2. America First Credit Union

America First Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.50%5-year CD
3.10% - Barclays 60 Month Online CDAdvertisement
3.50%5-year IRA
2.26% - National Average
3.25%4-year CD
2.90% - Barclays 48 Month Online CDAdvertisement
View all America First Credit Union rates »

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 9th largest credit union in the nation. It was established in 1939 and as of September of 2018, it had grown to 2,882 employees and 998,845 members at 134 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

America First Credit Union Ups 6-11 Month CD To 3.00% APY - 2/9/2019

America First CU (UT/NV/ID/AZ/OR) has raised the rate on its 6-11 months Regular Certificate (3.00% APY). Minimum deposit is $500, with no stated balance cap.

America First Credit Union Ups 60-Month CD Rate - 6/29/2018

America First CU (UT/NV/AZ) has raised the rate on its 60-month Regular Certificate (3.25% APY). Minimum deposit is $500, with no stated balance cap.

View all posts from:


Reviews (18)

My experience with America First Credit Union

Posted by: ProudAmyMadd | Nov 11, 2017

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.

1

I love credit unions

Posted by: kirkhaas | Mar 22, 2018

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.

1

America First Credit Union Great for young people

Posted by: monicafitzpatrick | Feb 3, 2018

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.

2

Run Like A National Bank, Not A Credit Union

Posted by: YieldSpread | Aug 1, 2018

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.

10
VIEW MORE REVIEWS

Health
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #24694
Year Chartered1939
Employees2882
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD12.03%
Annual Interest Income$288.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$10.24B$9.17B
LoansQ3 2018vs Q3 2017$8.23B$6.71B
DepositsQ3 2018vs Q3 2017$9.01B$8.06B
Equity CapitalQ3 2018vs Q3 2017$1.00B$918.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$123.3MM$97.0MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$75.6MM$64.3MM
Real Estate OwnedQ3 2018vs Q3 2017$25.4MM$28.6MM
Rates
Skip to rates for:
Report an Issue

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
1.40%*-$500Student Savings
OTHER TIERS: 0.10% → $1k+ | 1.29% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$50k*-HSA Money Market Savings
OTHER TIERS: 0.25% → Up to $5k | 0.50% → $5k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k
0.85%*$250k*-Money Market Savings
OTHER TIERS: 0.25% → Up to $5k | 0.30% → $5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.65% → $50k - $100k | 0.75% → $100k - $250k
0.85%*$2k*-HSA Money Market Checking
OTHER TIERS: 0.10% → $500 - $2k
0.85%*$250k*-Business Money Market Savings
OTHER TIERS: 0.25% → Up to $5k | 0.30% → $5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.65% → $50k - $100k | 0.75% → $100k - $250k
0.75%*$250k*-Money Market Checking
OTHER TIERS: 0.25% → Up to $10k | 0.35% → $10k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k

America First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$250k*-High-Yield Business Checking
OTHER TIERS: 0.35% → $10k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.05%--Non-Profit Business Checking
0.05%$500-Regular Checking

