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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.
 America First Federal 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 6, 2026
America First Federal Credit Union's savings rates are at 0.05%. America First Federal Credit Union's money market rates are at 0.00%. America First Federal Credit Union's 10 Year Fixed rates are at 5.12%, 15 Year Fixed rates are at 5.50%, 15 Year Fixed rates are at 5.75%, 20 Year Fixed rates are at 5.88%, 10 Year Fixed rates are at 5.88%. America First Federal Credit Union's Personal Loan Rates are at 12.49%. MonitorBankRates evaluates the financial stability of America First Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.12%. Rates were last updated on 04/06/2026. America First Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at America First Federal Credit Union? Share your experience about America First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use America First Federal Credit Union. America First Federal Credit Union
Building 3 Management Center 4774 S 1300 W Bldg 3
https://www.americafirst.com Riverdale, UT 84405 3621 
America First Federal Credit Union Savings Rates
America First Federal Credit Union Money Market Rates
America First Federal Credit Union Checking Rates
America First Federal Credit Union Mortgage Rates
America First Federal Credit Union Home Equity & HELOC
America First Federal Credit Union Auto Loan Rates
America First Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for America First Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather America First Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with America First Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
America First Federal Credit Union
Website
https://www.americafirst.com
Address
4774 S 1300 W Bldg 3,
Riverdale, UT 84405 3621
Phone
801-627-0900
Fax
801-827-8342
President
Linda Carver
CEO
Thayne Shaffer
Full-Time Employees
3,311
Part-Time Employees
203
Branch Locations
115
ATM Locations
128
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.12%
Return on Assets (ROA)
1.0962%
Return on Equity (ROE)
9.8564%
Non-Performing Loans Ratio (NPL)
1.28%
Total Assets
23,323,084,172
Total Amount of Shares and Deposits
20,428,545,209
Total Shares and Deposits < 1 Year
18,840,125,957
Total Shares and Deposits 1 3 Years
1,162,620,638
Total Shares and Deposits > 3 Years
425,798,614
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,360,167,536
Total Uninsured Shares and Deposits > $250K (F+J)
2,369,173,884
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,059,371,325
Total Interest Expense (Sum of items 6 8)
360,014,743
Share Certificates
241,841
Number of Accounts for Share Drafts
889,694
IRA KEOGH Accounts
34,539
Number of Accounts for Regular Shares
1,680,249
All other shares
12,862
Non Member Deposits
109
Money Market Shares
410,784
Net Income (unless the amount is already included in Undivided Earnings)
255,676,653
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,489,241,129
Total Liabilities
20,669,254,180
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About America First Federal Credit UnionIs America First Federal Credit Union a safe place to deposit money?Yes, America First Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 8.1245054479657%, 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 America First Federal Credit Union operate?America First Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join America First Federal Credit Union?Yes, to access services at America First Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, America First Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, America First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does America First Federal Credit Union offer online and mobile banking?Most modern institutions like America First Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.americafirst.com. Current America First Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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