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America First Credit Union Review 2025

Written by

René Bennett

Edited by

Yuliya Goldshteyn

Updated January 2, 2025

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On This Page

At a glance

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 Low Fees

Highlights:

Highly Rated App Low Fees

4.3

Bankrate Score

CDs

5.0 /5

Checking

4.6 /5

Savings

3.0 /5

MMA

3.8 /5

4.3

Customer Score

See all 43 consumer reviews

Overall

Members of America First Credit Union 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 more than 36,000 ATMs as well as extended in-store hours.
CD rates are competitive.
Most accounts have low monthly fees and 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.

America First Credit Union banking products

America First Credit Union Share Savings Account

3.0

See methodology Compare savings rates

SCORE BREAKDOWN

APY offering:

0.05%

1/5

Minimum balance for APY:

$1.00

5/5

Monthly service fee:

$0.00

5/5

Minimum balance to avoid fee:

$0.00

5/5

Access to funds:

Great

5/5

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.

Rate history for America First Credit Union's Savings account

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

National average APY

How do we get this data?

America First Credit Union Regular Share Certificate Accounts

5.0

See methodology Compare CD rates

SCORE BREAKDOWN

APY offering:

4.35%

5/5

Minimum deposit:

$500.00

5/5

Range of term lengths:

3 mos – 5 yrs

5/5

Early withdrawal penalty:

Great

5/5

Offer no-penalty or bump-up CDs:

Yes

5/5

Offer IRA CDs:

Yes

5/5

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

Rate history for America First Credit Union's CD accounts

We appreciate your patience as we continue to collect rates information for America First Credit Union. Check back again soon.

America First Credit Union Money Market Savings Account

3.8

See methodology Compare MMA rates

SCORE BREAKDOWN

APY offering:

1.30%

3/5

Minimum balance for APY:

$0.00

5/5

Monthly service fee:

$0.00

5/5

Minimum balance to avoid fee:

$0.00

5/5

Check writing:

3/5

Debit/ATM access:

Subpar

2/5

Pros

There’s no minimum balance requirement or monthly fee.
There’s no transaction limit.

Cons

Rates are not competitive.

America First Credit Union Classic Checking Account

4.6

See methodology Compare checking rates

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 more: Bankrate's best saving account offers

How America First Credit Union compares to other banks

Compare different account types offered by America First Credit Union. Annual percentage yields (APYs) shown were updated between May 3, 2025 and May 9, 2025.

Selected bank America First Credit Union savings account Member FDIC Bankrate score Rating: 3 stars out of 5 3.0 Bankrate Savings rating = 3.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.	Most comparable FourLeaf Federal Credit Union savings account NCUA Insured Bankrate score Rating: 3 stars out of 5 3.0 Bankrate Savings rating = 3.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: First Tech Credit Union savings account Member FDIC Bankrate score 3.0 Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between May 3, 2025 and May 9, 2025.
0.05%	4.50%	0.01%
Minimum balance for APY
$1.00	$0.00	$5.00
Estimated earnings Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$25	$2,250	$5

America First Credit Union’s Share Savings account can be opened with just $1, which is also the amount needed to earn interest. All balances earn a paltry rate, however.	FourLeaf’s savings account comes with a near rock-bottom yield. Customers need $5 to open an account and earn interest. The account comes with an ATM card and access to more than 30,000 fee-free ATMs nationwide through the Co-op ATM network.	First Tech offers a variety of savings accounts. The account scored for this section is called Instant Access Savings, which you can open with a minimum of $25. The yield for this account is higher than the national average, but higher APYs can generally be found elsewhere. This account is also tiered, meaning the more money you have in the account, the more you’ll earn in interest. Three other savings accounts are available; two of them require much smaller opening deposits, but they also come with lower yields. The last account, called First Tech Rewards Savings, comes with a sizable APY for balances up to $25,000. All accounts come with free online and mobile banking, and there’s no monthly fee. You can link your savings account with your checking to avoid overdraft fees.

The account can be opened with just $1.	The account comes with an ATM card. Only $5 is needed to open a Four Leaf savings account.	N/A None of the savings accounts charge monthly fees. Overdraft protection is available. Instant Access Savings is a tiered account. A high-yield account option is available.
Savings accounts with higher yields are easily found elsewhere.	FourLeaf’s savings account earns a very low yield.	N/A Higher yields can be found elsewhere.

APY offering: 0.05% 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 for APY: $1.00 5/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $0.00 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 5/5 The lowest balance an account must maintain in order to avoid a fee. Access to funds: Great 5/5 A procedure that allows an individual or organization to access and manage the funds of another account holder.	Bankrate does not currently track additional product details for this bank.	APY offering: 0.01% 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 for APY: $5.00 5/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $0.00 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 5/5 The lowest balance an account must maintain in order to avoid a fee. Access to funds: Great 5/5 A procedure that allows an individual or organization to access and manage the funds of another account holder. Bankrate does not currently track additional product details for this bank.

