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.

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America First Credit Union

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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
Radius Bank CDs
Discover CDs
Barclays Online CDs
Ally High Yield CDs
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

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

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