobile applications, and various ATM services to ensure you can manage your finances easily and efficiently. At Utah First, we're more than just a credit union; we're a part of this community's fabric. Join us today and discover how we can help you achieve your financial goals while contributing positively to American Fork. Experience the difference at Utah First where your success is our mission! For more information or to become a member, feel free to reach out to us at 801-320-2600 or visit us online at utahfirst.com.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is equipped with ramps and ADA-compliant features to ensure everyone can visit us comfortably. Parking is available right outside the entrance, making it convenient for you to drop by anytime.

Operating Hours

Our lobby is open Monday through Friday from 9:00 am to 5:30 pm, and we also offer drive-up hours from 8:00 am to 8:00 pm on weekdays. On Saturdays, we are open from 9:00 am to 1:00 pm for your banking needs. Whether you prefer visiting us during the week or on the weekend, we're here to serve you!

Services Offered

At Utah First, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our drive-thru service allows for quick deposits and withdrawals without needing to leave your vehicle. Plus, if you're a member of another participating credit union, our shared service center makes it easy for you to access your funds as well. If you have any questions or need assistance while visiting us at our American Fork location, don't hesitate to reach out! You can call us at 801-320-2600. We invite you to come in and discover how Utah First can support your financial journey today!

Member Eligibility

At Utah First, we believe that becoming a member is like joining a warm, welcoming family where your financial well-being is our top priority. If you're interested in joining us at our branch located at 616 W Main St American Fork Ut 84003, you'll be pleased to know that eligibility is accessible for many! Generally, anyone who lives, works, or worships in the community is encouraged to become a member. We aim to make membership inclusive and beneficial for everyone. To get started on your journey with us, you can find more details about the eligibility criteria by visiting this page. If you have any questions or need assistance, feel free to reach out at (801) 320-2600. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Comprehensive Merchant Services

Alongside our loan offerings, we provide robust merchant services that simplify payment processing for your business. Imagine having the ability to accept payments seamlessly from customers whether it's through card transactions or mobile payments. Our services help streamline operations so you can focus more on what matters most: growing your business. Located at 616 W Main St American Fork Ut 84003 in American Fork, UT, our team is here to help you navigate the financial landscape and unlock new opportunities for success. Reach out today at (801) 320-2600 to learn how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $411 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $277,289,280, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

For basic transactions like deposits and withdrawals, our drive-thru banking service makes it easy for those on the go. Plus, if you're a member of another participating credit union, you can perform shared branch transactions right here at Utah First. If you're interested in learning more about any of these services or want personalized assistance, feel free to reach out! Call us at 801-320-2600 during lobby hours Monday through Friday from 9:00 am to 5:30 pm, or visit us during our drive-up hours from 8:00 am to 8:00 pm on weekdays and 9:00 am to 1:00 pm on Saturdays. We look forward to helping you achieve your financial dreams at Utah First! For more information about membership and our offerings, visit us online at utahfirst.com.

Business Banking Solutions

We also cater to local businesses with comprehensive banking solutions. Our merchant services make transactions smooth and efficient, while business loans provide the necessary funding for growth. Whether you're starting a new venture or expanding an existing one, we're here to assist.

Credit Cards and Rewards

At Utah First, we believe in rewarding our members. Our credit cards come with rewards programs that let you earn points on everyday purchases. Picture this: using your card for groceries or gas and earning rewards that can go toward travel or merchandise it's a win-win!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking services that allow you to manage your finances from anywhere. Need to check your balance or transfer money? It's all just a few clicks away! You can even utilize our ATM services for quick cash withdrawals without stepping into the branch.

Personal Banking Services

Our personal banking services include checking and savings accounts designed to help you reach your financial goals. Imagine having easy access to your funds while earning interest our accounts do just that! If you're considering a new vehicle, our auto loans and vehicle financing options make purchasing your dream car more attainable than ever. For those looking to buy a home, we offer mortgage loans and refinancing solutions tailored to fit your budget. We also understand that life can bring unexpected expenses, which is why our personal loans and debt consolidation services provide flexible options to ease your financial burden.

Digital & Online Banking

Accessibility & Support

With 24/7 online banking services, you'll never have to worry about being unable to access your account when you need it most. Whether it's early in the morning or late at night, we're here for you around the clock. Our commitment to accessibility means that managing your money has never been easier or more straightforward. Discover the ease of digital banking with us today! Visit https://utahfirst.com/ to learn more about how we can help simplify your financial life while keeping it secure and accessible.

Key Features

Our online banking also supports person-to-person transfers, so sending money to friends or family is quick and hassle-free. You can even opt for e-statements, which not only help you keep track of your transactions but also reduce paper clutter a win for both you and the environment. Security is a top priority at Utah First. While we currently do not support electronic signature authorization, our systems are designed to keep your information safe while providing ease of access. You can trust that your personal data is protected when using our services.

Financial Strength

At Utah First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength positions us as a reliable partner in your financial journey. With a net worth of $100,851,166, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $975 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $230,510,924 in share certificates and $185,292,802 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $104,001,999, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $100,036,323 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $9,492 in used auto loans and $832,851,087 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 130 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 79,014, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Utah First is your trusted partner. Visit us at 616 W Main St American Fork Ut 84003 or call (801) 320-2600 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $150,792,006 in used vehicle loans and $27,831,309 in new vehicle loans already helping members get on the road. We cater to both new and used vehicle purchases, ensuring you have the right financing option for your needs.

Credit Lines and Business Loans

For those seeking additional financial flexibility, our credit lines amounting to $349,966,867 allow you to borrow as needed, making it easier to manage unexpected costs or larger purchases. If you're a business owner, our outstanding commercial loans totaling $277,289,280 provide the capital necessary for growth and expansion.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $178,567,886, make buying or refinancing simple. Whether it's your first home or you're looking to upgrade, we provide competitive rates and terms tailored for you.

Refinancing Options

If you're considering refinancing any existing loans, be sure to ask about our eligibility options. We're here to help make your financial transition smooth and beneficial. We invite you to visit us at 616 W Main St American Fork Ut 84003, American Fork, UT, or give us a call at (801) 320-2600 during our lobby hours. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right loan product tailored just for you!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $17,980,541 in loans helping members manage their finances effectively. These cards provide a great way to handle everyday expenses while earning rewards that can benefit you further down the line.

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Utah First