Utah First Credit Union Woods Cross UT | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Utah First, your trusted financial partner right here in the heart of Woods Cross, UT. Located at 1520 S 500 W, our branch has been serving the community since 1935, and we take pride in fostering relationships built on trust and reliability. With a growing membership of over 42,000 individuals, we are committed to providing personalized banking solutions tailored to meet your needs. At Utah First, we understand that every member is unique, which is why our services span from personal banking like checking and savings accounts to specialized offerings such as auto loans, mortgages, and business financing. As of now, our total assets stand at an impressive $1,081,123,900, with total deposits amounting to $122,322,214. This strong financial foundation allows us to offer competitive rates and ensure your money is secure. Our leadership team, led by CEO Darin Moody and Board President Dave Pendleton, is dedicated to maintaining the highest standards of service while actively engaging with our community. We believe that being a part of Woods Cross means more than just banking; it's about making a positive impact in the lives of our members and neighbors. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1520 S 500 W, Woods Cross, UT 84010-7414. If you have questions or need assistance, don't hesitate to reach out! You can call us at 801-320-2600 during our convenient lobby hours Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. Join us at Utah First today and experience firsthand how we're not just a credit union; we're a community partner ready to help you achieve your financial goals. Visit our website at utahfirst.com for more information!

Branch History & Mission

Community Engagement

Our journey has been marked by milestones that showcase our dedication not only to our members but also to the greater community. We actively seek partnerships with local organizations and schools to promote financial literacy and provide support where it's needed most. From workshops on budgeting and saving to sponsorship of local events, Utah First believes in giving back. As we look towards the future, we remain steadfast in our goal of enhancing member experiences. With features like shared service centers and drive-thru banking available at our branch, we strive for convenience without compromising on service quality. If you're looking for a credit union that truly cares about your financial well-being and community involvement, look no further than Utah First. Join us today and experience firsthand how we can help you achieve your goals while being part of something bigger! For inquiries or more information, please call us at 801-320-2600 or visit us online at utahfirst.com.

Our Mission

The mission of Utah First is simple yet powerful: to empower our members by providing them with the financial tools and resources they need to succeed. We believe that everyone deserves access to quality financial services, which is why we offer competitive rates on auto loans, mortgages, personal loans, and more. Our services extend beyond traditional banking; we are here to guide you in making informed decisions about your financial future. We are committed to ensuring that all members feel welcomed and valued. This dedication is reflected in our user-friendly digital platforms and our ADA-compliant facilities. Whether you prefer online banking or visiting us in person during our lobby hours Monday through Friday from 9:00 am to 5:30 pm and Saturdays from 9:00 am to 1:00 pm we aim to make every interaction positive.

Branch Location & Accessibility

Convenient Features

Our branch is designed with your comfort in mind. Enjoy ample parking right outside our doors, making it easy for you to pop in for quick transactions or to discuss your financial needs with our friendly staff. We also prioritize accessibility; our facilities are compliant with ADA standards, ensuring that everyone can access our services without any hassle.

Operating Hours

We understand that life can be busy, which is why our lobby hours are set to accommodate your schedule. Join us Monday through Friday from 9:00 AM to 5:30 PM and on Saturdays from 9:00 AM to 1:00 PM. If you're looking for extended hours, our drive-thru service is open earlier from 8:00 AM until 8:00 PM on weekdays!

Services Offered

At Utah First, we offer a wide range of services tailored to meet the needs of individuals and businesses alike. From personal checking and savings accounts to auto loans and mortgage refinancing, we have solutions that fit your lifestyle. Plus, enjoy the convenience of an ATM available right at our branch for quick cash withdrawals or balance checks. If you need assistance beyond typical banking hours or prefer a more private conversation, feel free to call us at 801-320-2600. Our dedicated team is here to help you every step of the way.

Visit Us Today!

We invite you to visit us at the Woods Cross Branch of Utah First. Whether you're opening a new account or just stopping by for some friendly advice, we're excited to welcome you into our community-focused banking family. If you need official correspondence sent our way, remember that it can be directed to the same address: 1520 S 500 W, Woods Cross, UT 84010-7414. Come see us soon your financial journey starts here!

Member Eligibility

At Utah First, we believe that everyone deserves a chance to be part of our close-knit community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly eligibility criteria. Typically, individuals who live, work, or worship in the Woods Cross area are welcome to apply. We also extend our membership to family members of existing members, making it easier for your loved ones to enjoy the benefits we offer. If you want to dive deeper into the specific eligibility details, feel free to check out our page at http://www.utahfirst.com/membership/ . Once you're ready to take the next step, opening an account with us is straightforward and hassle-free. You can get started right away by visiting us at our branch located at 1520 S 500 W Woods Cross Ut 84010 or simply give us a call at (801) 320-2600. We're here to help guide you through the process and ensure you feel right at home as part of Utah First. Being a member means you gain access to personalized financial services and a supportive team that truly cares about your financial well-being.

