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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 American First Credit Union Rates & Review April 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.
Read Full Bio →
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: April 19, 2026
American First Credit Union's 48 Month Promo CD rates are at 3.50%, 22 Month Promo CD rates are at 3.25%, 13 Month Promo CD rates are at 3.00%. American First Credit Union's savings rates are at 0.05%. American First Credit Union's money market rates are at 0.07%. American First Credit Union's Personal Loan Rates are at 9.15%. MonitorBankRates evaluates the financial stability of American First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates were last updated on 04/19/2026. American First 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 First Credit Union? Share your experience about American First Credit Union by leaving a review below, or read customer reviews before you decide to use American First Credit Union. 
American First Credit Union CD Rates
American First Credit Union Savings Rates
American First Credit Union Money Market Rates
American First Credit Union Mortgage Rates
American First Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for American First 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 First 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 First Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
American First Credit Union
Website
https://amerfirst.org
Address
6 Pointe Dr Ste 400,
Brea, CA 92821 6322
Phone
800-290-1112
Fax
714-529-0129
President
Tom Cook
CEO
Jon Shigematsu
Full-Time Employees
117
Part-Time Employees
7
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.12%
Return on Assets (ROA)
0.2149%
Return on Equity (ROE)
2.3221%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
1,146,332,953
Total Amount of Shares and Deposits
1,010,040,936
Total Shares and Deposits < 1 Year
933,878,356
Total Shares and Deposits 1 3 Years
63,025,203
Total Shares and Deposits > 3 Years
13,137,375
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
31,781,004
Total Uninsured Shares and Deposits > $250K (F+J)
87,310,729
Total Insured Shares and Deposits > $250K (item 17 less item K)
922,730,207
Total Interest Expense (Sum of items 6 8)
15,672,278
Share Certificates
3,080
Number of Accounts for Share Drafts
17,335
IRA KEOGH Accounts
1,974
Number of Accounts for Regular Shares
40,878
Non Member Deposits
30
Money Market Shares
9,217
Net Income (unless the amount is already included in Undivided Earnings)
2,463,646
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
45,578,882
Total Liabilities
1,047,415,303
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About American First Credit UnionIs American First Credit Union a safe place to deposit money?Yes, American First Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1152181659636%, 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 First Credit Union operate?American First 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 First Credit Union?Yes, to access services at American First 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 First 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 First Credit Union provides members with tools to manage their accounts and build a solid financial history. Does American First Credit Union offer online and mobile banking?Most modern institutions like American First 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://amerfirst.org. Current American First Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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