America First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-60 Month Regular Certificate
3.50%-$100k60 Month Regular Dedicated Savings Certificate
3.50%$500-60 Month HSA Certificate
3.50%-$100k60 Month HSA Dedicated Savings Certificate
3.50%$500-60 Month Regular Ladder Certificate
3.50%$500-60 Month HSA Ladder Certificate
3.50%-$100kBusiness 60 Month Regular Dedicated Savings Certificate
3.50%$500-Business 60 Month Regular Certificate
3.50%$500-Business 60 Month Regular Ladder Certificate
3.35%$500-60 Month Bump-Rate Certificate
3.35%$500-60 Month HSA Bump-Rate Certificate
3.35%$500-60 Month Bump-Rate Ladder Certificate
3.35%$500-60 Month HSA Bump-Rate Ladder Certificate
3.35%$500-Business 60 Month Bump-Rate Certificate
3.35%$500-Business 60 Month Bump-Rate Ladder Certificate
3.25%$500-48 - 59 Month Regular Certificate
3.25%-$100k48 - 59 Month Regular Dedicated Savings Certificate
3.25%$500-48 - 59 Month HSA Certificate
3.25%-$100k48 - 59 Month HSA Dedicated Savings Certificate
3.25%$500-48 - 59 Month Regular Ladder Certificate
3.25%$500-48 - 59 Month HSA Ladder Certificate
3.25%-$100kBusiness 48 - 59 Month Regular Dedicated Savings Certificate
3.25%$500-Business 48 - 59 Month Regular Certificate
3.25%$500-Business 48 - 59 Month Regular Ladder Certificate
3.10%$500-48 - 59 Month Bump-Rate Certificate
3.10%$500-48 - 59 Month HSA Bump-Rate Certificate
3.10%$500-48 - 59 Month Bump-Rate Ladder Certificate
3.10%$500-48 - 59 Month HSA Bump-Rate Ladder Certificate
3.10%$500-Business 48 - 59 Month Bump-Rate Certificate
3.10%$500-Business 48 - 59 Month Bump-Rate Ladder Certificate
3.00%$500-6 - 11 Month Regular Certificate
3.00%$500-36 - 47 Month Regular Certificate
3.00%-$100k6 - 11 Month Regular Dedicated Savings Certificate
3.00%-$100k36 - 47 Month Regular Dedicated Savings Certificate
3.00%$500-6 - 11 Month HSA Certificate
3.00%$500-36 - 47 Month HSA Certificate
3.00%-$100k6 - 11 Month HSA Dedicated Savings Certificate
3.00%-$100k36 - 47 Month HSA Dedicated Savings Certificate
3.00%$500-6 - 11 Month Regular Ladder Certificate
3.00%$500-36 - 47 Month Regular Ladder Certificate
3.00%$500-6 - 11 Month HSA Ladder Certificate
3.00%$500-36 - 47 Month HSA Ladder Certificate
3.00%-$100kBusiness 6 - 11 Month Regular Dedicated Savings Certificate
3.00%$500-Business 6 - 11 Month Regular Certificate
3.00%$500-Business 6 - 11 Month Regular Ladder Certificate
3.00%-$100kBusiness 36 - 47 Month Regular Dedicated Savings Certificate
3.00%$500-Business 36 - 47 Month Regular Certificate
3.00%$500-Business 36 - 47 Month Regular Ladder Certificate
2.90%$500-30 - 35 Month Regular Certificate
2.90%-$100k30 - 35 Month Regular Dedicated Savings Certificate
2.90%$500-30 - 35 Month HSA Certificate
2.90%-$100k30 - 35 Month HSA Dedicated Savings Certificate
2.90%$500-30 - 35 Month Regular Ladder Certificate
2.90%$500-30 - 35 Month HSA Ladder Certificate
2.90%-$100kBusiness 30 - 35 Month Regular Dedicated Savings Certificate
2.90%$500-Business 30 - 35 Month Regular Certificate
2.90%$500-Business 30 - 35 Month Regular Ladder Certificate
2.85%$500-6 - 11 Month Bump-Rate Certificate
2.85%$500-36 - 47 Month Bump-Rate Certificate
2.85%$500-6 - 11 Month HSA Bump-Rate Certificate
2.85%$500-36 - 47 Month HSA Bump-Rate Certificate
2.85%$500-6 - 11 Month Bump-Rate Ladder Certificate
2.85%$500-36 - 47 Month Bump-Rate Ladder Certificate
2.85%$500-6 - 11 Month HSA Bump-Rate Ladder Certificate
2.85%$500-36 - 47 Month HSA Bump-Rate Ladder Certificate
2.85%$500-Business 6 - 11 Month Bump-Rate Certificate
2.85%$500-Business 6 - 11 Month Bump-Rate Ladder Certificate
2.85%$500-Business 36 - 47 Month Bump-Rate Certificate
2.85%$500-Business 36 - 47 Month Bump-Rate Ladder Certificate
2.75%$500-24 - 29 Month Regular Certificate
2.75%-$100k24 - 29 Month Regular Dedicated Savings Certificate
2.75%$500-24 - 29 Month HSA Certificate
2.75%-$100k24 - 29 Month HSA Dedicated Savings Certificate
2.75%$500-30 - 35 Month Bump-Rate Certificate
2.75%$500-30 - 35 Month HSA Bump-Rate Certificate
2.75%$500-24 - 29 Month Regular Ladder Certificate
2.75%$500-30 - 35 Month Bump-Rate Ladder Certificate
2.75%$500-24 - 29 Month HSA Ladder Certificate
2.75%$500-30 - 35 Month HSA Bump-Rate Ladder Certificate
2.75%-$100kBusiness 24 - 29 Month Regular Dedicated Savings Certificate
2.75%$500-Business 24 - 29 Month Regular Certificate
2.75%$500-Business 24 - 29 Month Regular Ladder Certificate
2.75%$500-Business 30 - 35 Month Bump-Rate Certificate
2.75%$500-Business 30 - 35 Month Bump-Rate Ladder Certificate
2.60%$500-24 - 29 Month Bump-Rate Certificate
2.60%$500-24 - 29 Month HSA Bump-Rate Certificate
2.60%$500-24 - 29 Month Bump-Rate Ladder Certificate
2.60%$500-24 - 29 Month HSA Bump-Rate Ladder Certificate
2.60%$500-Business 24 - 29 Month Bump-Rate Certificate
2.60%$500-Business 24 - 29 Month Bump-Rate Ladder Certificate
2.50%$500-12 - 23 Month Regular Certificate
2.50%-$100k12 - 23 Month Regular Dedicated Savings Certificate
2.50%$500-12 - 23 Month HSA Certificate
2.50%-$100k12 - 23 Month HSA Dedicated Savings Certificate
2.50%$500-12 - 23 Month Regular Ladder Certificate
2.50%$500-12 - 23 Month HSA Ladder Certificate
2.50%-$100kBusiness 12 - 23 Month Regular Dedicated Savings Certificate
2.50%$500-Business 12 - 23 Month Regular Certificate
2.50%$500-Business 12 - 23 Month Regular Ladder Certificate
2.35%$500-12 - 23 Month Bump-Rate Certificate
2.35%$500-12 - 23 Month HSA Bump-Rate Certificate
2.35%$500-12 - 23 Month Bump-Rate Ladder Certificate
2.35%$500-12 - 23 Month HSA Bump-Rate Ladder Certificate
2.35%$500-Business 12 - 23 Month Bump-Rate Certificate
2.35%$500-Business 12 - 23 Month Bump-Rate Ladder Certificate
2.30%$500$100k12 Month Flexible Certificate
2.30%$500$100kBusiness 12 Month Flexible Certificate
1.25%$500-3 - 5 Month Regular Certificate
1.25%-$100k3 - 5 Month Regular Dedicated Savings Certificate
1.25%$500-3 - 5 Month HSA Certificate
1.25%-$100k3 - 5 Month HSA Dedicated Savings Certificate
1.25%$500-3 - 5 Month Regular Ladder Certificate
1.25%$500-3 - 5 Month HSA Ladder Certificate
1.25%-$100kBusiness 3 - 5 Month Regular Dedicated Savings Certificate
1.25%$500-Business 3 - 5 Month Regular Certificate
1.25%$500-Business 3 - 5 Month Regular Ladder Certificate
1.10%$500-3 - 5 Month Bump-Rate Certificate
1.10%$500-3 - 5 Month HSA Bump-Rate Certificate
1.10%$500-3 - 5 Month Bump-Rate Ladder Certificate
1.10%$500-3 - 5 Month HSA Bump-Rate Ladder Certificate
1.10%$500-Business 3 - 5 Month Bump-Rate Certificate
1.10%$500-Business 3 - 5 Month Bump-Rate Ladder Certificate

