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On This Page
- At a glance
- Overall
- America First Credit Union products
- Bank fees
- Customer experience
- About America First Credit Union
- Review Methodology
At a glance
4.2
Rating: 4.2 stars out of 5
Bankrate Score
CDs
Rating: 5 stars out of 5
Checking
Rating: 4.6 stars out of 5
Savings
Rating: 3 stars out of 5
MMA
Rating: 3.5 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Overview
America First Credit Union is best for those who live, work or are involved in eligible areas of the Western U.S. Its CDs and checking account stand out for their low fees and interest-earning potential.
Highlights
- Highly Rated App
- No Monthly Fees
Sponsored offers
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
About our Sponsored Offers
Our list of sponsored accounts may offer competitive rates, multiple times higher than the national average. All of these offers have FDIC or NCUA insurance, have competitive minimums and few fees. We’ve vetted the credit worthiness of these banks to simplify your search.
Member FDIC
Savings Account
4.25
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 6/25/2024
Rating: 4.4 stars out of 5
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$1
Min. balance for APY
Promoted offer:
American Express
Member FDIC
Savings Account Details
4.25
%
APY
$1
Min balance for APY
Offer rate as of6/25/2024
Interest rate4.16%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC
Savings Account
5.30
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 6/25/2024
Rating: 4.9 stars out of 5
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer: No account fees, unlimited withdrawals, better for the planet
Forbright Bank
Member FDIC
Savings Account Details
5.30
%
APY
$0
Min balance for APY
Offer rate as of6/25/2024
Interest rate5.30%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
No account fees, unlimited withdrawals, better for the planet
Member FDIC
Savings Account
5.00
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 6/25/2024
Rating: 4.9 stars out of 5
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer: Plus, no monthly fees and unlimited free external transfers
LendingClub
Member FDIC
Savings Account Details
5.00
%
APY
$0
Min balance for APY
Offer rate as of6/25/2024
Interest rate5.00%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Plus, no monthly fees and unlimited free external transfers
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Member FDIC
Savings Account
4.4
Rating: 4.4 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
4.25
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 6/25/2024
$1
Min. balance for APY
Promoted offer
American Express
Member FDIC
Savings Account Details
4.25
%
APY
$1
Min balance for APY
Offer rate as of6/25/2024
Interest rate4.16%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC
Savings Account
4.9
Rating: 4.9 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.30
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 6/25/2024
$0
Min. balance for APY
Promoted offer: No account fees, unlimited withdrawals, better for the planet
Forbright Bank
Member FDIC
Savings Account Details
5.30
%
APY
$0
Min balance for APY
Offer rate as of6/25/2024
Interest rate5.30%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
No account fees, unlimited withdrawals, better for the planet
Member FDIC
Savings Account
4.9
Rating: 4.9 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.00
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 6/25/2024
$0
Min. balance for APY
Promoted offer: Plus, no monthly fees and unlimited free external transfers
LendingClub
Member FDIC
Savings Account Details
5.00
%
APY
$0
Min balance for APY
Offer rate as of6/25/2024
Interest rate5.00%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Plus, no monthly fees and unlimited free external transfers
Member FDIC
Savings Account
4.7
Rating: 4.7 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
4.40
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 6/25/2024
$0
Min. balance for APY
Promoted offer
Marcus by Goldman Sachs
Member FDIC
Savings Account Details
4.40
%
APY
$0
Min balance for APY
Offer rate as of6/25/2024
Interest rate4.40%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC
Savings Account
5.0
Rating: 5 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.05
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 6/25/2024
$0
Min. balance for APY
Promoted offer
EverBank
Member FDIC
Savings Account Details
5.05
%
APY
$0
Min balance for APY
Offer rate as of6/25/2024
Interest rate4.92%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Overall
Members of America First Credit Union maintain membership by opening a savings account and keeping at least $1 in the account. They also have access to a full suite of deposit products, mobile banking services, loans, credit cards and more. There are minimal fees associated with the credit union’s deposit accounts. Rates on CDs are competitive, but they are less so for share savings and money market accounts.
Pros
Members have access to over 30,000 ATMs through the CO-OP network.
CD rates are competitive.
Most accounts don’t have monthly fees or minimum opening deposit requirements.
Cons
Rates on savings and money market accounts are not very competitive.
Branches are limited to a few states in the Western U.S.
We want to know what you think about America First Credit Union
Do you have experience with America First Credit Union? Let us know your thoughts.
