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

Current rates for America First Federal Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.80%, 24-Month CD: 3.90%, 60-Month CD: 4.10%, Savings: 0.05%, MMA: 0.10%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
America First Federal Credit Union

iAdvertiser Disclosure

America First Federal Credit Union Rates & Review September 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: September 21, 2026

America First Federal Credit Union's 60 Month CD rates are at 4.30%, 60 Month Flexible CD rates are at 4.30%, 60 Month Regular CD Accounts rates are at 4.30%, 24 - 29 Month Flexible CD rates are at 4.25%, 24 - 29 Month Regular CD rates are at 4.25%. America First Federal Credit Union's savings rates are at 0.05%. America First Federal Credit Union's money market rates are at 0.10%. America First Federal Credit Union's 10 Year Fixed rates are at 6.25%, 15 Year Fixed rates are at 6.38%, 20 Year Fixed rates are at 6.62%, 30 Year Fixed rates are at 6.88%, APR (AS LOW AS) - VA 30 Year Loan rates are at 6.62%. America First Federal Credit Union's Personal Loan Rates are as low as 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 7.35%. Rates last updated and verified on 09/21/2026.

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 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

7.35%

Excellent Higher than avg

Health Trend

Worsening 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

America First Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	4.22%	4.30%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
60 Month Flexible Certificate	4.22%	4.30%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
60 Month Regular Certificate Accounts	4.22%	4.30%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
24 - 29 Month Flexible Certificate	4.17%	4.25%	24-29 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
24 - 29 Month Regular CD	4.17%	4.25%	24-29 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
24 - 29 Month Regular Certificate Accounts	4.17%	4.25%	24-29 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
24-29 month	4.17%	4.25%	29 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
48 - 59 Month Flexible Certificate	4.17%	4.25%	48-59 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
48 - 59 Month Regular CD	4.17%	4.25%	48-59 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
48 - 59 Month Regular Certificate Accounts	4.17%	4.25%	48-59 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
48-59 month	4.17%	4.25%	59 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
36 - 47 Month Flexible Certificate	4.12%	4.20%	36-47 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
36 - 47 Month Regular CD	4.12%	4.20%	36-47 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
36 - 47 Month Regular Certificate Accounts	4.12%	4.20%	36-47 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
36-47 month	4.12%	4.20%	47 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
30 - 35 Month Flexible Certificate	4.07%	4.15%	30-35 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
30 - 35 Month Regular CD	4.07%	4.15%	30-35 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
30 - 35 Month Regular Certificate Accounts	4.07%	4.15%	30-35 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
30-35 month	4.07%	4.15%	35 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
60 Month Bump-Rate Certificate Accounts	4.07%	4.15%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
60 Month Certificate	4.07%	4.15%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
24 - 29 Month Bump-Rate Certificate Accounts	4.03%	4.10%	24-29 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
24-29 month	4.03%	4.10%	29 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
48 - 59 Month Bump-Rate Certificate Accounts	4.03%	4.10%	48-59 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
48-59 month	4.03%	4.10%	59 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
18 - 23 Month Flexible Certificate	3.98%	4.05%	18-23 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
18 - 23 Month Regular CD	3.98%	4.05%	18-23 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
18 - 23 Month Regular Certificate Accounts	3.98%	4.05%	18-23 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
18-23 month	3.98%	4.05%	23 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
36 - 47 Month Bump-Rate Certificate Accounts	3.98%	4.05%	36-47 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
36-47 month	3.98%	4.05%	47 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
30 - 35 Month Bump-Rate Certificate Accounts	3.93%	4.00%	30-35 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
30-35 month	3.93%	4.00%	35 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
12 - 17 Month Flexible Certificate	3.88%	3.95%	12-17 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
12 - 17 Month Regular CD	3.88%	3.95%	12-17 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
12 - 17 Month Regular Certificate Accounts	3.88%	3.95%	12-17 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
12-17 month	3.88%	3.95%	17 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
6 - 11 Month Flexible Certificate	3.88%	3.95%	6-11 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
6 - 11 Month Regular CD	3.88%	3.95%	6-11 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
6 - 11 Month Regular Certificate Accounts	3.88%	3.95%	6-11 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
6-11 month	3.88%	3.95%	11 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
18 - 23 Month Bump-Rate Certificate Accounts	3.83%	3.90%	18-23 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
18-23 month	3.83%	3.90%	23 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
3 - 5 Month Flexible Certificate	3.83%	3.90%	3-5 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
3 - 5 Month Regular CD	3.83%	3.90%	3-5 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
3 - 5 Month Regular Certificate Accounts	3.83%	3.90%	3-5 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
3-5 month	3.83%	3.90%	5 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
12 - 17 Month Bump-Rate Certificate Accounts	3.74%	3.80%	12-17 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
12-17 month	3.74%	3.80%	17 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
6 - 11 Month Bump-Rate Certificate Accounts	3.74%	3.80%	6-11 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
6-11 month	3.74%	3.80%	11 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
3 - 5 Month Bump-Rate Certificate Accounts	3.69%	3.75%	3-5 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
3-5 month	3.69%	3.75%	5 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

