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America First Credit Union


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 7th largest credit union in the nation. It was established in 1939 and as of March of 2024, it had grown to 3,128 employees and 1,422,694 members at 123 locations. America First Credit Union's money market rates are 10X 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 portions of six states including: counties of Juab, Salt Lake, or Utah, or in eligible areas of Cache, Davis, Iron, Rich, Washington, or Weber Counties. Eligible areas in counties of Maricopa, Mohave, Page, Pima, or St. Johns. Eligible areas in counties of Ada, Bannock, Bear Lake, Bingham, Boise, Bonneville, Canyon, Caribou, Clark, Elmore, Franklin, Gem, Jefferson, Madison, Owyhee, or Power. Eligible areas in counties of Carson City, Churchill, Clark, Douglas, Esmeralda, Lincoln, Lyon, Mineral, Nye, Storey, or Washoe. Eligible areas in counties of Bernalillo, Chaves, De Baca, Guadalupe, Harding, Mora, Quay, Sandoval, San Miguel, Santa Fe, Torrance, or Valencia. Eligible areas of in Malheur County. 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. Immediate family and household members of an existing America First Credit Union member or of anyone eligible to join also qualify for membership.
See current membership details

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Reviews (40)

Utah First Credit Union

Posted by: |

Bryson was absolutely awesome. He made the entire process simple and he was extremely professional. He can be reached at 801-217-9184 if you need your banking needs met.


He is the best!

Jared

1

America First Credit Union Jettisons HSA Customers

Posted by: |

As a long time member I was aghast when on very short notice America First (AF) notified customers by snail mail in April 2024 that the would be moving all HSA account to Lively.com, a fee based HSA investment intermediary. The day of the move was set at June 1st. For those of us with HSA certificate deposits this meant we had to move our funds elsewhere not later than May 3rd or be automatically converted into cash and transferred to Lively. I thought the only time this type of draconian action was ever taken was when a financial institution failed. I'm interested to learn how many AF customers felt they lost money as a result of this decision by AF. I did. Please do chime in. Richard R.

3

Run Like A National Bank, Not A Credit Union

Posted by: |

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.

18

America First For FRAUD!!

Posted by: |

Long story short: got my auto loan from deal, provided insurance details. 1 year later their "3rd party" sent RUDE notice for proof of insurance. I decided to provide proof AND pay off the loan in full to stop doing business. They still added the thousands onto my loan AFTER paying it off. Then threatened to hold my title and repo the vehicle. In the meantime, the already sent me the title prior to adding the thousands, and then throw hands in the air like "it's a third party problem". RUN AWAY FAST FROM AMERICA FIRST CREDIT UNION!!!

3
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Health
A

Data as of Q1 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #24694
Year Chartered1939
Employees3128
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD9.7%
Annual Interest Income$270.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$20.29B$18.33B
LoansQ1 2024vs Q1 2023$14.57B$13.32B
DepositsQ1 2024vs Q1 2023$17.9B$16.21B
Equity CapitalQ1 2024vs Q1 2023$2.15B$1.92B
Loan Loss AllowanceQ1 2024vs Q1 2023$251.7MM$235.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$157MM$94MM
Real Estate OwnedQ1 2024vs Q1 2023$0$138K
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
3.50%*$0$500Student Savings
OTHER TIERS: 0.05% → $1k+ | 3.35% → $500 - $1k
1.50%$0-IRA Accumulator
0.05%$1-Share Savings
0.05%$1-Business Share Savings
0.05%$0-HSA Share Savings

America First Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%*$1m*-Money Market Savings
OTHER TIERS: 1.50% → $0 - $10k | 1.70% → $10k - $25k | 2.30% → $25k - $50k | 2.70% → $50k - $100k | 3.45% → $100k - $250k | 4.25% → $250k - $1m
4.60%*$1m*-Business Money Market Savings
OTHER TIERS: 1.50% → $0 - $10k | 1.70% → $10k - $25k | 2.30% → $25k - $50k | 2.70% → $50k - $100k | 3.45% → $100k - $250k | 4.25% → $250k - $1m
2.70%*$50k*-HSA Money Market Savings
OTHER TIERS: 1.50% → $0 - $10k | 1.70% → $10k - $25k | 2.30% → $25k - $50k
0.30%*$250k*-Money Market Checking
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $100k | 0.25% → $100k - $250k
0.15%*$2k*-HSA Money Market Checking
OTHER TIERS: 0.10% → $0 - $2k