Selected bank America First Credit Union CD Member FDIC Bankrate score Rating: 5 stars out of 5 5.0 Bankrate CD rating = 5.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.	Most comparable Quorum Federal Credit Union CD Member FDIC Bankrate score Rating: 3.5 stars out of 5 3.5 Bankrate CD rating = 3.5/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bask Bank CD Member FDIC Bankrate score 4.4 Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between May 3, 2025 and May 9, 2025.
4.35%	2.60%	4.30%
Minimum deposit
$500.00	$1,000.00	$1,000.00
Term
1 yr	1 yr	1 yr

America First Credit Union offers a wide array of CDs, giving consumers a large list of terms to choose from. To boot, all CDs earn competitive yields. Just $500 is needed to open a CD and earn interest.	Members have access to term savings accounts (another name for certificates of deposit). All of the CD terms pay annual percentage yields (APYs) that are above the national average. Larger deposits are rewarded with a higher yield, as deposits of $100,000 or more earn an additional 0.1 percent APY. Quorum’s CDs all require a relatively standard $1,000 minimum deposit to open.	Bask Bank offers just four CDs, ranging from three to 24 months. While its CD list is much smaller than you may find at other banks, most of Bask’s CDs come with top-notch yields. However, you need at least $1,000 to open an account.

America First offers a wide range of CD terms. All CDs earn competitive APYs.	The accounts require a relatively standard minimum deposit to open. Deposits above $100,000 earn higher yields. A handful of terms offer highly competitive yields.	N/A All of Bask Bank CDs come with very high APYs. The $1,000 minimum deposit is reasonable.
Withdrawing from the principal below $500 may mean customers stop earning interest on their CD.	The credit union doesn’t offer any specialty CDs. Early withdrawal penalties are on the steep side. Many online banks and credit unions have lower minimum deposit requirements.	N/A There are very few terms to choose from. Bask doesn’t offer specialty CDs, including bump-up or no-penalty CDs.

APY offering: 4.35% - 1 yr 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 5/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 3 mos - 5 yrs 5/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Great 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 5/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: Yes 5/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY offering: 2.60% - 1 yr 3/5 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: $1,000.00 4/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 3 mos - 5 yrs 4/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Subpar 2/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: No 0/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: Yes 5/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY offering: 4.30% - 1 yr 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: $1,000.00 4/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 3 mos - 2 yrs 3/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Good 4/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: No 0/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: No 0/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time. Bankrate does not currently track additional product details for this bank.

Selected bank America First Credit Union money market account Member FDIC Bankrate score Rating: 3.8 stars out of 5 3.8 Bankrate Money Market rating = 3.8/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.	Most comparable Randolph-Brooks Federal Credit Union money market account Member FDIC Bankrate score Rating: 3.6 stars out of 5 3.6 Bankrate Money Market rating = 3.6/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: CIT Bank money market account Member FDIC Bankrate score 3.9 Bankrate Money Market rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between May 3, 2025 and May 9, 2025.
1.30%	1.81%	1.55%
Minimum balance for APY
$10,000.00	$2,500.00	$100.00
Estimated earnings Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$650	$905	$775

America First’s Money Market Checking account requires a whopping $10,000 to open. The account is tiered, meaning higher balances earn more interest. That noted, even the top-notch rate — which requires a quarter of a million dollars — is very low.	Randolph-Brooks Federal Credit Union’s Choice Money Market Account is a reversed tiered account, meaning customers earn a lower yield on higher balances. Customers will need at least $2,500 to start earning interest, which is relatively low compared to what you can find by shopping around. Deposits over $25,000 earn a much lower interest rate.	CIT Bank’s money market account earns interest higher than the national average, but much lower than other competitive options on the market. Customers need just $100 to open the account, which comes without monthly service fees. The CIT Bank mobile app allows customers to deposit checks remotely and make transfers.

There are no monthly fees.	The Choice Money Market Account doesn’t charge a monthly fee.	N/A CIT Bank’s money market account earns a yield higher than the national average. Only $100 is needed to open the account.
The yields for this account are very low. A $10,000 minimum balance is required to open an account.	Higher balances earn lower yields. Customers need $2,500 to start earning interest.	N/A Money market accounts with much higher yields can be found elsewhere. Many online banks don’t require a minimum deposit to open an account.

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

Restricted membership. Like many credit unions, membership to America First Credit Union is restricted. To open an account here, you’ll need to live, work, attend church, volunteer, or attend school in certain counties of certain western states, including Utah, Nevada, Arizona, Idaho and Oregon. You can check their website to see if you qualify for membership. Other credit unions, like Alliant Credit Union, allow anyone to join.

