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 America First Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 31, 2026
America First Federal Credit Union's 60 month CD rates are at 4.30%, 60 month Flexible CDs rates are at 4.30%, 48-59 month rates are at 4.25%, 48-59 month CD rates are at 4.25%, 48-59 month Flexible CDs rates are at 4.25%. America First Federal Credit Union's savings rates are at 0.05%. America First Federal Credit Union's money market rates are at 0.00%. America First Federal Credit Union's 10 Year Fixed rates are at 5.62%, 15 Year Fixed rates are at 5.75%, 20 Year Fixed rates are at 6.12%, 30 Year Fixed rates are at 6.50%, VA 30 Year Loan rates are at 6.25%. America First Federal Credit Union's Personal Loan Rates are at 12.49%. MonitorBankRates evaluates the financial stability of America First Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.35%. Rates last updated and verified on 08/31/2026. America First Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at America First Federal Credit Union? Share your experience about America First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use America First Federal Credit Union. America First Federal Credit Union
Building 3 - Management Center 4774 S 1300 W Bldg 3
https://www.americafirst.com Riverdale, UT 84405-3621 
America First Federal Credit Union CD Rates
America First Federal Credit Union Savings Rates
America First Federal Credit Union Money Market Rates
America First Federal Credit Union Checking Rates
America First Federal Credit Union Mortgage Rates
America First Federal Credit Union Home Equity & HELOC
America First Federal Credit Union Auto Loan Rates
America First Federal Credit Union Personal Loan Rates
Financial Health HistoryAmerica First Federal Credit Union’s Texas Ratio rose from 4.64% in Q2 2023 to 7.35% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for America First Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather America First Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with America First Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
America First Federal Credit Union
Website
https://www.americafirst.com
Address
4774 S 1300 W Bldg 3,
Riverdale, UT 84405-3621
Phone
801-627-0900
Fax
801-827-8342
President
Linda Carver
CEO
Thayne Shaffer
Full-Time Employees
3,355
Part-Time Employees
203
Branch Locations
116
ATM Locations
120
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.35%
Return on Assets (ROA)
0.3482%
Return on Equity (ROE)
3.1322%
Non-Performing Loans Ratio (NPL)
1.34%
Total Assets
24,729,579,208
Total Amount of Shares and Deposits
21,619,689,404
Total Shares and Deposits < 1 Year
20,078,785,608
Total Shares and Deposits 1 3 Years
1,060,040,470
Total Shares and Deposits > 3 Years
480,863,326
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,630,571,018
Total Uninsured Shares and Deposits > $250K (F+J)
2,640,100,957
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,979,588,447
Total Interest Expense (Sum of items 6 8)
120,527,448
Share Certificates
249,041
Number of Accounts for Share Drafts
906,697
IRA KEOGH Accounts
34,510
Number of Accounts for Regular Shares
1,694,866
All other shares
13,177
Non Member Deposits
104
Money Market Shares
436,993
Net Income (unless the amount is already included in Undivided Earnings)
86,108,911
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,099,771,421
Total Liabilities
21,851,300,016
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for America First Federal Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About America First Federal Credit UnionHow many branches does America First Federal Credit Union operate?America First Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join America First Federal Credit Union?Yes, to access services at America First Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, America First Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, America First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does America First Federal Credit Union offer online and mobile banking?Most modern institutions like America First Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.americafirst.com. Current America First Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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