America First Credit Union


Overview / Commentary
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 8th largest credit union in the nation. It was established in 1939 and as of June of 2020, it had grown to 3,131 employees and 1,129,563 members at 111 locations. America First Credit Union 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

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.

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.

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.

American First Credit Union The Worst Bank

Posted by: |

On October 1, I looked at my account because I had just received my payment and I realized that there were two outstanding charges that I did not make $ 87.50 and $ 549.00, I was terrified and immediately contacted the bank, the clerk said that I would cancel my debit card and that these charges were from someone who used my debit card in another state that is not what I currently live in. On October 2nd I looked at my checking account and the $ 549 charge that was pending was charged! So I immediately went to the bank and the clerk said that I had to wait for them to investigate first and then I would be reimbursed, I was very frustrated because I have a check for more than $ 1000 to pay my rent .. in case I would have to be negative at the bank, I asked her for a provisory debit card so I could use it until my new one gets in my mail, and she informed me that she couldn't make a provisory card because I would have had to go to the bank when it happened and not the next day (even though I called the bank when it happened), she was super rude to me and said that the bank would investigate the charge ... the charges are online from cables and rock auto service and parts ... in short I will be negative and broke until the bank decides to do something in my account. Today I woke up and looked at my account and the $ 87.50 charge also went through. I am very frustrated with this bank and I DO NOT RECOMMEND THAT BANK TO ANYONE, run from that bank, they do not solve your problem and have no empathy for your problem.

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Health

Health Grade Components

Overall
NCUA #24694
Year Chartered1939
Employees3131
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.67%
Annual Interest Income$252.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$13.40B$11.23B
LoansQ2 2020vs Q2 2019$9.81B$8.67B
DepositsQ2 2020vs Q2 2019$11.99B$9.90B
Equity CapitalQ2 2020vs Q2 2019$1.20B$1.14B
Loan Loss AllowanceQ2 2020vs Q2 2019$200.2MM$141.4MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$92.8MM$105.0MM
Real Estate OwnedQ2 2020vs Q2 2019$21.2MM$25.3MM
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
0.50%*-$500Student Savings
OTHER TIERS: 0.05% $1k+ | 0.40% $500 - $1k
0.10%--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
0.15%*$250k*-Money Market Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $250k
0.15%*$50k*-HSA Money Market Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $50k
0.15%*$250k*-Business Money Market Savings
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $250k
0.05%--Money Market Checking
0.05%$500-HSA Money Market Checking

America First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--High-Yield Business Checking
0.05%--Non-Profit Business Checking
0.05%$500-Regular Checking

