|
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 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.
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 and Verified: September 22, 2026
American First Credit Union's 48 Month Promo CD rates are at 4.25%, 22 Month Promo CD rates are at 4.10%, 13 Month Promo CD rates are at 4.00%, 60 Month CD rates are at 1.50%, 48 Month CD rates are at 1.35%. 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 as low as 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 0.94%. Rates last updated and verified on 09/22/2026. 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
Fullerton 4180 N Harbor Blvd Ste A
https://amerfirst.org Fullerton, CA 92835-1015 
American First Credit Union CD Rates
American First Credit Union Savings Rates
American First Credit Union Money Market Rates
American First Credit Union Personal Loan Rates
American First Credit Union Other Rates
Financial Health HistoryAmerican First Credit Union’s Texas Ratio stayed near 0.57% in Q2 2023 to 0.94% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
Powered by
MonitorBankRates
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 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
4180 N Harbor Blvd Ste A,
Fullerton, CA 92835-1015
Phone
800-290-1112
Fax
714-529-0129
President
Tom Cook
CEO
Jon Shigematsu
Full-Time Employees
120
Part-Time Employees
6
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+ (100/100)
Texas Ratio
0.94%
Return on Assets (ROA)
0.2037%
Return on Equity (ROE)
1.9726%
Non-Performing Loans Ratio (NPL)
0.12%
Total Assets
1,310,342,468
Total Amount of Shares and Deposits
1,155,643,942
Total Shares and Deposits < 1 Year
1,062,136,415
Total Shares and Deposits 1 3 Years
65,033,790
Total Shares and Deposits > 3 Years
28,473,735
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,614,190
Total Uninsured Shares and Deposits > $250K (F+J)
41,316,723
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,114,327,219
Total Interest Expense (Sum of items 6 8)
7,518,027
Share Certificates
3,234
Number of Accounts for Share Drafts
16,661
IRA KEOGH Accounts
1,855
Number of Accounts for Regular Shares
39,787
Non Member Deposits
33
Money Market Shares
10,247
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)
50,753,124
Total Liabilities
1,205,561,749
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for American First Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for American First Credit Union
Frequently Asked Questions About American First Credit UnionHow 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.
Compare to Other Credit Unions
Western Division Federal Credit Union
Industrial Federal Credit Union
Lisbon Farmers Union Credit Union
edU Federal Credit Union
Southern Gas Federal Credit Union
G G W Federal Credit Union
Tonawanda Valley Federal Credit Union
Motion Federal Credit Union
600 Atlantic Federal Credit Union
Christian Financial Credit Union
Ed-Med Federal Credit Union
HawaiiUSA Federal Credit Union
New Bedford Credit Union
SAFE Credit Union
Silverado Credit Union
USSCO JOHNSTOWN
KUMC Credit Union
Guardians Credit Union
District 08 Federal Credit Union
Visions Federal Credit Union
TxDot Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
