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: 3.90%, 24-Month CD: 3.95%, 60-Month CD: 4.30%, Savings: 3.90%, MMA: 3.90%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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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 9, 2026

America First Federal Credit Union's top rates as of October 9, 2026 are 4.50% APY on its 24 - 29 Month Flexible CD, 3.90% 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 24 - 29 Month Regular CD at 4.50%, 60 Month Flexible CD at 4.50%, and 60 Month Regular CD at 4.50%. 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 10/09/2026.

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 Flexible Certificate	4.41%	4.50%	24-29 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 9, 20264.50%▲ from 4.30% Oct 5, 20264.30%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
24 - 29 Month Regular CD	4.41%	4.50%	24-29 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 9, 20264.50%▲ from 4.30% Oct 5, 20264.30%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 Month Flexible Certificate	4.41%	4.50%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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%
60 Month Regular CD	4.41%	4.50%	60 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 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%
24-29 month Certificate	4.41%	4.50%	24-29 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15% Oct 9, 20264.50%▲ from 4.15% Oct 5, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 month Certificate	4.41%	4.50%	60 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15% Oct 9, 20264.50%▲ from 4.35% Oct 5, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
24-29 month Dedicated Savings Certificate	4.41%	4.50%	24-29 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 month Dedicated Savings Certificate	4.41%	4.50%	60 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48 - 59 Month Flexible Certificate	4.36%	4.45%	48-59 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25% Oct 5, 20264.45%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48 - 59 Month Regular CD	4.36%	4.45%	48-59 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25% Oct 5, 20264.45%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48-59 month Certificate	4.36%	4.45%	48-59 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 4.30% → 4.45% ▲ 0.15 pts · high 4.45% / low 4.30% Oct 9, 20264.45%▲ from 4.30% Oct 5, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48-59 month Dedicated Savings Certificate	4.36%	4.45%	48-59 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36 - 47 Month Flexible Certificate	4.31%	4.40%	36-47 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 5, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36 - 47 Month Regular CD	4.31%	4.40%	36-47 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 5, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36-47 month Certificate	4.31%	4.40%	36-47 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25% Oct 9, 20264.40%▲ from 4.25% Oct 5, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36-47 month Dedicated Savings Certificate	4.31%	4.40%	36-47 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
24 - 29 Month Bump-Rate Certificate Accounts	4.27%	4.35%	24-29 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10% Oct 9, 20264.35%▲ from 4.10% Sep 21, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
24-29 Month Certificate	4.27%	4.35%	24-29 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 9, 20264.35%▲ from 4.15% Oct 5, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30 - 35 Month Flexible Certificate	4.27%	4.35%	30-35 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 5, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30 - 35 Month Regular CD	4.27%	4.35%	30-35 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 5, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 Month Bump-Rate Certificate Accounts	4.27%	4.35%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 9, 20264.35%▲ from 4.15% Sep 21, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 Month Certificate	4.27%	4.35%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 5, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded 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 Details One-time bump during original term Last Updated 10/09/2026 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%
60 month Bump-Rate Certificate	4.27%	4.35%	60 Months
Min Deposit $500 Details One-time bump during original term Last Updated 10/09/2026 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%
30-35 month Certificate	4.27%	4.35%	30-35 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20% Oct 9, 20264.35%▲ from 4.20% Oct 5, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30-35 month Dedicated Savings Certificate	4.27%	4.35%	30-35 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48 - 59 Month Bump-Rate Certificate Accounts	4.22%	4.30%	48-59 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 9, 20264.30%▲ from 4.10% Sep 21, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48-59 Month Certificate	4.22%	4.30%	48-59 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times 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 Details One-time bump during original term Last Updated 10/09/2026 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 Accounts	4.17%	4.25%	36-47 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 9, 20264.25%▲ from 4.05% Sep 21, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36-47 Month Certificate	4.17%	4.25%	36-47 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times 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 Details One-time bump during original term Last Updated 10/09/2026 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 Accounts	4.12%	4.20%	30-35 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30-35 Month Certificate	4.12%	4.20%	30-35 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times 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 Details One-time bump during original term Last Updated 10/09/2026 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 Flexible Certificate	4.03%	4.10%	18-23 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05% Oct 5, 20264.10%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18 - 23 Month Regular CD	4.03%	4.10%	18-23 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05% Oct 5, 20264.10%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18-23 month Certificate	4.03%	4.10%	18-23 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95% Oct 9, 20264.10%▲ from 3.95% Oct 5, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18-23 month Dedicated Savings Certificate	4.03%	4.10%	18-23 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12 - 17 Month Flexible Certificate	3.98%	4.05%	12-17 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 5, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12 - 17 Month Regular CD	3.98%	4.05%	12-17 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 5, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12-17 month Certificate	3.98%	4.05%	12-17 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Oct 9, 20264.05%▲ from 3.90% Oct 5, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12-17 month Dedicated Savings Certificate	3.98%	4.05%	12-17 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
6 - 11 Month Flexible Certificate	3.93%	4.00%	6-11 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95% Oct 5, 20264.00%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
6 - 11 Month Regular CD	3.93%	4.00%	6-11 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95% Oct 5, 20264.00%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
6-11 month Certificate	3.93%	4.00%	6-11 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 9, 20264.00%▲ from 3.85% Oct 5, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
6-11 month Dedicated Savings Certificate	3.93%	4.00%	6-11 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18 - 23 Month Bump-Rate Certificate Accounts	3.88%	3.95%	18-23 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% Oct 9, 20263.95%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18-23 Month Certificate	3.88%	3.95%	18-23 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