America First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%-$100k60 Month IRA Dedicated Savings IRA Certificate
3.50%$500-60 Month Regular IRA Certificate
3.50%$500-60 Month Regular Ladder IRA Certificate
3.35%$500-60 Month Bump-Rate IRA Certificate
3.35%$500-60 Month Bump-Rate Ladder IRA Certificate
3.25%-$100k48 - 59 Month IRA Dedicated Savings IRA Certificate
3.25%$500-48 - 59 Month Regular IRA Certificate
3.25%$500-48 - 59 Month Regular Ladder IRA Certificate
3.10%$500-48 - 59 Month Bump-Rate IRA Certificate
3.10%$500-48 - 59 Month Bump-Rate Ladder IRA Certificate
3.00%-$100k6 - 11 Month IRA Dedicated Savings IRA Certificate
3.00%-$100k36 - 47 Month IRA Dedicated Savings IRA Certificate
3.00%$500-6 - 11 Month Regular IRA Certificate
3.00%$500-6 - 11 Month Regular Ladder IRA Certificate
3.00%$500-36 - 47 Month Regular IRA Certificate
3.00%$500-36 - 47 Month Regular Ladder IRA Certificate
2.90%$500-30 - 35 Month IRA Certificate
2.90%-$100k30 - 35 Month Regular Dedicated Savings IRA Certificate
2.90%$500-30 - 35 Month Regular Ladder IRA Certificate
2.85%$500-6 - 11 Month Bump-Rate IRA Certificate
2.85%$500-6 - 11 Month Bump-Rate Ladder IRA Certificate
2.85%$500-36 - 47 Month Bump-Rate IRA Certificate
2.85%$500-36 - 47 Month Bump-Rate Ladder IRA Certificate
2.75%-$100k24 - 29 Month IRA Dedicated Savings IRA Certificate
2.75%$500-24 - 29 Month Regular IRA Certificate
2.75%$500-24 - 29 Month Regular Ladder IRA Certificate
2.75%$500-30 - 35 Month Bump-Rate Ladder IRA Certificate
2.75%$500-30 - 35 Month Bump-Rate IRA Certificate
2.60%$500-24 - 29 Month Bump-Rate IRA Certificate
2.60%$500-24 - 29 Month Bump-Rate Ladder IRA Certificate
2.50%-$100k12 - 23 Month IRA Dedicated Savings IRA Certificate
2.50%$500-12 - 23 Month Regular IRA Certificate
2.50%$500-12 - 23 Month Regular Ladder IRA Certificate
2.35%$500-12 - 23 Month Bump-Rate IRA Certificate
2.35%$500-12 - 23 Month Bump-Rate Ladder IRA Certificate
1.25%-$100k3 - 5 Month IRA Dedicated Savings IRA Certificate
1.25%$500-3 - 5 Month Regular IRA Certificate
1.25%$500-3 - 5 Month Regular Ladder IRA Certificate
1.10%$500-3 - 5 Month Bump-Rate IRA Certificate
1.10%$500-3 - 5 Month Bump-Rate Ladder IRA Certificate
Locations

Availability



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.