America First Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share Savings	0.05%	0.05%
Min Deposit $1 Min Balance $1 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

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+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Money Market	3.40%	3.45%
Min Deposit $0 Min Balance $0 Details Balance: $250,000.00-$999,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Money Market	2.67%	2.70%
Min Deposit $0 Min Balance $0 Details Balance: $100,000.00-$249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Money Market	2.03%	2.05%
Min Deposit $0 Min Balance $0 Details Balance: $50,000.00-$99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Money Market	1.79%	1.80%
Min Deposit $0 Min Balance $0 Details Balance: $25,000.00-$49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Money Market	1.24%	1.25%
Min Deposit $0 Min Balance $0 Details Balance: $10,000.00-$24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Money Market	1.09%	1.10%
Min Deposit $0 Min Balance $0 Details Balance: $5,000.00-$9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Money Market	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.00-$4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

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+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Premium Checking	0.10%	0.10%
Min Deposit $0 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

America First Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	6.25%	0.5%	6.58%	10 Year Fixed
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
15 Year Fixed	6.38%	0.375%	6.59%	15 Year Fixed
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
20 Year Fixed	6.63%	0.25%	6.78%	20 Year Fixed
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
30 Year Fixed	6.88%	0.625%	7.03%	30 Year Fixed
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
APR (AS LOW AS) - VA 30 Year Loan	6.63%	0.5%	7.14%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Utah Housing VA Loan	6.88%	0.0%	7.35%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
FHA 30 Year Loan	6.50%	0.375%	7.37%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Lot Loan- 10 Year Fixed	6.99%	0 %	7.48%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Utah Housing FHA Loan	6.88%	0.0%	7.71%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

America First Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
No Closing Costs Fixed For 5 HELOC 50% LTV	-	-	6.49%	5 Years
Details Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Fixed For 5 HELOC 80% LTV	-	-	6.74%	5 Years
Details Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Home Equity Loan 50% LTV	-	-	6.89%	5 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Home Equity Loan 50% LTV	-	-	6.99%	10 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Home Equity Loan 80% LTV	-	-	6.99%	5 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Home Equity Line 50% LTV	-	-	7.24%
Details Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Home Equity Loan 80% LTV	-	-	7.24%	10 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Home Equity Line 80% LTV	-	-	7.49%
Details Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Equity Loan 90% LTV	-	-	8.24%	5 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs Home Equity Loan 80% LTV	-	-	8.24%	15 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Equity Loan 90% LTV	-	-	8.49%	10 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Equity Loan 100% LTV	-	-	9.49%	10 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Equity Loan 90% LTV	-	-	9.49%	15 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Equity Loan 100% LTV	-	-	10.49%	15 Years
Details The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

America First Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	5 Years
Details As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Auto Loan - Declining Rate Auto	-	-	5.24%	5 Years
Details As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Auto Loan	-	-	5.99%	7 Years
Details As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Auto Loan - (Minimum Loan Amount of Required)	-	-	7.74%	8 Years
Details $30,000; As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

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; Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Consumer Loans have a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
NEW/USED BOAT Loan	-	7.74%	15 Years
Details As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
NEW/USED BOAT Loan	-	7.74%	12 Years
Details As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
NEW/USED RV BALLOON 10/20 Loan	-	7.74%	20 Years
Details As Low As; Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Consumer Loans have a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
NEW/USED RV Loan	-	7.74%	15 Years
Details As Low As; Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Consumer Loans have a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
ATV / SMALL WATERCRAFT / SNOW MOBILE Loan	-	7.89%	7 Years
Details As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
MOTORCYCLE - (Minimum Loan Amount of Required)	-	7.89%	10 Years
Details $20,000; As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
MOTORCYCLE - (Minimum Loan Amount of Required)	-	8.14%	15 Years
Details $25,000; As Low As; Fixed Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

