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America First Credit Union


Overview / Commentary
www.americafirst.com
800-999-3961
4774 S 1300 W Bldg 3
Riverdale, UT 84405

America First Credit Union is headquartered in Riverdale and is the largest credit union in the state of Utah. It is also the 7th largest credit union in the nation. It was established in 1939 and as of June of 2022, it had grown to 2,917 employees and 1,269,186 members at 126 locations. America First Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in America First Credit Union is open to those who live, work, regularly conduct business, worship, attend school, or volunteer in Salt Lake County, Utah or within a 12 mile radius of the Mesquite Nevada Post Office; or in Utah County, or Juab County, Utah; or in Clark County and portions of Lincoln County, Nevada. Membership is also open to owners, employees, suppliers and their employees, or associated companies and their employees involved in the food industry in Utah and to employees, or members of a Select Employee Group (SEG) or of an affiliated association in Utah. (Membership requirements are listed in the credit union's online application).
See current membership details

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Reviews (31)

A Great Non-Profit Financial Institution!

Posted by: |

I have enjoyed my membership in America First CU! I have always been treated with curtesy and addressed as a member, not just an account number. If I have questions about CDs and Retirement instruments I can speak with the department that handles the different products offered. AFCU does offer competitive CD rates; I say this because I do the research nationally. No, their interest rates on checking and savings are non competitive with online savings institutions, that is because online account, such as Discover Bank, do not have the expense of brick and mortar Remember too that banks are for-profit entities, whereas, CUs are membership owned and can offer good rates to their members. Yes, it would be great to have the highest rates for all financial products in one financial institution, but competition is the way of healthy economic growth.

1

I love credit unions

Posted by: |

I've been with America First Credit Union for many years and have had nothing but positive experiences with them. I like the ease of use of their online bill pay. I lived out of the country for 3 years while with them, and never had any issues with my debit card or bills being paid on time. They have branch locations at convenient places, including grocery stores and Walmart. They are open longer hours than traditional banks. They have convenient ATM locations as well. There are no fees that I need to worry about and free checking. My one complaint is that they don't offer a higher interest rate on checking accounts with high balances. I keep over $20K in my checking, and it would be nice to earn some interest on that.

4

I Like Credit Unions But AFCU Customer Service Is TERRIBLE

Posted by: |

AFCU withheld me from making Zelle payments 2 times. AFCU withheld me from having my business funds transferred to my personal account. AFCU withheld me from being able to verify my business account through my personal account pin because my business account pin was not working. Although I had acknowledged to the call center supervisor Alisa 1229 that I could only verify my account by using my personal account pin number. Ms. Alisa still asked for my business acct pin and tried to use it to verify my account which failed. Then Ms. Alisa refused to allow me to make a transaction on my account because she said she could not verify my account

1

They Don't Care, Don't Bother

Posted by: |

If I could I would give them "0" stars.

Unfortunately, due to Covid pandemic, inflation, and car repairs I needed to file for bankruptcy.

I had 2 checking accounts, 2 savings accounts, a credit card, and a personal loan through them.

After my paperwork for the bankruptcy was filed, they took my money from my checking accounts and transferred it all to my saving accounts.
They then took the little bit of money I had in the one savings account and put it towards the personal loan.
The other savings account they, created a check and sent it to me via mail (I found out they mailed it to me after talking to them over the phone).

They did all of this without my knowledge, and without letting me know they were doing this.

I went to log into my accounts on my phone app and noticed the transfers. I tried to log in through my computer, and it showed I had no accounts except the loan and the credit card.

I called them, and they told me that since they were losing money they closed my accounts, and it was ok for them to take my money from my accounts and put it towards the loan (after I filed for bankruptcy) since it was under $50.

They closed my accounts, without notifying me. I had part of my paycheck being direct deposited into those accounts. So, now I am scrambling to figure out where my money is that was supposed to be deposited into these accounts. As of today, 5 business days later only 2 of the smaller direct deposits have bounced back to my work. The larger deposit and the other small auto deposit still have not bounced back.

I just logged back in today, and see they re-opened the accounts connected to the credit card and loan. They excepted the direct deposits that were supposed to go into the other checking and savings account, and it will not let me transfer the money out. I need to buy food for the week with that money. They are stealing my money at this point.