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 or 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.

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.

America First Credit Union customer reviews

America First Credit Union has 43 reviews

Dive into community reviews below and see what others think about America First Credit Union.

4.3

43 ratings

Score breakdown

5 stars

37%

4 stars

53%

3 stars

2 stars

1 star

Score by category

Overall Rating 4.3 / 5

Competitiveness of APY 4.2 / 5

Amount of fees 4.5 / 5

Customer support 4.6 / 5

Website / Mobile app 4.3 / 5

Bankrate methodology disclosure

In July 2024, Bankrate collaborated with a third-party vendor to survey 1,200 bank account holders nationwide. Bankrate and our vendor collected and summarized account holder responses to five rating questions on a 5-point scale as well as open-ended reviews of the banking experience. Responses are based on individual account holder product details, and therefore cannot be verified for accuracy. Reviewers received an incentive for their feedback. Their ratings are unedited and have not been reviewed or approved by the associated bank or credit union, nor do these responses reflect Bankrate's own expert review of these banking products.

Community Reviews

See what users like you are saying about America First Credit Union.

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Anonymous account holder

February 27, 2025

Quick and secure app login can be achieved with biometric verification.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 4 / 5

Customer support 5 / 5

Website / Mobile app 4 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) Yes

Savings Account Yes

Checking Account Yes

Anonymous account holder

February 27, 2025

The deposit process can be done quickly, securely, and easily.

Score by category

Amount of fees 4 / 5

Competitiveness of APY 4 / 5

Customer support 4 / 5

Website / Mobile app 4 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) Yes

Savings Account Yes

Checking Account Yes

Anonymous account holder

February 27, 2025

The experience of America First Credit Union Real-time updates and smooth performance are provided by the mobile app.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 4 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) Yes

Savings Account Yes

Checking Account Yes

Anonymous account holder

February 27, 2025

The website is intuitive and easy to navigate for banking needs.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 4 / 5

Customer support 5 / 5

Website / Mobile app 4 / 5

Accounts held by this user

Certificate of Deposit (CD) Yes

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

February 27, 2025

Managing everything has been made easy by its mobile app, which makes the overall experience smooth.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 4 / 5

Customer support 5 / 5

Website / Mobile app 3 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account No

Anonymous account holder

February 27, 2025

The mobile app of America First Credit Union provides a seamless experience for transactions and account management.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 4 / 5

Customer support 4 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) Yes

Money Market Account (MMA) Yes

Savings Account No

Checking Account Yes

Anonymous account holder

February 27, 2025

I just started using them but I like them so far.

Score by category

Amount of fees 3 / 5

Competitiveness of APY 3 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account No

Anonymous account holder

February 27, 2025

I've had good experience with AFCU. They offer good competitive deposit products and overall good customer service.

Score by category

Amount of fees 4 / 5

Competitiveness of APY 5 / 5

Customer support 4 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) Yes

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

February 27, 2025

The service they provide is exceptional since they never charge any additional fees, resulting in an outstanding overall experience.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 4 / 5

Customer support 4 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) Yes

Money Market Account (MMA) No

Savings Account Yes

Checking Account No

Anonymous account holder

February 27, 2025

The customer care is always kind and helpful and I really appreciate how easy their online banking is.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 4 / 5

Customer support 4 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

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 5/6/2025. APY last updated 5/6/2025	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.
05/06/2025	0.05%	0.60%
04/01/2025	0.05%	0.59%
03/04/2025	0.05%	0.60%
02/04/2025	0.05%	0.61%
01/07/2025	0.05%	0.56%
10/01/2024	0.05%	0.57%
09/03/2024	0.05%	0.61%
05/14/2024	0.05%	0.59%

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 5/6/2025. APY last updated 5/6/2025	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.
05/06/2025	0.05%	0.60%
04/01/2025	0.05%	0.59%
03/04/2025	0.05%	0.60%
02/04/2025	0.05%	0.61%
01/07/2025	0.05%	0.56%
10/01/2024	0.05%	0.57%
09/03/2024	0.05%	0.61%
05/14/2024	0.05%	0.59%

America First Credit Union Review 2025

The Bankrate promise

At a glance

Overview

Highlights:

Highlights:

Overall

Pros

Cons

America First Credit Union banking products

America First Credit Union Share Savings Account

Pros

Cons

Rate history for America First Credit Union's Savings account

America First Credit Union Regular Share Certificate Accounts

Pros

Cons

Rate history for America First Credit Union's CD accounts

America First Credit Union Money Market Savings Account

Pros

Cons

America First Credit Union Classic Checking Account

Pros

Cons

How America First Credit Union compares to other banks

Bank fees

Customer experience

We want to know what you think about America First Credit Union

Review methodology

America First Credit Union customer reviews

America First Credit Union has 43 reviews

Community Reviews

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