America First Credit Union Review 2025
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Edited by
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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 FeesHighlights:
CDs
Checking
Savings
MMA
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.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.2/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
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.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
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.
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.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
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
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Members have access to more than 36,000 ATMs as well as extended in-store hours.
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CD rates are competitive.
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Most accounts have low monthly fees and minimum opening deposit requirements.
Cons
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Rates on savings and money market accounts are not very competitive.
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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
Pros
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Only $1 is needed to open the account and maintain credit union membership.
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There’s no monthly fee.
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Account holders can make unlimited transactions.
Cons
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The APY is minimal.
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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 Regular Share Certificate Accounts
Pros
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Members can choose from a wide range of terms.
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Only $500 is needed to open any of the nine share certificates offered.
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APYs are competitive.
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Specialty options are available, including a bump-up option.
Cons
Rate history for America First Credit Union's CD accounts
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 Money Market Savings Account
Pros
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There’s no minimum balance requirement or monthly fee.
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There’s no transaction limit.
Cons
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Rates are not competitive.
America First Credit Union Classic Checking Account
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Overdraft fees:N/A0/5Charges applied when a customer spends more money than is available in their account, resulting in a negative balance.NSF fees:N/A0/5Non-sufficient funds fees are incurred when a transaction is attempted without enough money in the account to cover it.APY offering:0.00%0/5APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.ATM network:N/A0/5Accessibility to ATMs for account holders within a specific network or financial institution, facilitating cash withdrawals and transactions.
Pros
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You can earn interest with at least $500 in the account.
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There’s no monthly fee or minimum deposit requirement to open.
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Members have access to over 30,000 ATMs through the CO-OP network.
Cons
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You won’t earn interest if your account balance falls below $500.
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 Sept. 8, 2025 and Sept. 14, 2025.
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Selected bank
America First Credit Union savings account
Bankrate score
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
Bankrate score
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. |
Search for or select a bank:
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Bankrate score
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. |
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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 Sept. 8, 2025 and Sept. 14, 2025.
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| 0.05% | 0.10% | |
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Minimum balance for APY
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| $1.00 | $5.00 | |
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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.
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| $25 | $50 | |
| 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. | |
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N/A
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N/A
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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.
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Bankrate does not currently track additional product details for this bank.
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APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.
The lowest deposit amount an account must have before it can earn interest.
A monthly charge a financial institution deducts from an account if certain requirements are not met.
The lowest balance an account must maintain in order to avoid a fee.
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.
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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.
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.
Review methodology
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.
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.
