What are the current interest rates at America First Federal Credit Union?

Current rates for America First Federal Credit Union include: 12-Month CD: 3.85%, 18-Month CD: 3.90%, 24-Month CD: 3.95%, 60-Month CD: 4.30%, Savings: 4.50%, MMA: 3.90%

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America First Federal Credit Union

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America First Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

America First Federal Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 24 - 29 Month CD Account, 4.50% APY on savings, 3.90% APY on money market accounts, 0.30% APY on checking, 6.38% on its 10 Year Fixed mortgage, and personal loans from 12.49% APR, according to rates verified by MonitorBankRates. Other America First Federal Credit Union CD rates include 60 Month CD Account at 4.50%, 48 - 59 Month CD Account at 4.45%, and 36 - 47 Month CD Account at 4.40%. Other America First Federal Credit Union mortgage rates include 15 Year Fixed at 6.50%, 20 Year Fixed at 6.88%, and 30 Year Fixed at 7.25%. 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 8.33%. Rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

America First Federal Credit Union
Building 3 - Management Center

4774 S 1300 W Bldg 3
Riverdale, UT 84405-3621

https://www.americafirst.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

America First Federal Credit Union CD Rates

Product	Rate	APY	Term
24 - 29 Month Certificate Account	4.41%	4.50%	24-29 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Oct 9, 20264.50%▲ from 4.30% Oct 5, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 Month Certificate Account	4.41%	4.50%	60 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15% Oct 5, 20264.50%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48 - 59 Month Certificate Account	4.36%	4.45%	48-59 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36 - 47 Month Certificate Account	4.31%	4.40%	36-47 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
24 - 29 Month Bump-Rate Certificate	4.27%	4.35%	24-29 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10% Oct 9, 20264.35%▲ from 4.15% Oct 5, 20264.15%▲ from 4.10% Sep 21, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30 - 35 Month Certificate Account	4.27%	4.35%	30-35 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 Month Bump-Rate Certificate	4.27%	4.35%	60 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 5, 20264.35%▲ from 4.15% Sep 21, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48 - 59 Month Bump-Rate Certificate	4.22%	4.30%	48-59 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 5, 20264.30%▲ from 4.10% Sep 21, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36 - 47 Month Bump-Rate Certificate	4.17%	4.25%	36-47 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 5, 20264.25%▲ from 4.05% Sep 21, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30 - 35 Month Bump-Rate Certificate	4.12%	4.20%	30-35 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18 - 23 Month Certificate Account	4.03%	4.10%	18-23 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12 - 17 Month Certificate Account	3.98%	4.05%	12-17 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
6 - 11 Month Certificate Account	3.93%	4.00%	6-11 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18 - 23 Month Bump-Rate Certificate	3.88%	3.95%	18-23 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% Oct 5, 20263.95%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
3 - 5 Month Certificate Account	3.88%	3.95%	3-5 Months
Min Deposit $500 Min Balance $500 Details Dividends credited monthly; early-withdrawal penalties may apply Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12 - 17 Month Bump-Rate Certificate	3.83%	3.90%	12-17 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 5, 20263.90%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
6 - 11 Month Bump-Rate Certificate	3.78%	3.85%	6-11 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 5, 20263.85%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
3 - 5 Month Bump-Rate Certificate	3.74%	3.80%	3-5 Months
Min Deposit $500 Min Balance $500 Details Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 5, 20263.80%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share Savings	0.05%	0.05%
Min Deposit $1 Min Balance $1 Details Open Online Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings	3.83%	3.90%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 2.70% → 3.90% ▲ 1.20 pts · high 3.90% / low 2.70% Oct 9, 20263.90%▲ from 2.70% Sep 29, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	3.40%	3.45%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 2.70% → 3.45% ▲ 0.75 pts · high 3.45% / low 2.70% Oct 9, 20263.45%▲ from 2.70% Sep 29, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	2.67%	2.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	2.03%	2.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.79%	1.80%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.09%	1.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.00%	1.00%
Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Share Savings	0.05%	0.05%
Min Deposit $1 Min Balance $1 Details Business Share Savings Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.83%	3.90%
Min Deposit $0 Min Balance $0 Details Balance: $1,000,000.00+; Open Online Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 3.90% ▲ 2.90 pts · high 3.90% / low 1.00% Oct 13, 20263.90%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	3.40%	3.45%
Min Deposit $0 Min Balance $0 Details Balance: $250,000.00-$999,999.99; Open Online Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 3.45% ▲ 2.45 pts · high 3.45% / low 1.00% Oct 13, 20263.45%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	2.67%	2.70%
Min Deposit $0 Min Balance $0 Details Balance: $100,000.00-$249,999.99; Open Online Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 2.70% ▲ 1.70 pts · high 2.70% / low 1.00% Oct 13, 20262.70%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	2.03%	2.05%
Min Deposit $0 Min Balance $0 Details Balance: $50,000.00-$99,999.99; Open Online Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 2.05% ▲ 1.05 pts · high 2.05% / low 1.00% Oct 13, 20262.05%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	1.79%	1.80%
Min Deposit $0 Min Balance $0 Details Balance: $25,000.00-$49,999.99; Open Online Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.80% ▲ 0.80 pts · high 1.80% / low 1.00% Oct 13, 20261.80%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	1.24%	1.25%
Min Deposit $0 Min Balance $0 Details Balance: $10,000.00-$24,999.99; Open Online Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00% Oct 13, 20261.25%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	1.09%	1.10%
Min Deposit $0 Min Balance $0 Details Balance: $5,000.00-$9,999.99; Open Online Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 13, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Balance: $0-$4,999.99; Open Online Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings	3.83%	3.90%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 2.70% → 3.90% ▲ 1.20 pts · high 3.90% / low 2.70% Oct 9, 20263.90%▲ from 2.70% Sep 29, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	3.40%	3.45%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 2.70% → 3.45% ▲ 0.75 pts · high 3.45% / low 2.70% Oct 9, 20263.45%▲ from 2.70% Sep 29, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	2.67%	2.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	2.03%	2.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.79%	1.80%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.09%	1.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Money Market Savings	1.00%	1.00%
Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	0.30%	0.30%
Min Deposit $10,000 Min Balance $2,000 Details Balance: $250,000 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market Checking	0.25%	0.25%
Min Deposit $10,000 Min Balance $2,000 Details Balance: $100,000.00-$249,99.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market Checking	0.20%	0.20%
Min Deposit $10,000 Min Balance $2,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market Checking	0.15%	0.15%
Min Deposit $10,000 Min Balance $2,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market Checking	0.10%	0.10%
Min Deposit $10,000 Min Balance $2,000 Details Balance: $2,000.00-$9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Premium Checking	0.10%	0.10%
Min Deposit $0 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Business Checking Rates

