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America's First Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.amfirst.org
205-320-4185
1200 4th Ave N
Birmingham, AL 35203

America's First Federal Credit Union is headquartered in Birmingham and is the 4th largest credit union in the state of Alabama. It is also the 186th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 420 employees and 193,885 members at 21 locations. America's First Federal Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in America's First Federal Credit Union is open to those who live, work, worship, or attend school in the Alabama counties of Bibb, Blount, Calhoun, Chilton, Coosa, Cullman, Jefferson, Shelby, St. Clair, Talladega, Tallapoosa, or Walker, and certain areas of Mobile County. Immediate family members of a current America's First Federal Credit Union member are also eligible to join.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24534
Year Chartered1936
Employees420
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD9.65%
Annual Interest Income$30.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.59B$2.5B
LoansQ1 2025vs Q1 2024$2.07B$1.92B
DepositsQ1 2025vs Q1 2024$2.27B$2.2B
Equity CapitalQ1 2025vs Q1 2024$288.6MM$257.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$14MM$12MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$12.8MM$11MM
Real Estate OwnedQ1 2025vs Q1 2024$136K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

America's First Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$750Pocket Change Account
OTHER TIERS: 0.25% → $750+
0.50%*$75k*-Share Account
OTHER TIERS: 0.25% → $100 - $10k | 0.30% → $10k - $40k | 0.40% → $40k - $75k
0.05%$100-Christmas Club

America's First Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%*$100k*-Amfirst Money Market Account
OTHER TIERS: 1.00% → $2.5k - $10k | 1.10% → $10k - $25k | 1.15% → $25k - $50k | 1.40% → $50k - $100k

America's First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-3 Month Share Certificate
4.05%$500-6 Month Share Certificate
3.90%$500-9 Month Share Certificate
3.75%$500-12 Month Share Certificate
3.25%$500-18 Month Share Certificate
3.25%$500-60 Month Flex Rate Share Certificate
3.15%$500-24 Month Share Certificate
3.00%$500-48 Month Flex Rate Share Certificate
2.75%$500-36 Month Flex Rate Share Certificate
2.50%$500-30 Month Share Certificate

America's First Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-3 Month IRA Certificate
4.05%$500-6 Month IRA Certificate
3.90%$500-9 Month IRA Certificate
3.75%$500-12 Month IRA Certificate
3.25%$500-60 Month Flex Rate IRA Certificate
3.25%$500-18 Month IRA Certificate
3.15%$500-24 Month IRA Certificate
3.00%$500-48 Month Flex Rate IRA Certificate
2.75%$500-36 Month Flex Rate IRA Certificate
2.50%$500-30 Month IRA Certificate
1.25%$0-IRA Share Account (in branch only)
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