America First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-High-Yield Business Checking
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $100k | 0.25% → $100k - $250k
0.10%$0-Non-Profit Business Checking
0.10%$500-Regular Checking
0.10%$500-Premium Checking
0.10%$500-Classic Checking

America First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$500-3 - 5 Month Regular Certificate
5.25%$500-6 - 11 Month Regular Certificate
5.25%$500-12 - 17 Month Regular Certificate
5.25%$0$100k3 - 5 Month Regular Dedicated Savings Certificate
5.25%$0$100k6 - 11 Month Regular Dedicated Savings Certificate
5.25%$0$100k12 - 17 Month Regular Dedicated Savings Certificate
5.25%$500-3 - 5 Month HSA Certificate
5.25%$500-6 - 11 Month HSA Certificate
5.25%$500-12 - 17 Month HSA Certificate
5.25%$0$100k3 - 5 Month HSA Dedicated Savings Certificate
5.25%$0$100k6 - 11 Month HSA Dedicated Savings Certificate
5.25%$0$100k12 - 17 Month HSA Dedicated Savings Certificate
5.25%$500-3 - 5 Month Regular Ladder Certificate
5.25%$500-6 - 11 Month Regular Ladder Certificate
5.25%$500-12 - 17 Month Regular Ladder Certificate
5.25%$500-3 - 5 Month HSA Ladder Certificate
5.25%$500-6 - 11 Month HSA Ladder Certificate
5.25%$500-12 - 17 Month HSA Ladder Certificate
5.25%$0$100kBusiness 3 - 5 Month Regular Dedicated Savings Certificate
5.25%$500-Business 3 - 5 Month Regular Certificate
5.25%$500-Business 3 - 5 Month Regular Ladder Certificate
5.25%$0$100kBusiness 6 - 11 Month Regular Dedicated Savings Certificate
5.25%$500-Business 6 - 11 Month Regular Certificate
5.25%$500-Business 6 - 11 Month Regular Ladder Certificate
5.25%$0$100kBusiness 12 - 17 Month Regular Dedicated Savings Certificate
5.25%$500-Business 12 - 17 Month Regular Certificate
5.25%$500-Business 12 - 17 Month Regular Ladder Certificate
5.10%$500-3 - 5 Month Bump-Rate Certificate
5.10%$500-6 - 11 Month Bump-Rate Certificate
5.10%$500-12 - 17 Month Bump-Rate Certificate
5.10%$500-3 - 5 Month HSA Bump-Rate Certificate
5.10%$500-6 - 11 Month HSA Bump-Rate Certificate
5.10%$500-12 - 17 Month HSA Bump-Rate Certificate
5.10%$500-3 - 5 Month Bump-Rate Ladder Certificate
5.10%$500-6 - 11 Month Bump-Rate Ladder Certificate
5.10%$500-12 - 17 Month Bump-Rate Ladder Certificate
5.10%$500-3 - 5 Month HSA Bump-Rate Ladder Certificate
5.10%$500-6 - 11 Month HSA Bump-Rate Ladder Certificate
5.10%$500-12 - 17 Month HSA Bump-Rate Ladder Certificate
5.10%$500-Business 3 - 5 Month Bump-Rate Certificate
5.10%$500-Business 3 - 5 Month Bump-Rate Ladder Certificate
5.10%$500-Business 6 - 11 Month Bump-Rate Certificate
5.10%$500-Business 6 - 11 Month Bump-Rate Ladder Certificate
5.10%$500-Business 12 - 17 Month Bump-Rate Certificate
5.10%$500-Business 12 - 17 Month Bump-Rate Ladder Certificate
5.00%$500$100k12 Month Flexible Certificate
5.00%$500$100kBusiness 12 Month Flexible Certificate
4.50%$500-24 - 29 Month Regular Certificate
4.50%$0$100k24 - 29 Month Regular Dedicated Savings Certificate
4.50%$500-24 - 29 Month HSA Certificate
4.50%$0$100k24 - 29 Month HSA Dedicated Savings Certificate
4.50%$500-24 - 29 Month Regular Ladder Certificate
4.50%$500-24 - 29 Month HSA Ladder Certificate
4.50%$0$100kBusiness 24 - 29 Month Regular Dedicated Savings Certificate
4.50%$500-Business 24 - 29 Month Regular Certificate
4.50%$500-Business 24 - 29 Month Regular Ladder Certificate
4.50%$500-18 - 23 Month HSA Certificate
4.50%$0$100k18 - 23 Month HSA Dedicated Savings Certificate
4.50%$500-18 - 23 Month HSA Ladder Certificate
4.50%$500-18 - 23 Month Regular Certificate
4.50%$0$100k18 - 23 Month Regular Dedicated Savings Certificate
4.50%$500-18 - 23 Month Regular Ladder Certificate
4.50%$500-Business 18 - 23 Month Regular Certificate
4.50%$0$100kBusiness 18 - 23 Month Regular Dedicated Savings Certificate
4.50%$500-Business 18 - 23 Month Regular Ladder Certificate