Product	Rate	APY
High-Yield Business Checking	0.30%	0.30%
Min Deposit $1 Min Balance $250,000 Details Balance: $250,000 - $999,999.99; $2,000 minimum balance to earn dividends; tiered-rate account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
High-Yield Business Checking	0.30%	0.30%
Min Deposit $1 Min Balance $1,000,000 Details Balance: $1,000,000 and over; $2,000 minimum balance to earn dividends; tiered-rate account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
High-Yield Business Checking	0.25%	0.25%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; $2,000 minimum balance to earn dividends; tiered-rate account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
High-Yield Business Checking	0.20%	0.20%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; $2,000 minimum balance to earn dividends; tiered-rate account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
High-Yield Business Checking	0.20%	0.20%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; $2,000 minimum balance to earn dividends; tiered-rate account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
High-Yield Business Checking	0.15%	0.15%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; $2,000 minimum balance to earn dividends; tiered-rate account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
High-Yield Business Checking	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 - $9,999.99; $2,000 minimum balance to earn dividends; tiered-rate account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	6.375%	0.5%	6.706%	10 years
Details Mortgage Loan Rates; APR* (As Low As) Last Updated 10/13/2026 Rate History 7 changes since Sep 14, 2026 · 6.48% → 6.71% ▲ 0.22 pts · high 6.96% / low 6.48% Oct 13, 20266.71%▼ from 6.74% Oct 9, 20266.74%▼ from 6.96% Oct 5, 20266.96%▲ from 6.86% Oct 2, 20266.86%▼ from 6.96% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
15 Year Fixed	6.50%	0.5%	6.736%	15 years
Details Mortgage Loan Rates; APR* (As Low As) Last Updated 10/13/2026 Rate History 8 changes since Sep 14, 2026 · 6.44% → 6.74% ▲ 0.29 pts · high 6.86% / low 6.44% Oct 13, 20266.74%▼ from 6.76% Oct 9, 20266.76%▼ from 6.86% Oct 5, 20266.86%▲ from 6.84% Oct 2, 20266.84%▼ from 6.86% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
20 Year Fixed	6.875%	0.5%	7.066%	20 years
Details Mortgage Loan Rates; APR* (As Low As) Last Updated 10/13/2026 Rate History 7 changes since Sep 14, 2026 · 6.80% → 7.07% ▲ 0.27 pts · high 7.30% / low 6.66% Oct 9, 20267.07%▼ from 7.21% Oct 5, 20267.21%▲ from 7.18% Oct 2, 20267.18%▼ from 7.30% Sep 29, 20267.30%▲ from 7.21% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30 Year Fixed	7.25%	0.125%	7.361%	30 years
Details Mortgage Loan Rates; APR* (As Low As) Last Updated 10/13/2026 Rate History 5 changes since Sep 14, 2026 · 7.01% → 7.36% ▲ 0.35 pts · high 7.41% / low 7.01% Oct 9, 20267.36%▼ from 7.41% Oct 5, 20267.41%▲ from 7.39% Sep 29, 20267.39%▲ from 7.35% Sep 25, 20267.35%▲ from 7.03% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Lot Loan- 10 Year Fixed	6.99%	0 %	7.476%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.48% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Utah Housing VA Loan	7.25%	0.0%	7.731%
No additional details. Last Updated 10/13/2026 Rate History 6 changes since Sep 14, 2026 · 7.22% → 7.73% ▲ 0.51 pts · high 7.73% / low 7.22% Oct 9, 20267.73%▲ from 7.60% Oct 5, 20267.60%▼ from 7.73% Oct 2, 20267.73%▲ from 7.60% Sep 29, 20267.60%▲ from 7.47% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
FHA 30 Year Loan	7.00%	0.125%	7.858%
No additional details. Last Updated 10/13/2026 Rate History 6 changes since Sep 14, 2026 · 7.34% → 7.86% ▲ 0.52 pts · high 7.89% / low 7.34% Oct 9, 20267.86%▼ from 7.89% Oct 5, 20267.89%▲ from 7.86% Oct 2, 20267.86%▼ from 7.89% Sep 29, 20267.89%▲ from 7.87% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Utah Housing FHA Loan	7.25%	0.0%	8.104%
No additional details. Last Updated 10/13/2026 Rate History 6 changes since Sep 14, 2026 · 7.59% → 8.10% ▲ 0.52 pts · high 8.10% / low 7.59% Oct 9, 20268.10%▲ from 7.97% Oct 5, 20267.97%▼ from 8.10% Oct 2, 20268.10%▲ from 7.97% Sep 29, 20267.97%▲ from 7.84% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity No Closing Costs Fixed For 5 HELOC 50% LTV	-	-	6.49%	5 Years