2
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Health
A

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #24694
Year Chartered1939
Employees2917
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD9.8%
Annual Interest Income$268.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$17.46B$15.86B
LoansQ2 2022vs Q2 2021$11.57B$10.18B
DepositsQ2 2022vs Q2 2021$15.61B$14.23B
Equity CapitalQ2 2022vs Q2 2021$1.64B$1.38B
Loan Loss AllowanceQ2 2022vs Q2 2021$186.9MM$182.8MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$63.1MM$55.5MM
Real Estate OwnedQ2 2022vs Q2 2021$0$10.1MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not America First Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

America First Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$500Student Savings
OTHER TIERS: 0.05% → $1k+ | 1.39% → $500 - $1k
0.65%--IRA Accumulator
0.05%$1-Share Savings
0.05%$1-Business Share Savings
0.05%--HSA Share Savings

America First Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$250k*-Money Market Savings
OTHER TIERS: 0.50% → Up to $5k | 0.70% → $5k - $10k | 0.80% → $10k - $25k | 1.00% → $25k - $50k | 1.15% → $50k - $100k | 1.25% → $100k - $250k
1.75%*$250k*-Business Money Market Savings
OTHER TIERS: 0.50% → Up to $5k | 0.70% → $5k - $10k | 0.80% → $10k - $25k | 1.00% → $25k - $50k | 1.15% → $50k - $100k | 1.25% → $100k - $250k
1.15%*$50k*-HSA Money Market Savings
OTHER TIERS: 0.50% → Up to $5k | 0.70% → $5k - $10k | 0.80% → $10k - $25k | 1.00% → $25k - $50k
0.20%*$100k*-Money Market Checking
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $25k | 0.15% → $25k - $100k
0.05%$500-HSA Money Market Checking

America First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-High-Yield Business Checking
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $25k | 0.15% → $25k - $100k
0.05%--Non-Profit Business Checking
0.05%$500-Regular Checking

