America First Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 3.25% | 5-year CD | 60 Month Regular Dedicated Savings Certificate 2.03% - National Average |
| 3.25% | 5-year IRA | 60 Month Regular IRA Certificate (Traditional, CESA) 2.03% - National Average |
| 2.05% | 1-year CD | 12 Month Flexible Certificate 2.45% - Synchrony Bank 12 Month CD |
America First Credit Union is headquartered in Riverdale and is the largest credit union in the state of Utah. It is also the 9th largest credit union in the nation. It was established in 1939 and as of June of 2018, it had grown to 2,836 employees and 976,394 members at 135 locations. America First Credit Union's CD rates are 3X 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
Related Posts
2/25 - 2.30% APY 5Y CD; Great EWP, Interesting Membership Qualification!
5/10/10 - Competitive Add-On 60-Month CD at America First Credit Union in UT & NV - Local Only
2/28/09 - 5.00% 5-Year CD & 4.00% 18-month CD Continue at Community One FCU in Las Vegas
2/12/09 - 5.00% 5-Year CD & 4.00% 18-Month CD at Community One FCU in Las Vegas
2/10/09 - 3.50% 13-Month CD at America First Credit Union in Utah
2/10/09 - 4.00% 12-Month CD and a Special CD Ladder at America First Credit Union in Utah
4/26/07 - 10% Junior CD at a Utah Credit Union - $1K Max (Mountain High)
11/24/06 - 6.00% 6-Month CD at a Nevada CU (Moapa Valley)
My experience with America First Credit Union
My wife and I have used America First Credit Union for the past several years. We first approached them for a car loan in 2012 on 2011 Chevrolet impala. The response we received was impressive. The car-loan specialist was friendly and professional. We received approval for the loan within a couple of days. The interest rate was favorable and were ultimately very pleased with the experience.
Since that time, we have used America First for check cashing, and savings deposits. About a year ago, we bought another car, a 2014 Dodge Caravan. As we were impressed with the service we received on or previous car loan, we approached them about this new purchase. Again, we received the same excellent service, with a favorable repayment schedule and interest rate.
They are an excellent banking service and we recommend them highly.
I love credit unions
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.
America First Credit Union Great for young people
I started banking with america first credit union back when i was 18 years old. to get started they made it very simple for me just to get started with a regular savings account, you just need to have a minimum amount at all times to keep your account active, so no worries about scheduling transfers that can give you headaches. they easiy approved me for refinancing on my vehicle with great interest rates Im pretty sure other places would just flat out denied me due to my age and lack of credit history. they are truly great and offer the best rates. I f you want something done go with America First.
Run Like A National Bank, Not A Credit Union
America First Credit Union is massive and growing, and certainly does not treat customers like a field of membership for a credit union. It offers its members 0.05% checking rates and 0.10% savings rates, which certainly make it profit driven, and competes with JP Morgan, Bank of America, Citigroup, Wells Fargo deposit rates without paying any taxes on its profits. The savings rates have not moved, despite numerous Federal Reserve interest rate increases. I have moved my money from AFCU and am more interested in credit unions that view their role as part of a community and field of membership, rather than just seeing themselves as a competitor to Zions.