America First Federal Credit Union Personal Loan Rates

Product	APR	Term
PERSONAL Loan	12.49%	1 Years
Details The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
SIGNATURE 1% CASH BACK Loan	13.99%
Details Unlimited 1% Cash Back Signature Card Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
SIGNATURE 1.5% CASH BACK Loan	17.99%
Details Unlimited 1.5% Cash Back Signature Card Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Unlimited 1.5% Cash Back Signature Card Loan	17.99%
Details As Low As; Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

America First Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
1% Cash Back Classic Card Loan	-	-	17.99%
Details As Low As; Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
CLASSIC FLAT 1% CASH BACK Loan	-	-	17.99%
Details 1% Cash Back Classic Card Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
CLASSIC REWARDS Loan	-	-	17.99%
Details Rewards Classic Card Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
CLASSIC STANDARD RATE Loan	-	-	14.99%
Details Low Rate Classic Card Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Construction - Contractor Built Loan	6.24%	0 %	10.19%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Construction- Self Built Loan	6.24%	0 %	11.76%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Home Loan	6.88%	-	7.03%	30 Year Fixed
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
LINE OF CREDIT	-	-	16.49%	3 months
Details Term: Monthly Payment = 3.5% of balance; The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Lot Loan- 10 Year Variable	6.49%	0 %	7.01%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Lot Loan- 20/5YR Balloon Fixed	6.74%	0 %	7.28%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Lot Loan- 20/5YR Balloon Variable	6.24%	0 %	6.82%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Lot Loan- 30/5YR Balloon Fixed	6.99%	0 %	7.48%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Lot Loan- 30/5YR Balloon Variable	6.49%	0 %	7.05%
Details Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Low Rate Classic Card Loan	-	-	14.99%
Details As Low As; Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Low Rate Platinum Card Loan	-	-	11.49%
Details As Low As; Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 50% LTV	-	-	5.24%	5 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 50% LTV	-	-	5.49%	7 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 50% LTV	-	-	5.74%	10 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 50% LTV	-	-	6.24%	12 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 50% LTV	-	-	6.74%	15 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 80% LTV	-	-	5.49%	5 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 80% LTV	-	-	5.74%	7 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 80% LTV	-	-	5.99%	10 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 80% LTV	-	-	6.49%	12 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 80% LTV	-	-	6.99%	15 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
No Closing Costs First Mortgage 80%LTV/Balloon	-	-	6.24%	20/5 Years
Details As Low As; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
PLATINUM LOW RATE Loan	-	-	11.49%
Details Low Rate Platinum Card Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
PLATINUM REWARDS Loan	-	-	13.99%
Details Rewards Platinum Card Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Rewards Classic Card Loan	-	-	17.99%
Details As Low As; Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
Rewards Platinum Card Loan	-	-	13.99%
Details As Low As; Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%
60 Month Regular CD	4.22%	-	4.30%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

America First Federal Credit Union’s Texas Ratio rose from 4.64% in Q2 2023 to 7.35% in Q1 2026, so its financial health has weakened 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
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+
June 30, 2023	$18.7B	4.64%	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 3,355

Part-Time Employees 203

Branch Locations 116

ATM Locations 120

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

7.35%

Return on Assets (ROA)

0.3482%

Return on Equity (ROE)

3.1322%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

24,729,579,208

Total Amount of Shares and Deposits

21,619,689,404

Total Shares and Deposits < 1 Year

20,078,785,608

Total Shares and Deposits 1 3 Years

1,060,040,470

Total Shares and Deposits > 3 Years

480,863,326

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

2,630,571,018

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

2,640,100,957

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

18,979,588,447

Total Interest Expense (Sum of items 6 8)

120,527,448

Share Certificates

249,041

Number of Accounts for Share Drafts

906,697

IRA KEOGH Accounts

34,510

Number of Accounts for Regular Shares

1,694,866

All other shares

13,177

Non Member Deposits

104

Money Market Shares

436,993

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

86,108,911

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)

3,099,771,421

Total Liabilities

21,851,300,016

Source: NCUA — Last Updated 03/31/2026

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 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 — no need to download or upload anything.

<a href="https://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.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for America First Federal 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for America First Federal Credit Union

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.