America First Credit Union banking products
3.0
/5
Rating: 3 stars out of 5
See methodologyCompare savings rates
SCORE BREAKDOWN
APY offering:
0.05%
Rating: 1 stars out of 5
1/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
Minimum balance to earn interest:
$1.00
Rating: 5 stars out of 5
5/5
The lowest deposit amount an account must have before it can earn interest.
Monthly service fee:
$0.00
Rating: 5 stars out of 5
5/5
A monthly charge a financial institution deducts from an account if certain requirements are not met.
Minimum balance to avoid fee:
$0.00
Rating: 5 stars out of 5
5/5
The lowest balance an account must maintain in order to avoid a fee.
Access to funds:
Great
Rating: 5 stars out of 5
5/5
A procedure that allows an individual or organization to access and manage the funds of another account holder.
America First Credit Union savings overview
To become a member of America First Credit Union, you must open a share savings account, and it must be opened at a branch. But the share savings account only requires a $1 balance to open and maintain. There’s no monthly fee. However, a $2.50 inactivity fee will be charged monthly if there have been no transactions for one year or more.
There is no transaction limitation on the share savings account. The rate earned, though, is very low.
Pros
Only $1 is needed to open the account and maintain credit union membership.
There’s no monthly fee.
Account holders can make unlimited transactions.
Cons
The APY is minimal.
The account can’t be opened online.
-
See how rates for this account have changed over time. Interact with the trend lines to view APY by date.
America First Credit Union
APY
APY last updated between 6/18 and 6/24.
APY
APY last updated between 6/18 and 6/24.
National average APY
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.
America First Credit Union savings rates
Date
Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.
America First Credit Union
APY
APY last updated between 6/18 and 6/24.
APY
APY last updated between 6/18 and 6/24
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
06/04/2024 0.05% 0.58% 05/07/2024 0.05% 0.59% 04/02/2024 0.05% 0.58% 03/05/2024 0.05% 0.57% 01/02/2024 0.05% 0.58% 12/05/2023 0.05% 0.57% 11/07/2023 0.05% 0.60% 10/03/2023 0.05% 0.58% 09/05/2023 0.05% 0.57% 07/04/2023 0.05% 0.54% 06/27/2023 0.05% 0.49%
Compare Offer
Sponsored Offer
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.
Member FDIC
Savings Account
4.25
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 6/25/2024
Rating: 4.4 stars out of 5
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$1
Min balance for APY
American Express
Member FDIC
Savings Account Details
4.25
%
APY
$1
Min balance for APY
Offer rate as of6/25/2024
Interest rate4.16%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Promoted offer:
5.0
/5
Rating: 5 stars out of 5
See methodologyCompare CD rates
SCORE BREAKDOWN
APY offering:
5.25% - 9 mos
Rating: 5 stars out of 5
5/5
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.
Minimum deposit:
$500.00
Rating: 5 stars out of 5
5/5
The minimum deposit amount a financial institution requires in order to open a CD.
Range of term lengths:
3 mos – 5 yrs
Rating: 5 stars out of 5
5/5
A designated amount of time that funds must be held within a CD.
Early withdrawal penalty:
Great
Rating: 5 stars out of 5
5/5
A penalty incurred when funds have been withdrawn from a CD before its maturity date.
Offer no-penalty or bump-up CDs:
Yes
Rating: 5 stars out of 5
5/5
A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.
Offer IRA CDs:
Yes
Rating: 5 stars out of 5
5/5
An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.
America First Credit Union CD overview
America First Credit Union offers nine share certificates at different APYs, each covering a specified term range. The shortest term available is three to five months, while the longest is 60 months. All certificates have a $500 minimum to open.
Rates on America First’s certificates are competitive. The highest rate offered, on the six- to 11-month certificate, is among the best rates you can find.
There are a couple of specialty certificate options. One is a 12-month Flexible Certificate, which allows members to deposit additional funds into the account each month. There’s also a bump-up option for all terms, though the rate is typically less than a regular certificate’s.
Pros
Members can choose from a wide range of terms.
Only $500 is needed to open any of the nine share certificates offered.
APYs are competitive.
Specialty options are available, including a bump-up option.
Cons
-
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
America First Credit Union
APY
APY last updated between 6/18 and 6/24.
APY
APY last updated between 6/18 and 6/24.
National average APY
How do we get this data?
Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.
America First Credit Union CD rates
Date
Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.
America First Credit Union
APY
APY last updated between 6/18 and 6/24.