America First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-24 - 29 Month Regular Certificate
4.25%-$100k24 - 29 Month Regular Dedicated Savings Certificate
4.25%$500-24 - 29 Month HSA Certificate
4.25%-$100k24 - 29 Month HSA Dedicated Savings Certificate
4.25%$500-24 - 29 Month Bump-Rate Certificate
4.25%$500-24 - 29 Month HSA Bump-Rate Certificate
4.25%$500-24 - 29 Month Bump-Rate Ladder Certificate
4.25%$500-24 - 29 Month Regular Ladder Certificate
4.25%$500-24 - 29 Month HSA Bump-Rate Ladder Certificate
4.25%$500-24 - 29 Month HSA Ladder Certificate
4.25%$500-Business 24 - 29 Month Bump-Rate Certificate
4.25%$500-Business 24 - 29 Month Bump-Rate Ladder Certificate
4.25%-$100kBusiness 24 - 29 Month Regular Dedicated Savings Certificate
4.25%$500-Business 24 - 29 Month Regular Certificate
4.25%$500-Business 24 - 29 Month Regular Ladder Certificate
4.00%$500-12 - 23 Month Regular Certificate
4.00%-$100k12 - 23 Month Regular Dedicated Savings Certificate
4.00%$500-12 - 23 Month HSA Certificate
4.00%-$100k12 - 23 Month HSA Dedicated Savings Certificate
4.00%$500-12 - 23 Month HSA Bump-Rate Certificate
4.00%$500-12 - 23 Month Bump-Rate Ladder Certificate
4.00%$500-12 - 23 Month Regular Ladder Certificate
4.00%$500-12 - 23 Month HSA Bump-Rate Ladder Certificate
4.00%$500-12 - 23 Month HSA Ladder Certificate
4.00%$500-Business 12 - 23 Month Bump-Rate Certificate
4.00%$500-Business 12 - 23 Month Bump-Rate Ladder Certificate
4.00%-$100kBusiness 12 - 23 Month Regular Dedicated Savings Certificate
4.00%$500-Business 12 - 23 Month Regular Certificate
4.00%$500-Business 12 - 23 Month Regular Ladder Certificate
4.00%$500-12 - 23 Month Bump-Rate Certificate Special
3.85%$500$100k12 Month Flexible Certificate
3.85%$500$100kBusiness 12 Month Flexible Certificate
3.75%$500-60 Month Regular Certificate
3.75%-$100k60 Month Regular Dedicated Savings Certificate
3.75%$500-60 Month HSA Certificate
3.75%-$100k60 Month HSA Dedicated Savings Certificate
3.75%$500-60 Month Bump-Rate Certificate
3.75%$500-60 Month HSA Bump-Rate Certificate
3.75%$500-60 Month Bump-Rate Ladder Certificate
3.75%$500-60 Month Regular Ladder Certificate
3.75%$500-60 Month HSA Bump-Rate Ladder Certificate
3.75%$500-60 Month HSA Ladder Certificate
3.75%$500-Business 60 Month Bump-Rate Certificate
3.75%$500-Business 60 Month Bump-Rate Ladder Certificate
3.75%-$100kBusiness 60 Month Regular Dedicated Savings Certificate
3.75%$500-Business 60 Month Regular Certificate
3.75%$500-Business 60 Month Regular Ladder Certificate
3.50%$500-48 - 59 Month Regular Certificate
3.50%-$100k48 - 59 Month Regular Dedicated Savings Certificate
3.50%$500-48 - 59 Month HSA Certificate
3.50%-$100k48 - 59 Month HSA Dedicated Savings Certificate
3.50%$500-48 - 59 Month Bump-Rate Certificate
3.50%$500-48 - 59 Month HSA Bump-Rate Certificate
3.50%$500-48 - 59 Month Bump-Rate Ladder Certificate
3.50%$500-48 - 59 Month Regular Ladder Certificate
3.50%$500-48 - 59 Month HSA Bump-Rate Ladder Certificate
3.50%$500-48 - 59 Month HSA Ladder Certificate
3.50%$500-Business 48 - 59 Month Bump-Rate Certificate
3.50%$500-Business 48 - 59 Month Bump-Rate Ladder Certificate
3.50%-$100kBusiness 48 - 59 Month Regular Dedicated Savings Certificate
3.50%$500-Business 48 - 59 Month Regular Certificate
3.50%$500-Business 48 - 59 Month Regular Ladder Certificate
3.40%$500-36 - 47 Month Regular Certificate
3.40%-$100k36 - 47 Month Regular Dedicated Savings Certificate
3.40%$500-36 - 47 Month HSA Certificate
3.40%-$100k36 - 47 Month HSA Dedicated Savings Certificate
3.40%$500-36 - 47 Month Bump-Rate Certificate
3.40%$500-36 - 47 Month HSA Bump-Rate Certificate
3.40%$500-36 - 47 Month Bump-Rate Ladder Certificate
3.40%$500-36 - 47 Month Regular Ladder Certificate
3.40%$500-36 - 47 Month HSA Bump-Rate Ladder Certificate
3.40%$500-36 - 47 Month HSA Ladder Certificate
3.40%$500-Business 36 - 47 Month Bump-Rate Certificate
3.40%$500-Business 36 - 47 Month Bump-Rate Ladder Certificate
3.40%-$100kBusiness 36 - 47 Month Regular Dedicated Savings Certificate
3.40%$500-Business 36 - 47 Month Regular Certificate
3.40%$500-Business 36 - 47 Month Regular Ladder Certificate
3.25%$500-30 - 35 Month Regular Certificate
3.25%-$100k30 - 35 Month Regular Dedicated Savings Certificate
3.25%$500-30 - 35 Month HSA Certificate
3.25%-$100k30 - 35 Month HSA Dedicated Savings Certificate
3.25%$500-30 - 35 Month Bump-Rate Certificate
3.25%$500-30 - 35 Month HSA Bump-Rate Certificate
3.25%$500-30 - 35 Month Bump-Rate Ladder Certificate
3.25%$500-30 - 35 Month Regular Ladder Certificate
3.25%$500-30 - 35 Month HSA Bump-Rate Ladder Certificate
3.25%$500-30 - 35 Month HSA Ladder Certificate
3.25%$500-Business 30 - 35 Month Bump-Rate Certificate
3.25%$500-Business 30 - 35 Month Bump-Rate Ladder Certificate
3.25%-$100kBusiness 30 - 35 Month Regular Dedicated Savings Certificate
3.25%$500-Business 30 - 35 Month Regular Certificate
3.25%$500-Business 30 - 35 Month Regular Ladder Certificate
2.50%$500-6 - 11 Month Regular Certificate
2.50%-$100k6 - 11 Month Regular Dedicated Savings Certificate
2.50%$500-6 - 11 Month HSA Certificate
2.50%-$100k6 - 11 Month HSA Dedicated Savings Certificate
2.50%$500-6 - 11 Month Bump-Rate Certificate
2.50%$500-6 - 11 Month HSA Bump-Rate Certificate
2.50%$500-6 - 11 Month Bump-Rate Ladder Certificate
2.50%$500-6 - 11 Month Regular Ladder Certificate
2.50%$500-6 - 11 Month HSA Bump-Rate Ladder Certificate
2.50%$500-6 - 11 Month HSA Ladder Certificate
2.50%$500-Business 6 - 11 Month Bump-Rate Certificate
2.50%$500-Business 6 - 11 Month Bump-Rate Ladder Certificate
2.50%-$100kBusiness 6 - 11 Month Regular Dedicated Savings Certificate
2.50%$500-Business 6 - 11 Month Regular Certificate
2.50%$500-Business 6 - 11 Month Regular Ladder Certificate
2.25%$500-3 - 5 Month Bump-Rate Certificate
2.25%$500-3 - 5 Month HSA Bump-Rate Certificate
2.25%$500-3 - 5 Month Bump-Rate Ladder Certificate
2.25%$500-3 - 5 Month HSA Bump-Rate Ladder Certificate
2.25%$500-Business 3 - 5 Month Bump-Rate Certificate
2.25%$500-Business 3 - 5 Month Bump-Rate Ladder Certificate
2.25%-$100kBusiness 3 - 5 Month Regular Dedicated Savings Certificate
2.25%$500-Business 3 - 5 Month Regular Certificate
2.25%$500-Business 3 - 5 Month Regular Ladder Certificate
2.23%$500-3 - 5 Month Regular Certificate
2.23%-$100k3 - 5 Month Regular Dedicated Savings Certificate
2.23%$500-3 - 5 Month HSA Certificate
2.23%-$100k3 - 5 Month HSA Dedicated Savings Certificate
2.23%$500-3 - 5 Month Regular Ladder Certificate
2.23%$500-3 - 5 Month HSA Ladder Certificate