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24694 |
| Year Chartered | 1939 |
| Employees | 2836 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.13% |
| Return on Equity - YTD | 11.75% |
| Annual Interest Income | $184.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $10.11B$8.94B |
| Loans | Q2 2018vs Q2 2017 | $7.88B$6.39B |
| Deposits | Q2 2018vs Q2 2017 | $8.90B$7.88B |
| Equity Capital | Q2 2018vs Q2 2017 | $968.9MM$893.2MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $117.9MM$92.3MM |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $59.9MM$56.5MM |
| Real Estate Owned | Q2 2018vs Q2 2017 | $27.3MM$28.9MM |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.05%* | - | $500 | Student Savings | ||
| OTHER TIERS: 0.10% → $1k+ | 0.95% → $500 - $1k | |||||
| 0.25% | - | - | IRA Accumulator | ||
| 0.10% | $1 | - | Share Savings | ||
| 0.10% | $1 | - | Business Share Savings | ||
| 0.10% | - | - | HSA Share Savings | ||
America First Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.90%* | $50k* | - | HSA Money Market Savings | ||
| OTHER TIERS: 0.20% → Up to $5k | 0.45% → $5k - $10k | 0.65% → $10k - $25k | 0.85% → $25k - $50k | |||||
| 0.50%* | $250k* | - | Money Market Savings | ||
| OTHER TIERS: 0.20% → Up to $5k | 0.25% → $5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $250k | |||||
| 0.50%* | $250k* | - | Business Money Market Savings | ||
| OTHER TIERS: 0.20% → Up to $5k | 0.25% → $5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $250k | |||||
| 0.40%* | $2k* | - | HSA Money Market Checking | ||
| OTHER TIERS: 0.10% → $500 - $2k | |||||
| 0.30%* | $250k* | - | Money Market Checking | ||
| OTHER TIERS: 0.10% → Up to $25k | 0.20% → $25k - $100k | 0.25% → $100k - $250k | |||||
America First Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $250k* | - | High-Yield Business Checking | ||
| OTHER TIERS: 0.10% → $10k - $25k | 0.20% → $25k - $100k | 0.25% → $100k - $250k | |||||
| 0.05% | - | - | Non-Profit Business Checking | ||
| 0.05% | $500 | - | Regular Checking | ||
America First Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.25% | $500 | - | 60 Month Regular Certificate | |
| 3.25% | - | $100k | 60 Month Regular Dedicated Savings Certificate | |
| 3.25% | $500 | - | 60 Month HSA Certificate | |
| 3.25% | - | $100k | 60 Month HSA Dedicated Savings Certificate | |
| 3.25% | $500 | - | 60 Month Regular Ladder Certificate | |
| 3.25% | $500 | - | 60 Month HSA Ladder Certificate | |
| 3.25% | - | $100k | Business 60 Month Regular Dedicated Savings Certificate | |
| 3.25% | $500 | - | Business 60 Month Regular Certificate | |
| 3.25% | $500 | - | Business 60 Month Regular Ladder Certificate | |
| 3.10% | $500 | - | 60 Month Bump-Rate Certificate | |
| 3.10% | $500 | - | 60 Month HSA Bump-Rate Certificate | |
| 3.10% | $500 | - | 60 Month Bump-Rate Ladder Certificate | |
| 3.10% | $500 | - | 60 Month HSA Bump-Rate Ladder Certificate | |
| 3.10% | $500 | - | Business 60 Month Bump-Rate Certificate | |
| 3.10% | $500 | - | Business 60 Month Bump-Rate Ladder Certificate | |
| 3.00% | $500 | - | 48 - 59 Month Regular Certificate | |
| 3.00% | - | $100k | 48 - 59 Month Regular Dedicated Savings Certificate | |
| 3.00% | $500 | - | 48 - 59 Month HSA Certificate | |
