Explore America First Credit Union’s suite of bank accounts

Offers high APYs, some free accounts and plenty of variety — but has a small service area.

Last updated:

America First Credit Union

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

America First Credit Union is a Salt Lake City-based credit union servicing select counties from five states. It offers a comprehensive list of accounts, including those with high APYs and no monthly fees. But some accounts have unavoidable monthly fees and require members to visit a branch to get started.

Am I eligible?

To qualify for an America First Credit Union membership, you must live, work, worship, volunteer, or attend school in select counties from one of the following five states:

  • Arizona
  • Idaho
  • Nevada
  • Oregon
  • Utah

What banking products does America First Credit Union offer?

Why should I open an account at America First Credit Union?

America First Credit Union has features you’d expect, such as online and mobile banking. But it packs a punch with other unique perks like:

  • CO-OP ATM network. Use over 36,000 ATMs in the CO-OP network for free nationwide.
  • Card Guard mobile security. This feature lets you control how, when and where your debit card is used, straight from the mobile app.
  • Some free accounts. Although America First Credit Union doesn’t waive monthly fees, it does have several free checking and savings account options.
  • High APYs. Interest rates top out at 2.40% — way higher than the 0.01% national average.

What should I look out for?

Before you open an account with America First Credit Union, watch out for these drawbacks:

  • Unwaivable fees. Unlike most banks, America First Credit Union doesn’t waive monthly fees.
  • Small service area. This credit union only services select counties in five states.
  • In-person applications. You can open basic checking and savings accounts online, but you’ll need to visit a branch to open others.

Compare with leading bank accounts

Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
CIT Bank Term CDs
1.8%
1.85%
1.4%
1.3%
1.7%
Radius Bank CDs
1.55%
1.6%
1.7%
1.85%
2.2%
BBVA CD
1.5%
1%
1%
Discover CDs
2%
2%
2.05%
2.05%
2.1%
Barclays Online CDs
2%
2%
2%
2%
2.1%
Ally High Yield CDs
2%
2.05% on CDs of $25,000+

2% on CDs of $5,000 to $24,999

1.9% on CDs of $0 to $4,999
2.1% on CDs of $25,000+

2.05% on CDs of $5,000 to $24,999

1.95% on CDs of $0 to $4,999
2.15%

Compare up to 4 providers

America First Credit Union customer service

There are several ways to get in touch with America First Credit Union customer service:

  • Call 800-999-3961 weekdays from 8 a.m. to 8 p.m. MT and Saturdays from 8 a.m. to 7 p.m. MT.
  • Email support@americafirst.com
  • Visit a local branch

Bottom line

American First Credit Union services select counties from five states. It offers strong APYs that range from 0.1% to 2.4% and free basic checking and savings accounts. But its service area is small and some accounts have unwaivable monthly fees.

If you’re looking for an account with a broader service area or more free accounts, explore your options.

Frequently asked questions

Read more on this topic

Go to site