Details As Low As; Variable APR Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity No Closing Costs Fixed For 5 HELOC 80% LTV	-	-	6.74%	5 Years
Details As Low As; Variable APR Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs Home Equity Loan 50% LTV	-	-	6.89%	5 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.89% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs Home Equity Loan 50% LTV	-	-	6.99%	10 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs Home Equity Loan 80% LTV	-	-	6.99%	5 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs Home Equity Loan 80% LTV	-	-	7.24%	10 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs Home Equity Line 50% LTV	-	-	7.49%
Details As Low As; Variable APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 2, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs Home Equity Line 80% LTV	-	-	7.74%
Details As Low As; Variable APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 2, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 90% LTV	-	-	8.24%	5 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs Home Equity Loan 80% LTV	-	-	8.24%	15 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 90% LTV	-	-	8.49%	10 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 100% LTV	-	-	9.49%	10 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 90% LTV	-	-	9.49%	15 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 100% LTV	-	-	10.49%	15 Years
Details As Low As; Fixed Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	5 Years
Details As Low As; Fixed; Rates for Utah Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Auto Loan - Declining Rate Auto	-	-	5.24%	5 Years
Details As Low As; Fixed; Rates for Utah Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Auto Loan	-	-	5.99%	7 Years
Details As Low As; Fixed; Rates for Utah Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Auto Loan - (Minimum Loan Amount of Required)	-	-	7.74%	8 Years
Details $30,000; As Low As; Fixed; Rates for Utah; Minimum loan amount of $30,000 required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
NEW/USED RV Loan	-	7.49%	10 Years
Details As Low As; Fixed; APR* best rate for the term; may be higher depending on credit history and underwriting; maximum consumer loan APR 18% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
NEW/USED BOAT Loan	-	7.74%	15 Years
Details As Low As; Fixed; Best rates for terms outlined; may be higher depending on credit history and underwriting criteria; Consumer loans max APR 18% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
NEW/USED BOAT Loan	-	7.74%	12 Years
Details As Low As; Fixed; Best rates for terms outlined; may be higher depending on credit history and underwriting criteria; Consumer loans max APR 18% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
NEW/USED RV BALLOON 10/20 Loan	-	7.74%	20 Years
Details As Low As; Fixed; APR* best rate for the term; may be higher depending on credit history and underwriting; maximum consumer loan APR 18% Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
NEW/USED RV Loan	-	7.74%	15 Years
Details As Low As; Fixed; APR* best rate for the term; may be higher depending on credit history and underwriting; maximum consumer loan APR 18% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
ATV / SMALL WATERCRAFT / SNOWMOBILE Loan	-	7.89%	7 Years
Details As Low As; Fixed; Rates shown for Utah; Maximum consumer loan APR 18% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
MOTORCYCLE - (Minimum Loan Amount of Required)	-	7.89%	10 Years
Details $20,000; As Low As; Fixed; Rates and terms accurate as of Monday, July 06, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 7.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
MOTORCYCLE Loan	-	7.89%	7 Years
Details As Low As; Fixed; Rates and terms accurate as of Monday, July 06, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
MOTORCYCLE - (Minimum Loan Amount of Required)	-	8.14%	15 Years
Details $25,000; As Low As; Fixed; Rates and terms accurate as of Monday, July 06, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 8.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Personal Loan Rates

