Featured Savings Rates
Featured Accounts

America First Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.30%5-year CD60 Month Regular Dedicated Savings Certificate
2.30%5-year IRA60 Month IRA Dedicated Savings IRA Certificate (Traditional, CESA)
0.80%1-year CD12 Month Flexible Certificate

Overview / Commentary
801-627-0900
4774 S 1300 W Bldg 3
Riverdale, UT 84405-3621

America First Federal Credit Union is headquartered in Riverdale and is the largest credit union in the state of Utah. It is also the 11th largest credit union in the nation. It was established in 1939 and as of March of 2016, it had grown to 2,293 employees and 761,507 members at 120 locations. America First Federal Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work (or regularly conduct business in), 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. Owners, employees, suppliers and their employees, or associated companies and their employees involved in the food industry, in Utah; employee, or member of a Select Employee Group (SEG) or of an affiliated association in Utah; member of the immediate family or household of an existing member or those eligible for membership are also eligible to join.
See current membership details

Related Posts

America First CU (UT/NV) Offers Competitive 60-Month CDs - 3/12/2016

America First Credit Union (UT/NV)is offering a variety of 60-month Certificates that earn 2.30% APY. Minimum deposit on most of these Certificates is $500, with no balance cap.

2.30% APY 5Y CD; Great EWP, Interesting Membership Qualification! - 2/25/2016

This 2.30% APY 5 year CD, EWP=3 months, $500 minimum, is being offered by Utah based America First Credit Union.  Bankaholic reports membership is Centered mostly on the greater Las Vegas and Salt Lake City areas, savers living and working in a handful of Utah and Nevada counties are eligible, as are the employees of a long list of affiliated employers. But savers from other parts of the country have a potential way in as well. If you’re a family member of someone eligible for membership, you can join yourself, even if your eligible family member doesn’t join. Read more:

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An Excellent Bank

Posted by: Anonymous | Jun 30, 2012

Contrary to these other reviewers, I actually have had a terrific experience banking with America First. I got my first loan from them while still in high school, which was only made possible by their ability to underwrite their own loans. In my early twenties, I came into financial struggles that could've have damaged my credit, but America First actually under-reported the payments I missed and cut me a break. I love their online bill pay and find that their online services are quite good (you can even export all your online transaction data to spreadsheets or Quicken files, in case you manage your money with those tools).

Never A Had A Problem Yet

Posted by: Anonymous | May 29, 2012

I have never had a problem with them. They have always been helpful and good to work with.

America First Credit Union - Putting Customers First

Posted by: db415 | Jun 4, 2015

One thing that sets AFCU apart from other credit unions that I have used in the past is the level of customer service. They really do put the customer first. It was a breeze to open a new shared savings account for my 1 year old son, and it was even easier to add my wife as a joint owner of my saving and checking accounts after we got married. The customer service representatives were very friendly and "held our hands" as we went through the process.

I am also impressed by their mobile banking app. AFCU is located predominately in Utah, and since I no longer live in the region, having an efficient mobile app to access my savings and checking accounts is a must. The app allows you to access all of your accounts, transfer money, and deposit checks.

My one area of complaint is the fairly small savings rate within their money market and shared savings account. I am currently only earning .09% interest which seems to be lower than other credit unions or online banks. If this rate was raised to be a little more competitive, I would have absolutely no complaints about my time with AFCU.

If customer service is what you are after, definitely take a look at AFCU!

Horrible Bank, Poor Service

Posted by: zdrast | Mar 16, 2012

When I lost my card it took them an entire month to issue me a new one. They apologized for the screw up and blamed it on the manufacturer but I had to do a month without my debit and a month without money.  When I tried to contact customer service a new person would answer every time, a new person that didn't know anything about my case. I had to explain it all over again. "It should be here in a few days," they said. It showed up a month later! That meant no food for a month because most places don't take checks. Horrible bank.