APY
APY last updated between 6/18 and 6/24
National average APY
The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
06/04/2024 4.20% 1.43% 04/02/2024 4.20% 1.42% 03/12/2024 4.20% 1.43% 02/06/2024 4.20% 1.42% 12/05/2023 4.20% 1.43% 11/07/2023 4.20% 1.45% 10/24/2023 4.10% 1.46% 10/03/2023 4.00% 1.46% 09/05/2023 4.00% 1.43% 08/01/2023 4.00% 1.38% 07/04/2023 4.00% 1.35% 06/27/2023 4.00% 1.33%
Compare Offer
Sponsored Offer
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.
Member FDIC
CD
5.15
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 6/25/2024
Rating: 4.9 stars out of 5
Bankrate CD rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$500
Min. deposit
1yr
Term
Marcus by Goldman Sachs
Member FDIC
CD Details
5.15
%
APY
$500
Min. deposit
1yr
Term
Offer rate as of6/25/2024
Minimum deposit$500
Promoted offer:
3.5
Rating: 3.5 stars out of 5
Bankrate Score
Compare top money market rates
America First Credit Union money market overview
America First’s Money Market Savings account comes with tiered APYs that increase with higher account balances. While rates are decent and higher than the share savings rate, there are better rates available elsewhere.
The money market account has no minimum balance requirement or monthly fees. There also is no transaction limit — members can make withdrawals over the phone, at an ATM or at a credit union branch.
Unlike the share savings account, the money market account can be opened online.
Pros
There’s no minimum balance requirement or monthly fee.
Some higher rates are available with higher balances.
There’s no transaction limit.
Cons
Rates are not competitive.
4.6
Rating: 4.6 stars out of 5
Bankrate Score
Compare top checking rates
America First Credit Union checking overview
America First offers a Regular Checking account that’s interest-bearing and has no monthly fee. There’s no minimum balance requirement to open the account, but you’ll need at least $500 to earn the APY. The overdraft fee is $25, which is slightly below average, and there’s no nonsufficient funds (NSF) fee.A Premium Checking account option is also available for a $6 monthly fee, though this fee is waived when members receive at least $500 in direct deposits, make at least 20 debit card transactions and maintain a balance of at least $1,500 each month. The Premium account comes with added benefits, such as up to $10 in ATM rebates per month, the ability to earn cash back rewards and a full identity theft protection suite.
Members have access to ATMs in Utah, Nevada, Arizona and Idaho, as well as free access to over 30,000 ATMs in the credit union CO-OP network.
Pros
You can earn interest with at least $500 in the account.
There’s no monthly fee or minimum deposit requirement to open.
Members have access to over 30,000 ATMs through the CO-OP network.
Cons
You won’t earn interest if your account balance falls below $500.
Compare Offer
Sponsored Offer
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This is a sponsored offer rated 4 stars or higher for competitive rate, fees, and minimums.
Member FDIC
Checking Account
0.50
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 6/25/2024
Rating: 4.9 stars out of 5
Bankrate Checking rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
To open
$0
To avoid fees
SoFi
Member FDIC
Checking Account Details
0.50
%
APY
$0
To open
$0
To avoid fees
Offer rate as of6/25/2024
Minimum to avoid fees$0
Monthly fees$0
Overdraft/NSF fees$0
Out of network ATM fee$0
Has online accessYes
Bank fees
Fee | Charged? |
---|---|
Overdraft fee | $25 |
Non-sufficient funds fee | None |
Account maintenance fees | None for standard accounts |
Out-of-network ATM fee | $1.50 |
Excessive transaction fee | None |
Customer experience
Customer service. Member service representatives are available by phone from 8 a.m. to 7 p.m. MT, weekdays, and 8 a.m. to 6 p.m. MT, Saturdays. Members can also contact the credit union via email and leave feedback on the credit union’s website. Additionally, the credit union’s website offers helpful tools, such as a variety of calculators and guides.
Digital tools. Many digital services are offered through the credit union, including Zelle, online banking and bill pay and Card Guard, which allows you to instantly lock or unlock your debit card from a mobile app. The credit union’s mobile app has high ratings on the Apple app store and Google Play.
Rewards. Members with an America First Visa card are automatically enrolled in ABC Deals, which gives cash-back rewards on certain purchases.
About America First Credit Union
America First Credit Union was founded in 1939 in Salt Lake City, Utah. Like other credit unions, it is a member-owned, not-for-profit institution. The credit union operates 120 branches, most of which are in Utah, with a few scattered throughout Idaho, Arizona, Nevada, New Mexico and Oregon. You must live, work or have some involvement in an eligible area of one of those states to become a member.
The credit union also has a charity foundation, which contributes to programs such as food drives, educational scholarships and providing hygiene kits to those in need.
Review methodology
With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
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