“Burn advice”

Hello, I just burned my finger pretty badly on a toaster oven and I'm wondering if I should go to urgent care. The burn itself is white and the rest of my finger is red. It stings really badly but does not feel numb to the touch. I rinsed it with cold water for a while and applied antibiotic ointment and a bandage, but then read online that applying ointment can trap heat inside a burn, so I removed the bandage and carefully washed my hands.