University First Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
West Valley	2752 S Redwood Rd, West Valley City, UT 84119	View Lobby Hours
Sandy	2275 E 9400 S, Sandy, UT 84093	View Lobby Hours
Health Science	30 N 1900 E, Salt Lake City, UT 84132	View Lobby Hours
Bountiful	361 W 500 S, Bountiful, UT 84010	View Lobby Hours
Brickyard	3088 S Richmond St, Salt Lake City, UT 84106	View Lobby Hours
Cottonwood	7220 S Highland Dr, Cottonwood Heights, UT 84121	View Lobby Hours
Draper	811 E 12300 S, Draper, UT 84020	View Lobby Hours
West Jordan	7121 S Redwood Rd, West Jordan, UT 84084	View Lobby Hours
Jordan Valley	8952 S Redwood Rd, West Jordan, UT 84088	View Lobby Hours
Riverton	13347 S Market Center Dr, Riverton, UT 84065	View Lobby Hours
5th & 5th	490 E 500 S, Salt Lake City, UT 84111	View Lobby Hours
Holladay	4675 S Highland Dr, Holladay, UT 84117	View Lobby Hours
Administration	3450 S Highland Dr, Salt Lake City, UT 84106	View Lobby Hours
Student Life Center	1836 Student Life Way, Salt Lake City, UT 84112	View Lobby Hours
North Bountiful	1535 N Main St, Bountiful, UT 84010	View Lobby Hours
Research Park	505 S Wakara Way, Salt Lake City, UT 84108	View Lobby Hours
Campus Store	270 S 1500 E, Salt Lake City, UT 84112	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 2022461	6.458%	6.375%	0.88	$2,800	$1,997	Learn More
NMLS ID: 3138	6.470%	6.375%	1.00	$3,200	$1,997	Learn More
NMLS ID: 447490	6.602%	6.490%	0.75	$3,728	$2,021	Learn More
NMLS ID: 1006977	6.606%	6.500%	0.75	$3,633	$2,023	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.150 % After Intro: 7.150 %	$15,000	Learn More More Info
Available APRs range from 6.70% - 14.65%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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