| 3.00% | - | $100k | 48 - 59 Month HSA Dedicated Savings Certificate | |
| 3.00% | $500 | - | 48 - 59 Month Regular Ladder Certificate | |
| 3.00% | $500 | - | 48 - 59 Month HSA Ladder Certificate | |
| 3.00% | - | $100k | Business 48 - 59 Month Regular Dedicated Savings Certificate | |
| 3.00% | $500 | - | Business 48 - 59 Month Regular Certificate | |
| 3.00% | $500 | - | Business 48 - 59 Month Regular Ladder Certificate | |
| 2.85% | $500 | - | 48 - 59 Month Bump-Rate Certificate | |
| 2.85% | $500 | - | 48 - 59 Month HSA Bump-Rate Certificate | |
| 2.85% | $500 | - | 48 - 59 Month Bump-Rate Ladder Certificate | |
| 2.85% | $500 | - | 48 - 59 Month HSA Bump-Rate Ladder Certificate | |
| 2.85% | $500 | - | Business 48 - 59 Month Bump-Rate Certificate | |
| 2.85% | $500 | - | Business 48 - 59 Month Bump-Rate Ladder Certificate | |
| 2.75% | $500 | - | 36 - 47 Month Regular Certificate | |
| 2.75% | - | $100k | 36 - 47 Month Regular Dedicated Savings Certificate | |
| 2.75% | $500 | - | 36 - 47 Month HSA Certificate | |
| 2.75% | - | $100k | 36 - 47 Month HSA Dedicated Savings Certificate | |
| 2.75% | $500 | - | 36 - 47 Month Regular Ladder Certificate | |
| 2.75% | $500 | - | 36 - 47 Month HSA Ladder Certificate | |
| 2.75% | - | $100k | Business 36 - 47 Month Regular Dedicated Savings Certificate | |
| 2.75% | $500 | - | Business 36 - 47 Month Regular Certificate | |
| 2.75% | $500 | - | Business 36 - 47 Month Regular Ladder Certificate | |
| 2.65% | $500 | - | 30 - 35 Month Regular Certificate | |
| 2.65% | - | $100k | 30 - 35 Month Regular Dedicated Savings Certificate | |
| 2.65% | $500 | - | 30 - 35 Month HSA Certificate | |
| 2.65% | - | $100k | 30 - 35 Month HSA Dedicated Savings Certificate | |
| 2.65% | $500 | - | 30 - 35 Month Regular Ladder Certificate | |
| 2.65% | $500 | - | 30 - 35 Month HSA Ladder Certificate | |
| 2.65% | - | $100k | Business 30 - 35 Month Regular Dedicated Savings Certificate | |
| 2.65% | $500 | - | Business 30 - 35 Month Regular Certificate | |
| 2.65% | $500 | - | Business 30 - 35 Month Regular Ladder Certificate | |
| 2.60% | $500 | - | 36 - 47 Month Bump-Rate Certificate | |
| 2.60% | $500 | - | 36 - 47 Month HSA Bump-Rate Certificate | |
| 2.60% | $500 | - | 36 - 47 Month Bump-Rate Ladder Certificate | |
| 2.60% | $500 | - | 36 - 47 Month HSA Bump-Rate Ladder Certificate | |
| 2.60% | $500 | - | Business 36 - 47 Month Bump-Rate Certificate | |
| 2.60% | $500 | - | Business 36 - 47 Month Bump-Rate Ladder Certificate | |
| 2.50% | $500 | - | 24 - 29 Month Regular Certificate | |
| 2.50% | - | $100k | 24 - 29 Month Regular Dedicated Savings Certificate | |
| 2.50% | $500 | - | 24 - 29 Month HSA Certificate | |
| 2.50% | - | $100k | 24 - 29 Month HSA Dedicated Savings Certificate | |
| 2.50% | $500 | - | 30 - 35 Month Bump-Rate Certificate | |
| 2.50% | $500 | - | 30 - 35 Month HSA Bump-Rate Certificate | |
| 2.50% | $500 | - | 24 - 29 Month Regular Ladder Certificate | |
| 2.50% | $500 | - | 30 - 35 Month Bump-Rate Ladder Certificate | |
| 2.50% | $500 | - | 24 - 29 Month HSA Ladder Certificate | |
| 2.50% | $500 | - | 30 - 35 Month HSA Bump-Rate Ladder Certificate | |
| 2.50% | - | $100k | Business 24 - 29 Month Regular Dedicated Savings Certificate | |
| 2.50% | $500 | - | Business 24 - 29 Month Regular Certificate | |
