Featured Savings Rates
Featured Accounts

America First Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.55%5-year CD60 Month Regular Dedicated Savings Certificate
2.55%5-year IRA60 Month IRA Dedicated Savings IRA Certificate (Traditional, CESA)
1.06%1-year CD12 Month Flexible Certificate

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

America First 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 June of 2017, it had grown to 2,562 employees and 861,285 members at 127 locations. America First Credit Union's savings rates are 63% higher than 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 CU (UT) Raises 60-Month CD Rate - 5/1/2017

American First CU (UT) various 60-month Certificates (Regular, Dedicated Savings, Bump, Ladder, and IRA) currently earn 2.55% APY. Min deposit is $500.

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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.

Best bank that I have ever dealt with.

This credit union took care of all of my immediate family's needs as well as much of my extended family. I also had many friends that trust their finances with this institution as well. There was some fraud that occurred on our checking account a couple of times, and they made it really easy to go in and report the fraud and return the funds to our account as well as get us new debit cards super fast. Their online features made it really convenient and easy to do banking without having to go into a location and transfer funds between accounts. They had us on a great set-up where if we accidentally went over in our checking account, it would pull from another one of our accounts so we wouldn't ever have a fee. They are very community oriented and even sponsored a team for Ragnar, a relay race, I was on.

Excellent customer service

We have banked with America First for the 12 years we have been married. We have a savings and a checking account with them. We have always been impressed with their customer service. Any time we have had any issues, they happily resolve them in a professional manner. We always feel that they are trustworthy and are looking out for our best interests. Overall, I would highly recommend America's First and have done so with my family.

America First Puts Customer Service First, but isn't very competitive

I've been with America First Credit Union for over 4 years now. In that time, things have been pretty steadily good. Our interactions with the staff, however, has been pretty phenomenal. They are always very attentive at their locations and have always been extremely friendly. I live in a friendly city, but they are more than normal and it's a breath of fresh air to get an institution that treats you so nicely. As far as the banking aspects, however, they don't offer the most competitive rates when compared to an online bank. Their web experience is not too shabby, but their mobile experience could use some revision. It's just really hard to navigate and doesn't contain all the features that are accessible if you were to use their website.

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Health

Health Grade Components

Overall
NCUA #24694
Year Chartered1939
Employees2562
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD10.95%
Annual Interest Income$145.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$8.94B$7.72B
LoansQ2 2017vs Q2 2016$6.39B$5.51B
DepositsQ2 2017vs Q2 2016$7.88B$6.78B
Equity CapitalQ2 2017vs Q2 2016$893.2MM$807.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$92.3MM$87.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$56.5MM$33.5MM
Real Estate OwnedQ2 2017vs Q2 2016$28.9MM$31.9MM
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
0.85%*-$500Student Savings
OTHER TIERS: 0.10% $1k+ | 0.75% $500 - $1k
0.25%--IRA Accumulator
0.10%--Share Savings
0.10%--Business Share Savings
0.10%--HSA Share Savings

America First Credit Union Money Market 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%*$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%*$2k*-HSA Money Market Checking
OTHER TIERS: 0.05% $500 - $2k
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

America First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-High-Yield Business Checking
OTHER TIERS: 0.05% $10k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.05%--Non-Profit Business Checking
0.05%$500-Regular Checking