Product	APR	Term
PERSONAL Loan	12.49%	1 Years
Details As Low As; Fixed; Apply Online Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
SIGNATURE 1% CASH BACK Loan	13.99%
Details As Low As; Variable; Card: Unlimited 1% Cash Back Signature Card Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 13.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Unlimited 1% Cash Back Signature Card Loan	13.99%
Details As Low As; Variable APR; Signature 1% Cash Back; Secured credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
SIGNATURE 1.5% CASH BACK Loan	17.99%
Details As Low As; Variable; Card: Unlimited 1.5% Cash Back Signature Card Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 17.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Unlimited 1.5% Cash Back Signature Card Loan	17.99%
Details As Low As; Variable APR; Signature 1.5% Cash Back; Secured credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

America First Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
CLASSIC FLAT 1% CASH BACK Loan	-	-	17.99%
Details As Low As; Variable; Card: 1% Cash Back Classic Card Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 17.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
CLASSIC REWARDS Loan	-	-	17.99%
Details As Low As; Variable; Card: Rewards Classic Card Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 17.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
CLASSIC STANDARD RATE Loan	-	-	14.99%
Details As Low As; Variable; Card: Low Rate Classic Card Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 14.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Construction - Contractor Built Loan	6.24%	0 %	10.19%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit; Course of Construction Insurance required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.19% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Construction- Self Built Loan	6.24%	0 %	11.762%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit; Course of Construction Insurance required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.76% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
LINE OF CREDIT	-	-	16.49%
Details As Low As; Variable; Monthly Payment = 3.5% of balance; Apply Online Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Lot Loan- 10 Year Variable	6.49%	0 %	7.008%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit; Adjustable APRs may increase or decrease after loan consummation, max APR 18% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.01% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Lot Loan- 20/5YR Balloon Fixed	6.74%	0 %	7.28%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Lot Loan- 20/5YR Balloon Variable	6.24%	0 %	6.82%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit; Adjustable APRs may increase or decrease after loan consummation, max APR 18% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.82% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Lot Loan- 30/5YR Balloon Fixed	6.99%	0 %	7.476%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.48% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Lot Loan- 30/5YR Balloon Variable	6.49%	0 %	7.052%
Details As Low As; Construction & Lot Loan Rates; Rates are the lowest offered and based on approved credit; Adjustable APRs may increase or decrease after loan consummation, max APR 18% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.05% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Low Rate Classic Card Loan	-	-	14.99%
Details As Low As; Variable APR; Classic Standard Rate; Secured credit card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Low Rate Platinum Card Loan	-	-	11.49%
Details As Low As; Variable APR; Platinum Low Rate; Requires $6,000 minimum limit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 50% LTV	-	-	5.24%	5 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 50% LTV	-	-	5.49%	7 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 50% LTV	-	-	5.74%	10 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 50% LTV	-	-	6.24%	12 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 50% LTV	-	-	6.74%	15 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 80% LTV	-	-	5.49%	5 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 80% LTV	-	-	5.74%	7 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 80% LTV	-	-	5.99%	10 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 80% LTV	-	-	6.49%	12 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 80% LTV	-	-	6.99%	15 Years
Details As Low As; Fixed; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 80%LTV/Balloon	-	-	6.24%	20/5 Years
Details As Low As; Fixed; Balloon; Home Equity (First Mortgage) - No Closing Cost Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
PLATINUM LOW RATE Loan	-	-	11.49%
Details As Low As; Variable; Card: Low Rate Platinum Card; Visa Platinum requires a $6,000 minimum limit Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
PLATINUM REWARDS Loan	-	-	13.99%
Details As Low As; Variable; Card: Rewards Platinum Card; Visa Platinum requires a $6,000 minimum limit Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Rewards Classic Card Loan	-	-	17.99%
Details As Low As; Variable APR; Classic Rewards Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Rewards Platinum Card Loan	-	-	13.99%
Details As Low As; Variable APR; Platinum Rewards; Requires $6,000 minimum limit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	3.88%	-	3.95%	3 - 5 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	3.93%	-	4.00%	6 - 11 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	3.98%	-	4.05%	12 - 17 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	4.03%	-	4.10%	18 - 23 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	4.41%	-	4.50%	24 - 29 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	4.27%	-	4.35%	30 - 35 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	4.31%	-	4.40%	36 - 47 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Business Dedicated Savings	4.41%	-	4.50%	60 Months
Min Deposit $0 Min Balance $0 Details Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Non-Profit Business	0.10%	-	0.10%
Min Deposit $500 Details For organizations, associations, and non-profit corporations Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 12-17 Months	3.98%	-	4.05%	12-17 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 18-23 Months	4.03%	-	4.10%	18-23 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 24-29 Months	4.41%	-	4.50%	24-29 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 3-5 Months	3.88%	-	3.95%	3-5 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 30-35 Months	4.27%	-	4.35%	30-35 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 36-47 Months	4.31%	-	4.40%	36-47 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 48-59 Months	4.36%	-	4.45%	48-59 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 6-11 Months	3.93%	-	4.00%	6-11 months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Regular Certificate - 60 Months	4.41%	-	4.50%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Oct 5, 20264.50%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%