| 2.50% | $500 | - | Business 24 - 29 Month Regular Ladder Certificate | |
| 2.50% | $500 | - | Business 30 - 35 Month Bump-Rate Certificate | |
| 2.50% | $500 | - | Business 30 - 35 Month Bump-Rate Ladder Certificate | |
| 2.35% | $500 | - | 24 - 29 Month Bump-Rate Certificate | |
| 2.35% | $500 | - | 24 - 29 Month HSA Bump-Rate Certificate | |
| 2.35% | $500 | - | 24 - 29 Month Bump-Rate Ladder Certificate | |
| 2.35% | $500 | - | 24 - 29 Month HSA Bump-Rate Ladder Certificate | |
| 2.35% | $500 | - | Business 24 - 29 Month Bump-Rate Certificate | |
| 2.35% | $500 | - | Business 24 - 29 Month Bump-Rate Ladder Certificate | |
| 2.25% | $500 | - | 12 - 23 Month Regular Certificate | |
| 2.25% | - | $100k | 12 - 23 Month Regular Dedicated Savings Certificate | |
| 2.25% | $500 | - | 12 - 23 Month HSA Certificate | |
| 2.25% | - | $100k | 12 - 23 Month HSA Dedicated Savings Certificate | |
| 2.25% | $500 | - | 12 - 23 Month Regular Ladder Certificate | |
| 2.25% | $500 | - | 12 - 23 Month HSA Ladder Certificate | |
| 2.25% | - | $100k | Business 12 - 23 Month Regular Dedicated Savings Certificate | |
| 2.25% | $500 | - | Business 12 - 23 Month Regular Certificate | |
| 2.25% | $500 | - | Business 12 - 23 Month Regular Ladder Certificate | |
| 2.10% | $500 | - | 12 - 23 Month Bump-Rate Certificate | |
| 2.10% | $500 | - | 12 - 23 Month HSA Bump-Rate Certificate | |
| 2.10% | $500 | - | 12 - 23 Month Bump-Rate Ladder Certificate | |
| 2.10% | $500 | - | 12 - 23 Month HSA Bump-Rate Ladder Certificate | |
| 2.10% | $500 | - | Business 12 - 23 Month Bump-Rate Certificate | |
| 2.10% | $500 | - | Business 12 - 23 Month Bump-Rate Ladder Certificate | |
| 2.05% | $500 | $100k | 12 Month Flexible Certificate | |
| 2.05% | $500 | $100k | Business 12 Month Flexible Certificate | |
| 1.25% | $500 | - | 6 - 11 Month Regular Certificate | |
| 1.25% | - | $100k | 6 - 11 Month Regular Dedicated Savings Certificate | |
| 1.25% | $500 | - | 6 - 11 Month HSA Certificate | |
| 1.25% | - | $100k | 6 - 11 Month HSA Dedicated Savings Certificate | |
| 1.25% | $500 | - | 6 - 11 Month Regular Ladder Certificate | |
| 1.25% | $500 | - | 6 - 11 Month HSA Ladder Certificate | |
| 1.25% | - | $100k | Business 6 - 11 Month Regular Dedicated Savings Certificate | |
| 1.25% | $500 | - | Business 6 - 11 Month Regular Certificate | |
| 1.25% | $500 | - | Business 6 - 11 Month Regular Ladder Certificate | |
| 1.10% | $500 | - | 6 - 11 Month Bump-Rate Certificate | |
| 1.10% | $500 | - | 6 - 11 Month HSA Bump-Rate Certificate | |
| 1.10% | $500 | - | 6 - 11 Month Bump-Rate Ladder Certificate | |
| 1.10% | $500 | - | 6 - 11 Month HSA Bump-Rate Ladder Certificate | |
| 1.10% | $500 | - | Business 6 - 11 Month Bump-Rate Certificate | |
| 1.10% | $500 | - | Business 6 - 11 Month Bump-Rate Ladder Certificate | |
| 1.00% | $500 | - | 3 - 5 Month Regular Certificate | |
| 1.00% | - | $100k | 3 - 5 Month Regular Dedicated Savings Certificate | |
| 1.00% | $500 | - | 3 - 5 Month HSA Certificate | |
| 1.00% | - | $100k | 3 - 5 Month HSA Dedicated Savings Certificate | |
| 1.00% | $500 | - | 3 - 5 Month Regular Ladder Certificate | |
| 1.00% | $500 | - | 3 - 5 Month HSA Ladder Certificate | |
| 1.00% | - | $100k | Business 3 - 5 Month Regular Dedicated Savings Certificate | |
| 1.00% | $500 | - | Business 3 - 5 Month Regular Certificate | |