America First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$500-60 Month Regular Certificate
2.55%-$100k60 Month Regular Dedicated Savings Certificate
2.55%$500-60 Month Bump-Rate Certificate
2.55%$500-60 Month Bump-Rate Ladder Certificate
2.55%$500-60 Month Regular Ladder Certificate
2.55%$500-Business 60 Month Bump-Rate Certificate
2.55%$500-Business 60 Month Bump-Rate Ladder Certificate
2.55%-$100kBusiness 60 Month Regular Dedicated Savings Certificate
2.55%$500-Business 60 Month Regular Certificate
2.55%$500-Business 60 Month Regular Ladder Certificate
2.00%$500-48 - 59 Month Regular Certificate
2.00%-$100k48 - 59 Month Regular Dedicated Savings Certificate
2.00%$500-48 - 59 Month Bump-Rate Certificate
2.00%$500-48 - 59 Month Bump-Rate Ladder Certificate
2.00%$500-48 - 59 Month Regular Ladder Certificate
2.00%$500-Business 48 - 59 Month Bump-Rate Certificate
2.00%$500-Business 48 - 59 Month Bump-Rate Ladder Certificate
2.00%-$100kBusiness 48 - 59 Month Regular Dedicated Savings Certificate
2.00%$500-Business 48 - 59 Month Regular Certificate
2.00%$500-Business 48 - 59 Month Regular Ladder Certificate
1.75%$500-36 - 47 Month Regular Certificate
1.75%-$100k36 - 47 Month Regular Dedicated Savings Certificate
1.75%$500-36 - 47 Month Bump-Rate Certificate
1.75%$500-36 - 47 Month Bump-Rate Ladder Certificate
1.75%$500-36 - 47 Month Regular Ladder Certificate
1.75%$500-Business 36 - 47 Month Bump-Rate Certificate
1.75%$500-Business 36 - 47 Month Bump-Rate Ladder Certificate
1.75%-$100kBusiness 36 - 47 Month Regular Dedicated Savings Certificate
1.75%$500-Business 36 - 47 Month Regular Certificate
1.75%$500-Business 36 - 47 Month Regular Ladder Certificate
1.60%$500-30 - 35 Month Regular Certificate
1.60%-$100k30 - 35 Month Regular Dedicated Savings Certificate
1.60%$500-30 - 35 Month Bump-Rate Certificate
1.60%$500-30 - 35 Month Bump-Rate Ladder Certificate
1.60%$500-30 - 35 Month Regular Ladder Certificate
1.60%$500-Business 30 - 35 Month Bump-Rate Certificate
1.60%$500-Business 30 - 35 Month Bump-Rate Ladder Certificate
1.60%-$100kBusiness 30 - 35 Month Regular Dedicated Savings Certificate
1.60%$500-Business 30 - 35 Month Regular Certificate
1.60%$500-Business 30 - 35 Month Regular Ladder Certificate
1.50%$500-24 - 29 Month Regular Certificate
1.50%-$100k24 - 29 Month Regular Dedicated Savings Certificate
1.50%$500-24 - 29 Month Bump-Rate Certificate
1.50%$500-24 - 29 Month Bump-Rate Ladder Certificate
1.50%$500-24 - 29 Month Regular Ladder Certificate
1.50%$500-Business 24 - 29 Month Bump-Rate Certificate
1.50%$500-Business 24 - 29 Month Bump-Rate Ladder Certificate
1.50%-$100kBusiness 24 - 29 Month Regular Dedicated Savings Certificate
1.50%$500-Business 24 - 29 Month Regular Certificate
1.50%$500-Business 24 - 29 Month Regular Ladder Certificate
1.25%$500-12 - 23 Month Regular Certificate
1.25%-$100k12 - 23 Month Regular Dedicated Savings Certificate
1.25%$500-12 - 23 Month Bump-Rate Certificate
1.25%$500-12 - 23 Month Bump-Rate Ladder Certificate
1.25%$500-12 - 23 Month Regular Ladder Certificate
1.25%$500-Business 12 - 23 Month Bump-Rate Certificate
1.25%$500-Business 12 - 23 Month Bump-Rate Ladder Certificate
1.25%-$100kBusiness 12 - 23 Month Regular Dedicated Savings Certificate
1.25%$500-Business 12 - 23 Month Regular Certificate
1.25%$500-Business 12 - 23 Month Regular Ladder Certificate
1.06%$500$100k12 Month Flexible Certificate
1.06%$500$100kBusiness 12 Month Flexible Certificate
0.75%$500-6 - 11 Month Regular Certificate
0.75%-$100k6 - 11 Month Regular Dedicated Savings Certificate
0.75%$500-6 - 11 Month Bump-Rate Certificate
0.75%$500-6 - 11 Month Bump-Rate Ladder Certificate
0.75%$500-6 - 11 Month Regular Ladder Certificate
0.75%$500-Business 6 - 11 Month Bump-Rate Certificate
0.75%$500-Business 6 - 11 Month Bump-Rate Ladder Certificate
0.75%-$100kBusiness 6 - 11 Month Regular Dedicated Savings Certificate
0.75%$500-Business 6 - 11 Month Regular Certificate
0.75%$500-Business 6 - 11 Month Regular Ladder Certificate
0.50%$500-3 - 5 Month Regular Certificate
0.50%-$100k3 - 5 Month Regular Dedicated Savings Certificate
0.50%$500-3 - 5 Month Bump-Rate Certificate
0.50%$500-3 - 5 Month Bump-Rate Ladder Certificate
0.50%$500-3 - 5 Month Regular Ladder Certificate
0.50%$500-Business 3 - 5 Month Bump-Rate Certificate
0.50%$500-Business 3 - 5 Month Bump-Rate Ladder Certificate
0.50%-$100kBusiness 3 - 5 Month Regular Dedicated Savings Certificate
0.50%$500-Business 3 - 5 Month Regular Certificate
0.50%$500-Business 3 - 5 Month Regular Ladder Certificate