4.35%$500-36 - 47 Month Regular Certificate
4.35%$0$100k36 - 47 Month Regular Dedicated Savings Certificate
4.35%$500-36 - 47 Month HSA Certificate
4.35%$0$100k36 - 47 Month HSA Dedicated Savings Certificate
4.35%$500-24 - 29 Month Bump-Rate Certificate
4.35%$500-18 - 23 Month Bump-Rate Certificate
4.35%$500-18 - 23 Month HSA Bump-Rate Certificate
4.35%$500-24 - 29 Month HSA Bump-Rate Certificate
4.35%$500-18 - 23 Month Bump-Rate Ladder Certificate
4.35%$500-24 - 29 Month Bump-Rate Ladder Certificate
4.35%$500-36 - 47 Month Regular Ladder Certificate
4.35%$500-18 - 23 Month HSA Bump-Rate Ladder Certificate
4.35%$500-24 - 29 Month HSA Bump-Rate Ladder Certificate
4.35%$500-36 - 47 Month HSA Ladder Certificate
4.35%$500-Business 18 - 23 Month Bump-Rate Certificate
4.35%$500-Business 18 - 23 Month Bump-Rate Ladder Certificate
4.35%$500-Business 24 - 29 Month Bump-Rate Certificate
4.35%$500-Business 24 - 29 Month Bump-Rate Ladder Certificate
4.35%$0$100kBusiness 36 - 47 Month Regular Dedicated Savings Certificate
4.35%$500-Business 36 - 47 Month Regular Certificate
4.35%$500-Business 36 - 47 Month Regular Ladder Certificate
4.20%$500-48 - 59 Month Regular Certificate
4.20%$500-60 Month Regular Certificate
4.20%$0$100k48 - 59 Month Regular Dedicated Savings Certificate
4.20%$0$100k60 Month Regular Dedicated Savings Certificate
4.20%$500-30 - 35 Month Regular Certificate
4.20%$0$100k30 - 35 Month Regular Dedicated Savings Certificate
4.20%$500-30 - 35 Month HSA Certificate
4.20%$500-48 - 59 Month HSA Certificate
4.20%$500-60 Month HSA Certificate
4.20%$0$100k30 - 35 Month HSA Dedicated Savings Certificate
4.20%$0$100k48 - 59 Month HSA Dedicated Savings Certificate
4.20%$0$100k60 Month HSA Dedicated Savings Certificate
4.20%$500-36 - 47 Month Bump-Rate Certificate
4.20%$500-36 - 47 Month HSA Bump-Rate Certificate
4.20%$500-30 - 35 Month Regular Ladder Certificate
4.20%$500-36 - 47 Month Bump-Rate Ladder Certificate
4.20%$500-48 - 59 Month Regular Ladder Certificate
4.20%$500-60 Month Regular Ladder Certificate
4.20%$500-30 - 35 Month HSA Ladder Certificate
4.20%$500-36 - 47 Month HSA Bump-Rate Ladder Certificate
4.20%$500-48 - 59 Month HSA Ladder Certificate
4.20%$500-60 Month HSA Ladder Certificate
4.20%$0$100kBusiness 30 - 35 Month Regular Dedicated Savings Certificate
4.20%$500-Business 30 - 35 Month Regular Certificate
4.20%$500-Business 30 - 35 Month Regular Ladder Certificate
4.20%$500-Business 36 - 47 Month Bump-Rate Certificate
4.20%$500-Business 36 - 47 Month Bump-Rate Ladder Certificate
4.20%$0$100kBusiness 48 - 59 Month Regular Dedicated Savings Certificate
4.20%$500-Business 48 - 59 Month Regular Certificate
4.20%$500-Business 48 - 59 Month Regular Ladder Certificate
4.20%$0$100kBusiness 60 Month Regular Dedicated Savings Certificate
4.20%$500-Business 60 Month Regular Certificate
4.20%$500-Business 60 Month Regular Ladder Certificate
4.05%$500-30 - 35 Month Bump-Rate Certificate
4.05%$500-48 - 59 Month Bump-Rate Certificate
4.05%$500-60 Month Bump-Rate Certificate
4.05%$500-30 - 35 Month HSA Bump-Rate Certificate
4.05%$500-48 - 59 Month HSA Bump-Rate Certificate
4.05%$500-60 Month HSA Bump-Rate Certificate
4.05%$500-30 - 35 Month Bump-Rate Ladder Certificate
4.05%$500-48 - 59 Month Bump-Rate Ladder Certificate
4.05%$500-60 Month Bump-Rate Ladder Certificate
4.05%$500-30 - 35 Month HSA Bump-Rate Ladder Certificate
4.05%$500-48 - 59 Month HSA Bump-Rate Ladder Certificate
4.05%$500-60 Month HSA Bump-Rate Ladder Certificate
4.05%$500-Business 30 - 35 Month Bump-Rate Certificate
4.05%$500-Business 30 - 35 Month Bump-Rate Ladder Certificate
4.05%$500-Business 48 - 59 Month Bump-Rate Certificate
4.05%$500-Business 48 - 59 Month Bump-Rate Ladder Certificate
4.05%$500-Business 60 Month Bump-Rate Certificate
4.05%$500-Business 60 Month Bump-Rate Ladder Certificate