Business Banking & Commercial Services

Merchant Services

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services make transactions simple, allowing you to focus on what you do best running your business. From secure payment processing to easy integration with your existing systems, we provide solutions that grow with you. Whether you're located at our office in 1520 S 500 W Woods Cross Ut 84010 in Woods Cross, UT, or anywhere else, we're here to help you thrive. Reach out to us today at (801) 320-2600 to learn more about how we can support your business goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $408 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $12 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $286,852,725, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll be pleased to know that we also cater to the needs of local businesses. Our merchant services simplify payment processing, while our business loans provide funding options to help you grow. We understand the unique challenges faced by entrepreneurs and are here to support you every step of the way.

Convenience Features

In today's fast-paced world, convenience is key. That's why at Utah First, we focus on providing easy access to all our services. With features like ATM access for cash withdrawals and basic drive-thru banking for quick transactions, managing your finances has never been easier. Additionally, if you're a member of another credit union in our network, you can benefit from shared branch transactions for deposits and withdrawals.

Get Started Today!

With so many services tailored just for you, why not visit us? We invite you to stop by our branch in Woods Cross or give us a call at 801-320-2600 to learn more about how Utah First can assist you in achieving your financial dreams. Your journey towards better financial health starts here!

Personal Banking

When it comes to personal banking, we offer various options that cater to different lifestyles and needs. Our checking and savings accounts provide flexible solutions for managing your everyday finances. You can easily track your spending and save for future goals through our user-friendly online and mobile banking platforms. Imagine being able to check your balance or transfer money right from your phone it's that simple! For those considering larger purchases, our auto loans and vehicle financing options make getting behind the wheel easy. We understand how important reliable transportation is, so we offer competitive rates and flexible repayment terms. And if you're thinking about buying a home, our mortgage loans and refinancing services help guide you through the process with ease.

Personal Loans & Credit Cards

Need some extra cash for unexpected expenses? Our personal loans and debt consolidation options can help you take control of your finances by providing funds when you need them most. Plus, with our credit cards that offer rewards, you can earn points while making everyday purchases turning spending into savings!

Digital & Online Banking

Mobile Application and Transfers

For on-the-go banking, our mobile application is available for your convenience. This app puts banking right in your pocket, enabling you to manage your accounts from anywhere. If you need to send money quickly to a friend or family member, our person-to-person transfer feature makes it effortless no cash needed!

Online Banking Features

Our online banking platform is user-friendly, allowing you to check balances, view transactions, and transfer money with just a few clicks. You can easily log in at https://utahfirst.com/ to experience these features firsthand. Plus, for those who prefer paperless options, we provide e-statements that let you keep track of your finances without the clutter.

Security and Accessibility

Security is our priority. While we don't currently support electronic signature authorization or mobile payments, our online banking system is designed with safety features that protect your personal information. You can bank with peace of mind knowing that your data is secure. At Utah First, we're committed to making your banking experience as easy as possible. Whether you're checking your balance late at night or transferring funds while waiting in line, our digital and online services empower you to manage your finances on your terms. Embrace the ease of modern banking today!

Financial Strength

Growing Trust

With total share accounts reaching 83,297, it's clear that many trust us with their finances. This growing member base strengthens our position as a reliable partner for your financial journey. 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 1520 S 500 W Woods Cross Ut 84010 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.*

Member Savings Secure

Members' savings are secured through $192,783,628 in share certificates and $197,362,259 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $156,360,900, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 137 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $105,392,756 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 significant as we currently have $8,942 in used auto loans and $858,158,198 in total loans and leases available to support your financial goals across various sectors.

Solid Financial Health

With a net worth of $106,207,599, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $982 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $134,589,894 in used vehicle loans and $23,349,061 in new vehicle loans already helping members get on the road. We understand the importance of getting behind the wheel without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $286,852,725 provide the capital needed to grow and expand your business. Whether you need funds for equipment purchases or operational expenses, we are committed to supporting local enterprises.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $206,198,857. These make buying or refinancing simple and straightforward. Whether you're purchasing a new home or looking to refinance an existing mortgage for better terms, we are here to assist you every step of the way.

Refinancing Options

If you're considering refinancing any of your current loans be it auto or mortgage our team is ready to discuss eligibility options that might save you money over time. We believe in empowering our members with choices that align with their financial strategies. At Utah First, our goal is to simplify banking for you while providing excellent service. For more information about our loan products or assistance with applications, feel free to contact us at 801-320-2600. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial dreams!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $19,136,151 in loans helping members manage their finances effectively, our credit cards come with competitive rates and various rewards that can suit your lifestyle.

Loan Aggregator

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UTAH FIRST FEDERAL CREDIT UNION - Woods Cross, UT