| 1.00% | $500 | - | Business 3 - 5 Month Regular Ladder Certificate | |
| 0.85% | $500 | - | 3 - 5 Month Bump-Rate Certificate | |
| 0.85% | $500 | - | 3 - 5 Month HSA Bump-Rate Certificate | |
| 0.85% | $500 | - | 3 - 5 Month Bump-Rate Ladder Certificate | |
| 0.85% | $500 | - | 3 - 5 Month HSA Bump-Rate Ladder Certificate | |
| 0.85% | $500 | - | Business 3 - 5 Month Bump-Rate Certificate | |
| 0.85% | $500 | - | Business 3 - 5 Month Bump-Rate Ladder Certificate |
America First Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.25% | - | $100k | 60 Month IRA Dedicated Savings IRA Certificate | |
| 3.25% | $500 | - | 60 Month Regular IRA Certificate | |
| 3.25% | $500 | - | 60 Month Regular Ladder IRA Certificate | |
| 3.10% | $500 | - | 60 Month Bump-Rate IRA Certificate | |
| 3.10% | $500 | - | 60 Month Bump-Rate Ladder IRA Certificate | |
| 3.00% | - | $100k | 48 - 59 Month IRA Dedicated Savings IRA Certificate | |
| 3.00% | $500 | - | 48 - 59 Month Regular IRA Certificate | |
| 3.00% | $500 | - | 48 - 59 Month Regular Ladder IRA Certificate | |
| 2.85% | $500 | - | 48 - 59 Month Bump-Rate IRA Certificate | |
| 2.85% | $500 | - | 48 - 59 Month Bump-Rate Ladder IRA Certificate | |
| 2.75% | - | $100k | 36 - 47 Month IRA Dedicated Savings IRA Certificate | |
| 2.75% | $500 | - | 36 - 47 Month Regular IRA Certificate | |
| 2.75% | $500 | - | 36 - 47 Month Regular Ladder IRA Certificate | |
| 2.65% | $500 | - | 30 - 35 Month IRA Certificate | |
| 2.65% | - | $100k | 30 - 35 Month Regular Dedicated Savings IRA Certificate | |
| 2.65% | $500 | - | 30 - 35 Month Regular Ladder IRA Certificate | |
| 2.60% | $500 | - | 36 - 47 Month Bump-Rate IRA Certificate | |
| 2.60% | $500 | - | 36 - 47 Month Bump-Rate Ladder IRA Certificate | |
| 2.50% | - | $100k | 24 - 29 Month IRA Dedicated Savings IRA Certificate | |
| 2.50% | $500 | - | 24 - 29 Month Regular IRA Certificate | |
| 2.50% | $500 | - | 24 - 29 Month Regular Ladder IRA Certificate | |
| 2.50% | $500 | - | 30 - 35 Month Bump-Rate Ladder IRA Certificate | |
| 2.50% | $500 | - | 30 - 35 Month Bump-Rate IRA Certificate | |
| 2.35% | $500 | - | 24 - 29 Month Bump-Rate IRA Certificate | |
| 2.35% | $500 | - | 24 - 29 Month Bump-Rate Ladder IRA Certificate | |
| 2.25% | - | $100k | 12 - 23 Month IRA Dedicated Savings IRA Certificate | |
| 2.25% | $500 | - | 12 - 23 Month Regular IRA Certificate | |
| 2.25% | $500 | - | 12 - 23 Month Regular Ladder IRA Certificate | |
| 2.10% | $500 | - | 12 - 23 Month Bump-Rate IRA Certificate | |
| 2.10% | $500 | - | 12 - 23 Month Bump-Rate Ladder IRA Certificate | |
| 1.25% | - | $100k | 6 - 11 Month IRA Dedicated Savings IRA Certificate | |
| 1.25% | $500 | - | 6 - 11 Month Regular IRA Certificate | |
| 1.25% | $500 | - | 6 - 11 Month Regular Ladder IRA Certificate | |
| 1.10% | $500 | - | 6 - 11 Month Bump-Rate IRA Certificate | |
| 1.10% | $500 | - | 6 - 11 Month Bump-Rate Ladder IRA Certificate | |
| 1.00% | - | $100k | 3 - 5 Month IRA Dedicated Savings IRA Certificate | |
| 1.00% | $500 | - | 3 - 5 Month Regular IRA Certificate | |
| 1.00% | $500 | - | 3 - 5 Month Regular Ladder IRA Certificate | |
| 0.85% | $500 | - | 3 - 5 Month Bump-Rate IRA Certificate | |
| 0.85% | $500 | - | 3 - 5 Month Bump-Rate Ladder IRA Certificate |