America First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$500-60 Month Regular Certificate
0.70%-$100k60 Month Regular Dedicated Savings Certificate
0.70%$500-60 Month HSA Certificate
0.70%-$100k60 Month HSA Dedicated Savings Certificate
0.70%$500-60 Month Regular Ladder Certificate
0.70%$500-60 Month HSA Ladder Certificate
0.70%-$100kBusiness 60 Month Regular Dedicated Savings Certificate
0.70%$500-Business 60 Month Regular Certificate
0.70%$500-Business 60 Month Regular Ladder Certificate
0.65%$500-48 - 59 Month Regular Certificate
0.65%-$100k48 - 59 Month Regular Dedicated Savings Certificate
0.65%$500-48 - 59 Month HSA Certificate
0.65%-$100k48 - 59 Month HSA Dedicated Savings Certificate
0.65%$500-48 - 59 Month Regular Ladder Certificate
0.65%$500-48 - 59 Month HSA Ladder Certificate
0.65%-$100kBusiness 48 - 59 Month Regular Dedicated Savings Certificate
0.65%$500-Business 48 - 59 Month Regular Certificate
0.65%$500-Business 48 - 59 Month Regular Ladder Certificate
0.55%$500-60 Month Bump-Rate Certificate
0.55%$500-60 Month HSA Bump-Rate Certificate
0.55%$500-60 Month Bump-Rate Ladder Certificate
0.55%$500-60 Month HSA Bump-Rate Ladder Certificate
0.55%$500-Business 60 Month Bump-Rate Certificate
0.55%$500-Business 60 Month Bump-Rate Ladder Certificate
0.50%$500-36 - 47 Month Regular Certificate
0.50%-$100k36 - 47 Month Regular Dedicated Savings Certificate
0.50%$500-36 - 47 Month HSA Certificate
0.50%-$100k36 - 47 Month HSA Dedicated Savings Certificate
0.50%$500-48 - 59 Month Bump-Rate Certificate
0.50%$500-48 - 59 Month HSA Bump-Rate Certificate
0.50%$500-36 - 47 Month Regular Ladder Certificate
0.50%$500-48 - 59 Month Bump-Rate Ladder Certificate
0.50%$500-36 - 47 Month HSA Ladder Certificate
0.50%$500-48 - 59 Month HSA Bump-Rate Ladder Certificate
0.50%-$100kBusiness 36 - 47 Month Regular Dedicated Savings Certificate
0.50%$500-Business 36 - 47 Month Regular Certificate
0.50%$500-Business 36 - 47 Month Regular Ladder Certificate
0.50%$500-Business 48 - 59 Month Bump-Rate Certificate
0.50%$500-Business 48 - 59 Month Bump-Rate Ladder Certificate
0.45%$500-30 - 35 Month Regular Certificate
0.45%-$100k30 - 35 Month Regular Dedicated Savings Certificate
0.45%$500-30 - 35 Month HSA Certificate
0.45%-$100k30 - 35 Month HSA Dedicated Savings Certificate
0.45%$500-30 - 35 Month Regular Ladder Certificate
0.45%$500-30 - 35 Month HSA Ladder Certificate
0.45%-$100kBusiness 30 - 35 Month Regular Dedicated Savings Certificate
0.45%$500-Business 30 - 35 Month Regular Certificate
0.45%$500-Business 30 - 35 Month Regular Ladder Certificate
0.40%$500-24 - 29 Month Regular Certificate
0.40%-$100k24 - 29 Month Regular Dedicated Savings Certificate
0.40%$500-24 - 29 Month HSA Certificate
0.40%-$100k24 - 29 Month HSA Dedicated Savings Certificate
0.40%$500-24 - 29 Month Regular Ladder Certificate
0.40%$500-24 - 29 Month HSA Ladder Certificate
0.40%-$100kBusiness 24 - 29 Month Regular Dedicated Savings Certificate
0.40%$500-Business 24 - 29 Month Regular Certificate
0.40%$500-Business 24 - 29 Month Regular Ladder Certificate
0.35%$500-12 - 23 Month Regular Certificate
0.35%-$100k12 - 23 Month Regular Dedicated Savings Certificate
0.35%$500-12 - 23 Month HSA Certificate
0.35%-$100k12 - 23 Month HSA Dedicated Savings Certificate
0.35%$500-36 - 47 Month Bump-Rate Certificate
0.35%$500-36 - 47 Month HSA Bump-Rate Certificate
0.35%$500-12 - 23 Month Regular Ladder Certificate
0.35%$500-36 - 47 Month Bump-Rate Ladder Certificate
0.35%$500-12 - 23 Month HSA Ladder Certificate
0.35%$500-36 - 47 Month HSA Bump-Rate Ladder Certificate
0.35%-$100kBusiness 12 - 23 Month Regular Dedicated Savings Certificate
0.35%$500-Business 12 - 23 Month Regular Certificate
0.35%$500-Business 12 - 23 Month Regular Ladder Certificate
0.35%$500-Business 36 - 47 Month Bump-Rate Certificate
0.35%$500-Business 36 - 47 Month Bump-Rate Ladder Certificate
0.30%$500$100k12 Month Flexible Certificate
0.30%$500-30 - 35 Month Bump-Rate Certificate
0.30%$500-30 - 35 Month HSA Bump-Rate Certificate
0.30%$500-30 - 35 Month Bump-Rate Ladder Certificate
0.30%$500-30 - 35 Month HSA Bump-Rate Ladder Certificate
0.30%$500$100kBusiness 12 Month Flexible Certificate
0.30%$500-Business 30 - 35 Month Bump-Rate Certificate
0.30%$500-Business 30 - 35 Month Bump-Rate Ladder Certificate
0.25%$500-6 - 11 Month Regular Certificate
0.25%-$100k6 - 11 Month Regular Dedicated Savings Certificate
0.25%$500-6 - 11 Month HSA Certificate
0.25%-$100k6 - 11 Month HSA Dedicated Savings Certificate
0.25%$500-24 - 29 Month Bump-Rate Certificate
0.25%$500-24 - 29 Month HSA Bump-Rate Certificate
0.25%$500-6 - 11 Month Regular Ladder Certificate
0.25%$500-24 - 29 Month Bump-Rate Ladder Certificate
0.25%$500-6 - 11 Month HSA Ladder Certificate
0.25%$500-24 - 29 Month HSA Bump-Rate Ladder Certificate
0.25%-$100kBusiness 6 - 11 Month Regular Dedicated Savings Certificate
0.25%$500-Business 6 - 11 Month Regular Certificate
0.25%$500-Business 6 - 11 Month Regular Ladder Certificate
0.25%$500-Business 24 - 29 Month Bump-Rate Certificate
0.25%$500-Business 24 - 29 Month Bump-Rate Ladder Certificate
0.20%$500-3 - 5 Month Regular Certificate
0.20%-$100k3 - 5 Month Regular Dedicated Savings Certificate
0.20%$500-3 - 5 Month HSA Certificate
0.20%-$100k3 - 5 Month HSA Dedicated Savings Certificate
0.20%$500-12 - 23 Month Bump-Rate Certificate
0.20%$500-12 - 23 Month HSA Bump-Rate Certificate
0.20%$500-3 - 5 Month Regular Ladder Certificate
0.20%$500-12 - 23 Month Bump-Rate Ladder Certificate
0.20%$500-3 - 5 Month HSA Ladder Certificate
0.20%$500-12 - 23 Month HSA Bump-Rate Ladder Certificate
0.20%-$100kBusiness 3 - 5 Month Regular Dedicated Savings Certificate
0.20%$500-Business 3 - 5 Month Regular Certificate
0.20%$500-Business 3 - 5 Month Regular Ladder Certificate
0.20%$500-Business 12 - 23 Month Bump-Rate Certificate
0.20%$500-Business 12 - 23 Month Bump-Rate Ladder Certificate
0.10%$500-6 - 11 Month Bump-Rate Certificate
0.10%$500-6 - 11 Month HSA Bump-Rate Certificate
0.10%$500-6 - 11 Month Bump-Rate Ladder Certificate
0.10%$500-6 - 11 Month HSA Bump-Rate Ladder Certificate
0.10%$500-Business 6 - 11 Month Bump-Rate Certificate
0.10%$500-Business 6 - 11 Month Bump-Rate Ladder Certificate
0.05%$500-3 - 5 Month Bump-Rate Certificate
0.05%$500-3 - 5 Month HSA Bump-Rate Certificate
0.05%$500-3 - 5 Month Bump-Rate Ladder Certificate
0.05%$500-3 - 5 Month HSA Bump-Rate Ladder Certificate
0.05%$500-Business 3 - 5 Month Bump-Rate Certificate
0.05%$500-Business 3 - 5 Month Bump-Rate Ladder Certificate

