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American United Federal Credit Union Rates & Review April 2026

American United Federal Credit Union's 12-month GoldStar® Membership CD rates are at 4.00%, 18-month GoldStar® Membership CD rates are at 4.00%, 24-month GoldStar® Membership CD rates are at 4.00%, 36-month GoldStar® Membership CD rates are at 4.00%, 48-month GoldStar® Membership CD rates are at 4.00%. American United Federal Credit Union's savings rates are at 0.10%. American United Federal Credit Union's money market rates are at 0.95%. American United Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of American United Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.60%. Rates were last updated on 04/18/2026.

American United 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 American United Federal Credit Union? Share your experience about American United Federal Credit Union by leaving a review below, or read customer reviews before you decide to use American United Federal Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.60%
Excellent Higher than avg
American United Federal Credit Union
West Jordan
2687 W 7800 S
West Jordan, UT 84088
https://www.amucu.org
Member NCUA

American United Federal Credit Union CD Rates

Product Rate APY Term View More
12-month GoldStar® Membership Certificate 3.93% 4.00%
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
18-month GoldStar® Membership Certificate 3.93% 4.00%
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
24-month GoldStar® Membership Certificate 3.93% 4.00%
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
36-month GoldStar® Membership Certificate 3.93% 4.00%
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
48-month GoldStar® Membership Certificate 3.93% 4.00%
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
6 to 60-Month GoldStar® Certificate 3.93% 4.00%
Details Rate is 0.100% APY lower for non-GoldStar® members
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
6-month GoldStar® Membership Certificate 3.93% 4.00%
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
60-month GoldStar® Membership Certificate 3.93% 4.00%
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 12-month GoldStar® Membership 3.93% 4.00% 12
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 12-month GoldStar® Membership Dedicated Saver 3.93% 4.00% 12
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 18-month GoldStar® Membership 3.93% 4.00% 18
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 18-month GoldStar® Membership Dedicated Saver 3.93% 4.00% 18
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 24-month GoldStar® Membership 3.93% 4.00% 24
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 24-month GoldStar® Membership Dedicated Saver 3.93% 4.00% 24
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 36-month GoldStar® Membership 3.93% 4.00% 36
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 36-month GoldStar® Membership Dedicated Saver 3.93% 4.00% 36
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 48-month GoldStar® Membership 3.93% 4.00% 48
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 48-month GoldStar® Membership Dedicated Saver 3.93% 4.00% 48
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 6-month GoldStar® Membership 3.93% 4.00% 6
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 6-month GoldStar® Membership Dedicated Saver 3.93% 4.00% 6
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 60-month GoldStar® Membership 3.93% 4.00% 60
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 60-month GoldStar® Membership Dedicated Saver 3.93% 4.00% 60
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
12-month Certificate 3.83% 3.90% 12-month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
18-month Certificate 3.83% 3.90% 18-month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
24-month Certificate 3.83% 3.90% 24-month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
36-month Certificate 3.83% 3.90% 36-month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
48-month Certificate 3.83% 3.90% 48-month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
6 to 60-Month Certificate 3.83% 3.90%
Min Balance $500
Details $500 minimum balance
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
6-month Certificate 3.83% 3.90% 6-month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
60-month Certificate 3.83% 3.90% 60-month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 12-month 3.83% 3.90% 12
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 12-month Dedicated Saver 3.83% 3.90% 12
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 18-month 3.83% 3.90% 18
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 18-month Dedicated Saver 3.83% 3.90% 18
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 24-month 3.83% 3.90% 24
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 24-month Dedicated Saver 3.83% 3.90% 24
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 36-month 3.83% 3.90% 36
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 36-month Dedicated Saver 3.83% 3.90% 36
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 48-month 3.83% 3.90% 48
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 48-month Dedicated Saver 3.83% 3.90% 48
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 6-month 3.83% 3.90% 6
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 6-month Dedicated Saver 3.83% 3.90% 6
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 60-month 3.83% 3.90% 60
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HavenTM Certificate 60-month Dedicated Saver 3.83% 3.90% 60
Min Deposit $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

