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The Boutique
Side of Banking.

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Stay Driven
As Low as 4.99%

Auto loans for your life, not your limits.

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0% APR credit card

Stay Confident
At 0% APR

Say yes to six months of zero interest.

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Stay Inspired
As low as 4.99%

A HELOC that grows with your life.

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Judgment-Free Financial Services

At Utah First Credit Union, we never judge! Whether you’re way ahead of the financial curve or trying to find the path, we want to hear your story and help with your goals. When the big banks say “no,” our friendly financial experts strive to say “Yes!” We prioritize people over profits, and always put Utah First!

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Apr 20, 2026 / Home Equity

Fixed Rate HELOC vs. Traditional HELOC

Every HELOC can help you achieve your personal goals—upgrade your home, put together a big event, or plan a dream vacation. It’s a great way to have extra cash on hand for any reason, big or small. But not all HELOCs are alike. In fact, there are two very separate…
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Apr 10, 2026 / Home Equity

How Does a HELOC Work?

You’ve probably heard all about a home equity line of credit (HELOC). It’s a revolving line of credit that lets you use as much or as little of your available HELOC funds as you want, for whatever you want, whenever you need it. It’s a great way to pay for…
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Mar 30, 2026 / Home Equity

Six HELOC-Worthy Outdoor Upgrades for Spring

Spring has sprung early this year! The temps are gorgeous, the days are getting longer, and somewhere between that bare patch of lawn and the grill, there’s a vision of the outdoor space you’ve been putting off for years.  Thankfully, if you’ve got a Utah First HELOC, you don’t have…
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