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First is one of the largest, most stable, and most progressive credit unions in the country, and has remained a member-owned, not-for-profit cooperative financial institution since its inception over seven decades ago. From low-rate loans and free online services, to mortgages and free checking accounts, America First offers a vast array of tools allowing you to manage your money, in the manner you desire. Our mission is to provide personal financial services of a superior quality to the members/owners; our chief concern being their financial well-being. We desire to be the primary financial institution of our members. We will use automation and technology to support a highly trained group of volunteers and staff. Professional managers will be accountable for the quality of service and will be given sufficient flexibility in implementing policy to ensure that the member perceives the highest degree of excellence in every contact. Professional marketing will provide aggressive programs to sustain and increase growth. We will seek our growth both from new members and by serving the financial needs of present members in a more complete manner. We will not sacrifice quality of present services to seek growth. In order to provide quality member services, the credit union must remain financially sound and secure. Adequate operating controls, capital reserves and liquidity will be maintained at all times. We will be sales oriented in our approach to members, and traditional credit union philosophy will remain our guiding principle. Among financial institutions, this credit union is a unique organization with deep and abiding human values. Our goal is to maintain those qualities. Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page. Overall credit union ratingPros and consAmerica First Credit Union Share Savings AccountAmerica First Credit Union Share Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $1 America First Credit Union Share Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $1 On America First Credit Union's website America First Credit Union Share Savings Account from America First Credit UnionOn America First Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $1 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $1 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low interest rate Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
You'll have to open the America First Credit Union Share Savings Account to become a member at America First. The account doesn't charge any monthly fees and only requires $1 to open and maintain membership. America First Credit Union Classic Checking AccountAmerica First Credit Union Classic Checking Account Annual Percentage Yield (APY) 0.00% to 0.05% APY Minimum Deposit Amount $0 America First Credit Union Classic Checking Account Annual Percentage Yield (APY) 0.00% to 0.05% APY Minimum Deposit Amount $0 On America First Credit Union Checking Account's website America First Credit Union Classic Checking Account from America First Credit Union Checking AccountOn America First Credit Union Checking Account's website Deposit DetailsAnnual Percentage Yield (APY) 0.00% to 0.05% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protection available Dash iconA dash. It often indicates an interaction to shrink a section. $25 overdraft fee Dash iconA dash. It often indicates an interaction to shrink a section. $1.50 out-of-network ATM fee Dash iconA dash. It often indicates an interaction to shrink a section. Must have at least $500 in account to earn interest Dash iconA dash. It often indicates an interaction to shrink a section. Low interest rate HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
The America First Credit Union Classic Checking Account is a decent choice if you are looking for a free checking account. Be mindful of overdrawing, though. America First provides a line of credit when you use overdraft protection but still charges a $25 fee. America First Credit Union Certificate Annual Percentage Yield (APY) 1.50% to 3.50% APY Minimum Deposit Amount $500 America First Credit Union Certificate Annual Percentage Yield (APY) 1.50% to 3.50% APY Minimum Deposit Amount $500 On America First Credit Union's website America First Credit Union Certificate from America First Credit UnionOn America First Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 1.50% to 3.50% APY Minimum Deposit Amount $500 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. $500 opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Low early withdrawal penalties Dash iconA dash. It often indicates an interaction to shrink a section. No terms over 5 years Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Dash iconA dash. It often indicates an interaction to shrink a section. Membership restricted to certain counties in the West HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
America First offers high CD rates. It has several share CD options, including flexible certificates that let you deposit and withdraw money after you've opened one. Regardless of which term choose, you'll also earn a good interest rate. America First Credit Union Money Market Savings AccountAmerica First Credit Union Money Market Savings Account Annual Percentage Yield (APY) 0.40% to 0.75% APY Minimum Deposit Amount $0 America First Credit Union Money Market Savings Account Annual Percentage Yield (APY) 0.40% to 0.75% APY Minimum Deposit Amount $0 On America First Credit Union's website America First Credit Union Money Market Savings Account from America First Credit UnionOn America First Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.40% to 0.75% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low interest rate Dash iconA dash. It often indicates an interaction to shrink a section. No debit card HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
The America First Credit Union Money Market Savings Account may be ideal if you're able to maintain a high balance on your account. Account balances over $5,000 earn higher interest than the credit union's savings account, but it's still lower than what online banks might offer. America First also has a money market checking account which comes with a debit card — but you'll need to deposit at least $10,000 to open an account. How America First Credit Union worksAmerica First Credit Union has 128 branches in Arizona, Idaho, Nevada, and Utah. Members also have access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network. Customer support is available over the phone, through email, or via live chat. Contact a customer service representative from 8 a.m. to 8 p.m. MT on weekdays or 8 a.m. to 7 p.m. MT on Saturdays. The America First mobile app has 4.7 out of 5 stars in the Google Play Store. In the Apple Store, it received 4.9 out of 5 stars. America First is federally insured by the NCUA, so up to $250,000 is secure in your bank account. How to join America First Credit UnionYou're eligible for membership at America First Credit Union if you live, work, worship, or volunteer in an Arizona, Idaho, Nevada, or Utah county mentioned on this list. If you have a family member or spouse that's a current member, you're also able to join. To become a member, you must open a share savings account. America First Credit Union trustworthiness and BBB ratingAmerica First Credit Union hasn't been involved in any recent public controversies. We also include ratings from the Better Business Bureau to provide information on how financial institutions deal with customer issues and handle transparency practices. The BBB gave America First Credit Union an A+ rating. A good BBB rating doesn't necessarily mean that you will have a similar experience as others. You'll want to talk to current members or read online customer reviews to get a better understanding of whether America First will be a good fit for you. America First Credit Union vs. AllyWe compared America First Credit Union to two other financial institutions from our best CD rates guide: Ally Bank and CIT Bank. Both financial institutions offer strong CDs. Ally is one of the few banks that doesn't require a minimum opening deposit, so it'll be the best option if you have less than $500 to start with. If you prefer to deposit $500 or more into a CD, you'll want to review the CD early withdrawal penalties and interest rates to see which institution has the better option for you. America First Credit Union vs. CIT BankCIT Bank might be a good choice if you are planning on getting a jumbo CD. If you're strictly looking for the highest interest rate though, you may prefer America First Credit Union. Your decision between these institutions may also boil down to your preferences between online banks and brick-and-mortar banks. CIT Bank is an online-only institution, so you'll have to be comfortable with online and mobile banking. If you find it hard to manage your account that way, you might prefer banking with America First since it has physical branch locations.
Sophia Acevedo, CEPF Junior Banking Reporter Sophia Acevedo is a junior banking reporter at Insider who covers banking and savings for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF). She joined Insider in July 2021 as a fellow for the Personal Finance Insider Reviews team. Before joining the Insider team, she was a freelancer based in Los Angeles and worked briefly in publishing. She also graduated from California State University Fullerton in 2020. You can reach out to her on Twitter at @sophieacvdo or send a quick email at . Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >> Read more Read less How long does America first take to approve a loan?We offer instant online approvals & the best in member service. Plus, our four options can help you pay off your loans quicker and lower your existing monthly payments.
How much can I withdraw America first?How much cash can I withdraw from an ATM? You can withdraw up to $1005 a day with a Classic Debit Card and up to $1500 with a Gold Debit Card. You may check your balance at the ATM to ensure you have enough funds available for withdrawal.
Is America First a good bank?America's First is a full-service credit union with a 5-star “superior” rating from BauerFinancial, a nationally recognized rating agency for banks and credit unions. All of our share saving and checking accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).
Can I check my credit score on America first?FREE ACCESS TO YOUR FICO® SCORE.
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