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Health
A

Health Grade Components

Overall
NCUA #24694
Year Chartered1939
Employees2293
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD11.67%
Annual Interest Income$61.6MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$7.55B$6.78B
LoansQ1 2016vs Q1 2015$5.24B$4.53B
DepositsQ1 2016vs Q1 2015$6.63B$5.95B
Equity CapitalQ1 2016vs Q1 2015$787.6MM$687.0MM
Loan Loss AllowanceQ1 2016vs Q1 2015$80.6MM$81.9MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$44.3MM$53.2MM
Real Estate OwnedQ1 2016vs Q1 2015$33.5MM$27.9MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not America First Federal 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 Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$25k*-HSA Money Market Savings
OTHER TIERS: 0.10% Up to $5k | 0.30% $5k - $10k | 0.50% $10k - $25k
0.30%*$2k*-HSA Money Market Checking
OTHER TIERS: 0.05% $500 - $2k
0.25%--IRA Accumulator
0.25%--CESA Accumulator
0.10%--Share Savings
0.10%$25-Business Share Savings
0.10%--HSA Share Savings

America First Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Money Market Savings
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.30%*$250k*-Business Money Market Savings
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.20%*$100k*-Money Market Checking
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.20%*$100k*-Business Money Market Checking
OTHER TIERS: 0.05% $10k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k

America First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$500-30 - 35 Month Bump-Rate Certificate Account
0.05%$500-Free Checking