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Financial Health History

America First Federal Credit Union’s Texas Ratio rose from 5.65% in Q3 2023 to 8.33% in Q2 2026, so its financial health has held steady at a healthy level 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$26.0B	8.33%	5.0	A
March 31, 2026	$24.7B	7.35%	5.0	A
December 31, 2025	$23.8B	8.85%	5.0	A
September 30, 2025	$23.3B	7.26%	5.0	A
June 30, 2025	$22.9B	7.11%	5.0	A
March 31, 2025	$22.6B	6.93%	5.0	A
December 31, 2024	$21.7B	7.85%	5.0	A
September 30, 2024	$21.4B	6.99%	5.0	A
June 30, 2024	$20.8B	6.27%	5.0	A
March 31, 2024	$20.3B	6.50%	5.0	A
December 31, 2023	$19.3B	6.48%	5.0	A
September 30, 2023	$19.1B	5.65%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 3,544

Part-Time Employees 192

Branch Locations 123

ATM Locations 124

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

8.33%

Return on Assets (ROA)

0.8581%

Return on Equity (ROE)

7.7263%

Non-Performing Loans Ratio (NPL)

1.45%

Total Assets

25,985,751,122

Total Amount of Shares and Deposits

22,700,605,557

Total Shares and Deposits < 1 Year

20,960,525,036

Total Shares and Deposits 1 3 Years

1,235,914,427

Total Shares and Deposits > 3 Years

504,166,094

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,142,179,281

Total Uninsured Shares and Deposits > $250K (F+J)

3,162,153,802

Total Insured Shares and Deposits > $250K (item 17 less item K)

19,538,451,755

Total Interest Expense (Sum of items 6 8)

245,691,970

Share Certificates

252,491

Number of Accounts for Share Drafts

926,093

IRA KEOGH Accounts

34,532

Number of Accounts for Regular Shares

1,721,189

All other shares

13,177

Non Member Deposits

104

Money Market Shares

454,248

Net Income (unless the amount is already included in Undivided Earnings)

222,984,120

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)

2,165,060,759

Total Liabilities

22,971,416,939

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

America First Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/america-first-federal-credit-union-rates-review-24694">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About America First Federal Credit Union

How 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

12-Month CD3.85%
18-Month CD3.90%
24-Month CD3.95%
60-Month CD4.30%
Savings4.50%
MMA3.90%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

America First Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

America First Federal Credit Union Texas Ratio

America First Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

America First Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About America First Federal Credit Union

How many branches does America First Federal Credit Union operate?

Is a member application needed to join America First Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does America First Federal Credit Union offer online and mobile banking?

Current America First Federal Credit Union Rates

Compare to Other Credit Unions