American United Federal Credit Union Savings Rates

Product Rate APY View More
Retirement (IRA) Savings 0.50% 0.50%
Details Subject to early withdrawal penalty before age 59.5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Youth Savings 0.15% 0.15%
Details Must be younger than 18 to open
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Business Savings 0.13% 0.13%
Min Balance $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
GoldStar® Savings 0.13% 0.13%
Details Additional requirements for GoldStar® membership
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Club Savings 0.10% 0.10%
Min Balance $0
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Primary Savings 0.10% 0.10%
Min Balance $5
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

American United Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 3.20% 3.25%
Min Balance $250,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Money Market 2.67% 2.70%
Min Balance $100,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Money Market 2.03% 2.05%
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Money Market 1.69% 1.70%
Min Balance $25,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Money Market 1.14% 1.15%
Min Balance $10,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Money Market 1.00% 1.00%
Min Balance $5,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Money Market 0.95% 0.95%
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

American United Federal Credit Union Checking Rates

Product Rate APY View More
Business Premier Checking 0.20% 0.20%
Details Balance to Earn Monthly Dividends: $500+
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
GoldStar® Checking 0.10% 0.10%
Details Rate is 0.05% lower for non-GoldStar® members
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Business Basic Checking 0.05% 0.05%
Min Balance $500
Details $500+ to earn monthly dividends
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Primary Checking 0.05% 0.05%
Min Balance $500
Details $500+ to earn monthly dividends
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

American United Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
First Mortgage - - 4.99% 5, 7, & 10-years
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

American United Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC - - 3.99%
Details Special Offer; Intro Rate 3.99% APR - Initial 6 months, then WSJ Prime Rate 10-year Draw & 20-year Amortization
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
HELOC Intro Rate - - 3.99% 6-months
Details (Limited-Time Offer)
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
Home Equity Loan - - 5.49% 5, 7, 10, & 15-years
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

American United Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
GoldStar® Auto Loan - - 4.99% 60
Details As Low As; Rate is 0.25% higher for non-GoldStar® members
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

American United Federal Credit Union Credit Card Rates

Product Rate APR View More
Fixed Rate Credit Cards - 9.90%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
VISA® Business Cash Back - 9.90%
Details As low as; Fixed Rate APR Business cash back rewards
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
VISA® Secured - 9.90%
Details fixed for all credit scores
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%
VISA® Cash Back - 12.90%
Details As low as; Fixed Rate APR Cash back on purchases
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.60%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for American United 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 American United 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 American United Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name American United Federal Credit Union
Address 2687 W 7800 S, West Jordan, UT 84088
Phone 801-359-9600
Fax 801-569-1206
President Lisa Jensen
CEO Jake Bowman
Full-Time Employees 89
Part-Time Employees 7
Branch Locations 11
ATM Locations 9
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.60%
Return on Assets (ROA)
0.2481%
Return on Equity (ROE)
2.2712%
Non-Performing Loans Ratio (NPL)
1.07%
Total Assets
387,765,095
Total Amount of Shares and Deposits
328,300,210
Total Shares and Deposits < 1 Year
300,960,425
Total Shares and Deposits 1 3 Years
18,949,540
Total Shares and Deposits > 3 Years
8,390,246
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,854,471
Total Uninsured Shares and Deposits > $250K (F+J)
52,854,471
Total Insured Shares and Deposits > $250K (item 17 less item K)
275,445,739
Total Interest Expense (Sum of items 6 8)
5,950,695
Share Certificates
2,702
Number of Accounts for Share Drafts
14,910
IRA KEOGH Accounts
850
Number of Accounts for Regular Shares
22,339
All other shares
5,005
Money Market Shares
3,180
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
22,399,032
Total Liabilities
347,908,198
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About American United Federal Credit Union

Is American United Federal Credit Union a safe place to deposit money?

Yes, American United Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.6003981965815%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does American United Federal Credit Union operate?

American United 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 American United Federal Credit Union?

Yes, to access services at American United 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, American United 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, American United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does American United Federal Credit Union offer online and mobile banking?

Most modern institutions like American United 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.amucu.org.

Current American United Federal Credit Union Rates

  • 12-Month CD3.90%
  • 18-Month CD3.90%
  • 24-Month CD3.90%
  • 60-Month CD3.90%
  • Savings0.10%
  • MMA0.95%
Retrieved from our database of financial products. Rates subject to change.