America First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%-$100k24 - 29 Month IRA Dedicated Savings IRA Certificate
4.25%$500-24 - 29 Month Bump-Rate IRA Certificate
4.25%$500-24 - 29 Month Bump-Rate Ladder IRA Certificate
4.25%$500-24 - 29 Month Regular IRA Certificate
4.25%$500-24 - 29 Month Regular Ladder IRA Certificate
4.00%-$100k12 - 23 Month IRA Dedicated Savings IRA Certificate
4.00%$500-12 - 23 Month Regular IRA Certificate
4.00%$500-12 - 23 Month Regular Ladder IRA Certificate
4.00%$500-12 - 23 Month Bump-Rate IRA Certificate
4.00%$500-12 - 23 Month Bump-Rate Ladder IRA Certificate
3.75%-$100k60 Month IRA Dedicated Savings IRA Certificate
3.75%$500-60 Month Bump-Rate IRA Certificate
3.75%$500-60 Month Bump-Rate Ladder IRA Certificate
3.75%$500-60 Month Regular IRA Certificate
3.75%$500-60 Month Regular Ladder IRA Certificate
3.50%-$100k48 - 59 Month IRA Dedicated Savings IRA Certificate
3.50%$500-48 - 59 Month Bump-Rate IRA Certificate
3.50%$500-48 - 59 Month Bump-Rate Ladder IRA Certificate
3.50%$500-48 - 59 Month Regular IRA Certificate
3.50%$500-48 - 59 Month Regular Ladder IRA Certificate
3.40%-$100k36 - 47 Month IRA Dedicated Savings IRA Certificate
3.40%$500-36 - 47 Month Bump-Rate IRA Certificate
3.40%$500-36 - 47 Month Bump-Rate Ladder IRA Certificate
3.40%$500-36 - 47 Month Regular IRA Certificate
3.40%$500-36 - 47 Month Regular Ladder IRA Certificate
3.25%$500-30 - 35 Month IRA Certificate
3.25%$500-30 - 35 Month Bump-Rate Ladder IRA Certificate
3.25%-$100k30 - 35 Month Regular Dedicated Savings IRA Certificate
3.25%$500-30 - 35 Month Regular Ladder IRA Certificate
3.25%$500-30 - 35 Month Bump-Rate IRA Certificate
2.50%-$100k6 - 11 Month IRA Dedicated Savings IRA Certificate
2.50%$500-6 - 11 Month Bump-Rate IRA Certificate
2.50%$500-6 - 11 Month Bump-Rate Ladder IRA Certificate
2.50%$500-6 - 11 Month Regular IRA Certificate
2.50%$500-6 - 11 Month Regular Ladder IRA Certificate
2.25%$500-3 - 5 Month Bump-Rate IRA Certificate
2.25%$500-3 - 5 Month Bump-Rate Ladder IRA Certificate
2.23%-$100k3 - 5 Month IRA Dedicated Savings IRA Certificate
2.23%$500-3 - 5 Month Regular IRA Certificate
2.23%$500-3 - 5 Month Regular Ladder IRA Certificate
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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.