America First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$0$100k3 - 5 Month IRA Dedicated Savings IRA Certificate
5.25%$0$100k6 - 11 Month IRA Dedicated Savings IRA Certificate
5.25%$0$100k12 - 17 Month IRA Dedicated Savings IRA Certificate
5.25%$500-3 - 5 Month Regular IRA Certificate
5.25%$500-3 - 5 Month Regular Ladder IRA Certificate
5.25%$500-6 - 11 Month Regular IRA Certificate
5.25%$500-6 - 11 Month Regular Ladder IRA Certificate
5.25%$500-12 - 17 Month Regular IRA Certificate
5.25%$500-12 - 17 Month Regular Ladder IRA Certificate
5.10%$500-3 - 5 Month Bump-Rate IRA Certificate
5.10%$500-3 - 5 Month Bump-Rate Ladder IRA Certificate
5.10%$500-6 - 11 Month Bump-Rate IRA Certificate
5.10%$500-6 - 11 Month Bump-Rate Ladder IRA Certificate
5.10%$500-12 - 17 Month Bump-Rate IRA Certificate
5.10%$500-12 - 17 Month Bump-Rate Ladder IRA Certificate
4.50%$0$100k24 - 29 Month IRA Dedicated Savings IRA Certificate
4.50%$500-24 - 29 Month Regular IRA Certificate
4.50%$500-24 - 29 Month Regular Ladder IRA Certificate
4.50%$0$100k18 - 23 Month IRA Dedicated Savings IRA Certificate
4.50%$500-18 - 23 Month Regular IRA Certificate
4.50%$500-18 - 23 Month Regular Ladder IRA Certificate
4.35%$0$100k36 - 47 Month IRA Dedicated Savings IRA Certificate
4.35%$500-24 - 29 Month Bump-Rate IRA Certificate
4.35%$500-24 - 29 Month Bump-Rate Ladder IRA Certificate
4.35%$500-36 - 47 Month Regular IRA Certificate
4.35%$500-36 - 47 Month Regular Ladder IRA Certificate
4.35%$500-18 - 23 Month Bump-Rate IRA Certificate
4.35%$500-18 - 23 Month Bump-Rate Ladder IRA Certificate
4.20%$0$100k48 - 59 Month IRA Dedicated Savings IRA Certificate
4.20%$0$100k60 Month IRA Dedicated Savings IRA Certificate
4.20%$500-30 - 35 Month IRA Certificate
4.20%$0$100k30 - 35 Month Regular Dedicated Savings IRA Certificate
4.20%$500-30 - 35 Month Regular Ladder IRA Certificate
4.20%$500-36 - 47 Month Bump-Rate IRA Certificate
4.20%$500-36 - 47 Month Bump-Rate Ladder IRA Certificate
4.20%$500-48 - 59 Month Regular IRA Certificate
4.20%$500-48 - 59 Month Regular Ladder IRA Certificate
4.20%$500-60 Month Regular IRA Certificate
4.20%$500-60 Month Regular Ladder IRA Certificate
4.05%$500-30 - 35 Month Bump-Rate Ladder IRA Certificate
4.05%$500-48 - 59 Month Bump-Rate IRA Certificate
4.05%$500-48 - 59 Month Bump-Rate Ladder IRA Certificate
4.05%$500-60 Month Bump-Rate IRA Certificate
4.05%$500-60 Month Bump-Rate Ladder IRA Certificate
4.05%$500-30 - 35 Month Bump-Rate IRA Certificate
Locations

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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.