America First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%$500-60 Month Regular Certificate
2.30%-$100k60 Month Regular Dedicated Savings Certificate
2.30%$500-60 Month HSA Certificate
2.30%-$100k60 Month HSA Dedicated Savings Certificate
2.30%$500-60 Month Bump-Rate Certificate
2.30%$500-60 Month HSA Bump-Rate Certificate
2.30%$500-60 Month Bump-Rate Ladder Certificate
2.30%$500-60 Month Regular Ladder Certificate
2.30%$500-60 Month HSA Bump-Rate Ladder Certificate
2.30%$500-60 Month HSA Ladder Certificate
2.30%$500-Business 60 Month Bump-Rate Certificate
2.30%$500-Business 60 Month Bump-Rate Ladder Certificate
2.30%-$100kBusiness 60 Month Regular Dedicated Savings Certificate
2.30%$500-Business 60 Month Regular Certificate
2.30%$500-Business 60 Month Regular Ladder Certificate
1.75%$500-48 - 59 Month Regular Certificate
1.75%-$100k48 - 59 Month Regular Dedicated Savings Certificate
1.75%$500-48 - 59 Month HSA Certificate
1.75%-$100k48 - 59 Month HSA Dedicated Savings Certificate
1.75%$500-48 - 59 Month Bump-Rate Certificate
1.75%$500-48 - 59 Month HSA Bump-Rate Certificate
1.75%$500-48 - 59 Month Bump-Rate Ladder Certificate
1.75%$500-48 - 59 Month Regular Ladder Certificate
1.75%$500-48 - 59 Month HSA Bump-Rate Ladder Certificate
1.75%$500-48 - 59 Month HSA Ladder Certificate
1.75%$500-Business 48 - 59 Month Bump-Rate Certificate
1.75%$500-Business 48 - 59 Month Bump-Rate Ladder Certificate
1.75%-$100kBusiness 48 - 59 Month Regular Dedicated Savings Certificate
1.75%$500-Business 48 - 59 Month Regular Certificate
1.75%$500-Business 48 - 59 Month Regular Ladder Certificate
1.50%$500-36 - 47 Month Regular Certificate
1.50%-$100k36 - 47 Month Regular Dedicated Savings Certificate
1.50%$500-36 - 47 Month HSA Certificate
1.50%-$100k36 - 47 Month HSA Dedicated Savings Certificate
1.50%$500-36 - 47 Month Bump-Rate Certificate
1.50%$500-36 - 47 Month HSA Bump-Rate Certificate
1.50%$500-36 - 47 Month Bump-Rate Ladder Certificate
1.50%$500-36 - 47 Month Regular Ladder Certificate
1.50%$500-36 - 47 Month HSA Bump-Rate Ladder Certificate
1.50%$500-36 - 47 Month HSA Ladder Certificate
1.50%$500-Business 36 - 47 Month Bump-Rate Certificate
1.50%$500-Business 36 - 47 Month Bump-Rate Ladder Certificate
1.50%-$100kBusiness 36 - 47 Month Regular Dedicated Savings Certificate
1.50%$500-Business 36 - 47 Month Regular Certificate
1.50%$500-Business 36 - 47 Month Regular Ladder Certificate
1.35%$500-30 - 35 Month Regular Certificate
1.35%-$100k30 - 35 Month Regular Dedicated Savings Certificate
1.35%$500-30 - 35 Month HSA Certificate
1.35%-$100k30 - 35 Month HSA Dedicated Savings Certificate
1.35%$500-30 - 35 Month Bump-Rate Certificate
1.35%$500-30 - 35 Month HSA Bump-Rate Certificate
1.35%$500-30 - 35 Month Bump-Rate Ladder Certificate
1.35%$500-30 - 35 Month Regular Ladder Certificate
1.35%$500-30 - 35 Month HSA Bump-Rate Ladder Certificate
1.35%$500-30 - 35 Month HSA Ladder Certificate
1.35%$500-Business 30 - 35 Month Bump-Rate Certificate
1.35%$500-Business 30 - 35 Month Bump-Rate Ladder Certificate
1.35%-$100kBusiness 30 - 35 Month Regular Dedicated Savings Certificate
1.35%$500-Business 30 - 35 Month Regular Certificate
1.35%$500-Business 30 - 35 Month Regular Ladder Certificate
1.25%$500-24 - 29 Month Regular Certificate
1.25%-$100k24 - 29 Month Regular Dedicated Savings Certificate
1.25%$500-24 - 29 Month HSA Certificate
1.25%-$100k24 - 29 Month HSA Dedicated Savings Certificate
1.25%$500-24 - 29 Month Bump-Rate Certificate
1.25%$500-24 - 29 Month HSA Bump-Rate Certificate
1.25%$500-24 - 29 Month Bump-Rate Ladder Certificate
1.25%$500-24 - 29 Month Regular Ladder Certificate
1.25%$500-24 - 29 Month HSA Bump-Rate Ladder Certificate
1.25%$500-24 - 29 Month HSA Ladder Certificate
1.25%$500-Business 24 - 29 Month Bump-Rate Certificate
1.25%$500-Business 24 - 29 Month Bump-Rate Ladder Certificate
1.25%-$100kBusiness 24 - 29 Month Regular Dedicated Savings Certificate
1.25%$500-Business 24 - 29 Month Regular Certificate
1.25%$500-Business 24 - 29 Month Regular Ladder Certificate
1.00%$500-12 - 23 Month Regular Certificate
1.00%-$100k12 - 23 Month Regular Dedicated Savings Certificate
1.00%$500-12 - 23 Month HSA Certificate
1.00%-$100k12 - 23 Month HSA Dedicated Savings Certificate
1.00%$500-12 - 17 Month Bump-Rate Certificate
1.00%$500-12 - 17 Month HSA Bump-Rate Certificate
1.00%$500-12 - 17 Month Bump-Rate Ladder Certificate
1.00%$500-12 - 23 Month Regular Ladder Certificate
1.00%$500-12 - 17 Month HSA Bump-Rate Ladder Certificate
1.00%$500-12 - 23 Month HSA Ladder Certificate
1.00%$500-Business 12 - 23 Month Bump-Rate Certificate
1.00%$500-Business 12 - 23 Month Bump-Rate Ladder Certificate
1.00%-$100kBusiness 12 - 23 Month Regular Dedicated Savings Certificate
1.00%$500-Business 12 - 23 Month Regular Certificate
1.00%$500-Business 12 - 23 Month Regular Ladder Certificate
0.80%$500$100k12 Month Flexible Certificate
0.80%$500$100kBusiness 12 Month Flexible Certificate
0.50%$500-6 - 11 Month Regular Certificate
0.50%-$100k6 - 11 Month Regular Dedicated Savings Certificate
0.50%$500-6 - 11 Month HSA Certificate
0.50%-$100k6 - 11 Month HSA Dedicated Savings Certificate
0.50%$500-6 - 11 Month Bump-Rate Certificate
0.50%$500-6 - 11 Month HSA Bump-Rate Certificate
0.50%$500-6 - 11 Month Bump-Rate Ladder Certificate
0.50%$500-6 - 11 Month Regular Ladder Certificate
0.50%$500-6 - 11 Month HSA Bump-Rate Ladder Certificate
0.50%$500-6 - 11 Month HSA Ladder Certificate
0.50%$500-Business 6 - 11 Month Bump-Rate Certificate
0.50%$500-Business 6 - 11 Month Bump-Rate Ladder Certificate
0.50%-$100kBusiness 6 - 11 Month Regular Dedicated Savings Certificate
0.50%$500-Business 6 - 11 Month Regular Certificate
0.50%$500-Business 6 - 11 Month Regular Ladder Certificate
0.25%$500-3 - 5 Month Regular Certificate
0.25%-$100k3 - 5 Month Regular Dedicated Savings Certificate
0.25%$500-3 - 5 Month HSA Certificate
0.25%-$100k3 - 5 Month HSA Dedicated Savings Certificate
0.25%$500-3 - 5 Month Bump-Rate Certificate
0.25%$500-3 - 5 Month HSA Bump-Rate Certificate
0.25%$500-3 - 5 Month Bump-Rate Ladder Certificate
0.25%$500-3 - 5 Month Regular Ladder Certificate
0.25%$500-3 - 5 Month HSA Bump-Rate Ladder Certificate
0.25%$500-3 - 5 Month HSA Ladder Certificate
0.25%$500-Business 3 - 5 Month Bump-Rate Certificate
0.25%$500-Business 3 - 5 Month Bump-Rate Ladder Certificate
0.25%-$100kBusiness 3 - 5 Month Regular Dedicated Savings Certificate
0.25%$500-Business 3 - 5 Month Regular Certificate
0.25%$500-Business 3 - 5 Month Regular Ladder Certificate