America First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%-$100k60 Month IRA Dedicated Savings IRA Certificate
0.70%$500-60 Month Regular IRA Certificate
0.70%$500-60 Month Regular Ladder IRA Certificate
0.65%-$100k48 - 59 Month IRA Dedicated Savings IRA Certificate
0.65%$500-48 - 59 Month Regular IRA Certificate
0.65%$500-48 - 59 Month Regular Ladder IRA Certificate
0.55%$500-60 Month Bump-Rate IRA Certificate
0.55%$500-60 Month Bump-Rate Ladder IRA Certificate
0.50%-$100k36 - 47 Month IRA Dedicated Savings IRA Certificate
0.50%$500-36 - 47 Month Regular IRA Certificate
0.50%$500-36 - 47 Month Regular Ladder IRA Certificate
0.50%$500-48 - 59 Month Bump-Rate IRA Certificate
0.50%$500-48 - 59 Month Bump-Rate Ladder IRA Certificate
0.45%$500-30 - 35 Month IRA Certificate
0.45%-$100k30 - 35 Month Regular Dedicated Savings IRA Certificate
0.45%$500-30 - 35 Month Regular Ladder IRA Certificate
0.40%-$100k24 - 29 Month IRA Dedicated Savings IRA Certificate
0.40%$500-24 - 29 Month Regular IRA Certificate
0.40%$500-24 - 29 Month Regular Ladder IRA Certificate
0.35%-$100k12 - 23 Month IRA Dedicated Savings IRA Certificate
0.35%$500-12 - 23 Month Regular IRA Certificate
0.35%$500-12 - 23 Month Regular Ladder IRA Certificate
0.35%$500-36 - 47 Month Bump-Rate IRA Certificate
0.35%$500-36 - 47 Month Bump-Rate Ladder IRA Certificate
0.30%$500-30 - 35 Month Bump-Rate Ladder IRA Certificate
0.30%$500-30 - 35 Month Bump-Rate IRA Certificate
0.25%-$100k6 - 11 Month IRA Dedicated Savings IRA Certificate
0.25%$500-6 - 11 Month Regular IRA Certificate
0.25%$500-6 - 11 Month Regular Ladder IRA Certificate
0.25%$500-24 - 29 Month Bump-Rate IRA Certificate
0.25%$500-24 - 29 Month Bump-Rate Ladder IRA Certificate
0.20%-$100k3 - 5 Month IRA Dedicated Savings IRA Certificate
0.20%$500-3 - 5 Month Regular IRA Certificate
0.20%$500-3 - 5 Month Regular Ladder IRA Certificate
0.20%$500-12 - 23 Month Bump-Rate IRA Certificate
0.20%$500-12 - 23 Month Bump-Rate Ladder IRA Certificate
0.10%$500-6 - 11 Month Bump-Rate IRA Certificate
0.10%$500-6 - 11 Month Bump-Rate Ladder IRA Certificate
0.05%$500-3 - 5 Month Bump-Rate IRA Certificate
0.05%$500-3 - 5 Month Bump-Rate Ladder IRA Certificate
Locations

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