America First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%-$100k60 Month IRA Dedicated Savings IRA Certificate
2.55%$500-60 Month Bump-Rate IRA Certificate
2.55%$500-60 Month Bump-Rate Ladder IRA Certificate
2.55%$500-60 Month Regular IRA Certificate
2.55%$500-60 Month Regular Ladder IRA Certificate
2.00%-$100k48 - 59 Month IRA Dedicated Savings IRA Certificate
2.00%$500-48 - 59 Month Bump-Rate IRA Certificate
2.00%$500-48 - 59 Month Bump-Rate Ladder IRA Certificate
2.00%$500-48 - 59 Month Regular IRA Certificate
2.00%$500-48 - 59 Month Regular Ladder IRA Certificate
1.75%-$100k36 - 47 Month IRA Dedicated Savings IRA Certificate
1.75%$500-36 - 47 Month Bump-Rate IRA Certificate
1.75%$500-36 - 47 Month Bump-Rate Ladder IRA Certificate
1.75%$500-36 - 47 Month Regular IRA Certificate
1.75%$500-36 - 47 Month Regular Ladder IRA Certificate
1.60%$500-30 - 35 Month IRA Certificate
1.60%$500-30 - 35 Month Bump-Rate Ladder IRA Certificate
1.60%-$100k30 - 35 Month Regular Dedicated Savings IRA Certificate
1.60%$500-30 - 35 Month Regular Ladder IRA Certificate
1.60%$500-30 - 35 Month Bump-Rate IRA Certificate
1.50%-$100k24 - 29 Month IRA Dedicated Savings IRA Certificate
1.50%$500-24 - 29 Month Bump-Rate IRA Certificate
1.50%$500-24 - 29 Month Bump-Rate Ladder IRA Certificate
1.50%$500-24 - 29 Month Regular IRA Certificate
1.50%$500-24 - 29 Month Regular Ladder IRA Certificate
1.25%-$100k12 - 23 Month IRA Dedicated Savings IRA Certificate
1.25%$500-12 - 23 Month Regular IRA Certificate
1.25%$500-12 - 23 Month Regular Ladder IRA Certificate
1.25%$500-12 - 23 Month Bump-Rate IRA Certificate
1.25%$500-12 - 23 Month Bump-Rate Ladder IRA Certificate
0.75%-$100k6 - 11 Month IRA Dedicated Savings IRA Certificate
0.75%$500-6 - 11 Month Bump-Rate IRA Certificate
0.75%$500-6 - 11 Month Bump-Rate Ladder IRA Certificate
0.75%$500-6 - 11 Month Regular IRA Certificate
0.75%$500-6 - 11 Month Regular Ladder IRA Certificate
0.50%-$100k3 - 5 Month IRA Dedicated Savings IRA Certificate
0.50%$500-3 - 5 Month Bump-Rate IRA Certificate
0.50%$500-3 - 5 Month Bump-Rate Ladder IRA Certificate
0.50%$500-3 - 5 Month Regular IRA Certificate
0.50%$500-3 - 5 Month Regular Ladder IRA Certificate
Locations

Availability