America First Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%-$100k60 Month IRA Dedicated Savings IRA Certificate
2.30%$500-60 Month Bump-Rate IRA Certificate
2.30%$500-60 Month Bump-Rate Ladder IRA Certificate
2.30%$500-60 Month Regular IRA Certificate
2.30%$500-60 Month Regular Ladder IRA Certificate
1.75%-$100k48 - 59 Month IRA Dedicated Savings IRA Certificate
1.75%$500-48 - 59 Month Bump-Rate IRA Certificate
1.75%$500-48 - 59 Month Bump-Rate Ladder IRA Certificate
1.75%$500-48 - 59 Month Regular IRA Certificate
1.75%$500-48 - 59 Month Regular Ladder IRA Certificate
1.50%-$100k36 - 47 Month IRA Dedicated Savings IRA Certificate
1.50%$500-36 - 47 Month Bump-Rate IRA Certificate
1.50%$500-36 - 47 Month Bump-Rate Ladder IRA Certificate
1.50%$500-36 - 47 Month Regular IRA Certificate
1.50%$500-36 - 47 Month Regular Ladder IRA Certificate
1.35%$500-30 - 35 Month IRA Certificate
1.35%$500-30 - 35 Month Bump-Rate Ladder IRA Certificate
1.35%-$100k30 - 35 Month Regular Dedicated Savings IRA Certificate
1.35%$500-30 - 35 Month Regular Ladder IRA Certificate
1.25%-$100k24 - 29 Month IRA Dedicated Savings IRA Certificate
1.25%$500-24 - 29 Month Bump-Rate IRA Certificate
1.25%$500-24 - 29 Month Bump-Rate Ladder IRA Certificate
1.25%$500-24 - 29 Month Regular IRA Certificate
1.25%$500-24 - 29 Month Regular Ladder IRA Certificate
1.00%-$100k12 - 23 Month IRA Dedicated Savings IRA Certificate
1.00%$500-12 - 17 Month Bump-Rate IRA Certificate
1.00%$500-12 - 17 Month Bump-Rate Ladder IRA Certificate
1.00%$500-12 - 23 Month Regular IRA Certificate
1.00%$500-12 - 23 Month Regular Ladder IRA Certificate
0.50%-$100k6 - 11 Month IRA Dedicated Savings IRA Certificate
0.50%$500-6 - 11 Month Bump-Rate IRA Certificate
0.50%$500-6 - 11 Month Bump-Rate Ladder IRA Certificate
0.50%$500-6 - 11 Month Regular IRA Certificate
0.50%$500-6 - 11 Month Regular Ladder IRA Certificate
0.25%-$100k3 - 5 Month IRA Dedicated Savings IRA Certificate
0.25%$500-3 - 5 Month Bump-Rate IRA Certificate
0.25%$500-3 - 5 Month Bump-Rate Ladder IRA Certificate
0.25%$500-3 - 5 Month Regular IRA Certificate
0.25%$500-3 - 5 Month Regular Ladder IRA Certificate
Locations

America First Federal Credit Union has 120 locations. Click to view all America First Federal Credit Union locations.