3 - 5 Month Flexible Certificate	3.88%	3.95%	3-5 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% Oct 5, 20263.95%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
3 - 5 Month Regular CD	3.88%	3.95%	3-5 Months
Min Deposit $500 Min Balance $500 Details Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90% Oct 5, 20263.95%▲ from 3.90% Sep 14, 20263.90%first recorded 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 Details One-time bump during original term Last Updated 10/09/2026 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	3.88%	3.95%	3-5 Months
Min Deposit $500 Details Rates valid up to $100,000 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80% Oct 9, 20263.95%▲ from 3.80% Oct 5, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
3-5 month Dedicated Savings Certificate	3.88%	3.95%	3-5 Months
Min Deposit $0 Details Requires monthly automatic transfer of at least $10; limit $100,000 combined Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12 - 17 Month Bump-Rate Certificate Accounts	3.83%	3.90%	12-17 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 9, 20263.90%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12-17 Month Certificate	3.83%	3.90%	12-17 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.90% APY · checked 2 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 Details One-time bump during original term Last Updated 10/09/2026 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 Accounts	3.78%	3.85%	6-11 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80% Oct 9, 20263.85%▲ 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 Certificate	3.78%	3.85%	6-11 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.85% APY · checked 2 times 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 Details One-time bump during original term Last Updated 10/09/2026 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 Accounts	3.74%	3.80%	3-5 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 9, 20263.80%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
3-5 Month Certificate	3.74%	3.80%	3-5 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.80% APY · checked 2 times 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 Details One-time bump during original term Last Updated 10/09/2026 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%
12 month Flexible Certificate	3.74%	3.80%	12 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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%
Details Balance: $1,000,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
BUSINESS MONEY MARKET SAVINGS	3.40%	3.45%
Details Balance: $250,000 - $999,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY 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 10/09/2026 Rate History No change since Sep 29, 2026 · 2.70% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 2.05% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.80% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 3 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 $1,000,000 Details Balance: $1,000,000.00+ Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	3.40%	3.45%
Min Deposit $0 Min Balance $250,000 Details Balance: $250,000.00-$999,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	2.67%	2.70%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	2.03%	2.05%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	1.79%	1.80%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	1.24%	1.25%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Money Market	1.09%	1.10%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.00-$9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.10% APY · checked 2 times 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 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%
Details Balance: $1,000,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
BUSINESS MONEY MARKET SAVINGS	3.40%	3.45%
Details Balance: $250,000 - $999,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY 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 10/09/2026 Rate History No change since Sep 29, 2026 · 2.70% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 2.05% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.80% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.10% APY · checked 3 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 10/09/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 3 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+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY 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 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY 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%	0.625%	6.735%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 6 changes since Sep 14, 2026 · 6.48% → 6.74% ▲ 0.25 pts · high 6.96% / low 6.48% Oct 9, 20266.74%▼ from 6.96% Oct 5, 20266.96%▲ from 6.86% Oct 2, 20266.86%▼ from 6.96% Sep 29, 20266.96%▲ from 6.86% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
15 Year Fixed	6.50%	0.625%	6.756%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 7 changes since Sep 14, 2026 · 6.44% → 6.76% ▲ 0.31 pts · high 6.86% / low 6.44% Oct 9, 20266.76%▼ from 6.86% Oct 5, 20266.86%▲ from 6.84% Oct 2, 20266.84%▼ from 6.86% Sep 29, 20266.86%▲ from 6.84% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
20 Year Fixed	6.875%	0.5%	7.066%	20 Year
No additional details. Last Updated 10/09/2026 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 Year
No additional details. Last Updated 10/09/2026 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.48% APR · checked 8 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 10/09/2026 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 10/09/2026 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 10/09/2026 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.89% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 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 Variable Last Updated 10/09/2026 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 Variable Last Updated 10/09/2026 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 Fixed; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 90% LTV	-	-	8.49%	10 Years
Details Fixed; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 100% LTV	-	-	9.49%	10 Years
Details Fixed; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 90% LTV	-	-	9.49%	15 Years
Details Fixed; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Equity Loan 100% LTV	-	-	10.49%	15 Years
Details Fixed; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 8 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 Fixed; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Auto Loan - Declining Rate Auto	-	-	5.24%	5 Years
Details Fixed; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Auto Loan	-	-	5.99%	7 Years
Details Fixed; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 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; Fixed; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
NEW/USED BOAT Loan	-	7.74%	15 Years
Details Fixed; 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 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
NEW/USED BOAT Loan	-	7.74%	12 Years
Details Fixed; 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 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 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 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.74% APR · checked 5 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
ATV / SMALL WATERCRAFT / SNOW MOBILE Loan	-	7.89%	7 Years
Details Fixed; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
MOTORCYCLE Loan	-	7.89%	10 Years
Details As Low As; Fixed; Minimum Loan Amount of $20,000 Required Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
MOTORCYCLE Loan	-	8.14%	15 Years
Details As Low As; Fixed; Minimum Loan Amount of $25,000 Required Last Updated 10/09/2026 Rate History No change since Sep 14, 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
SIGNATURE 1% CASH BACK Loan	13.99%
Details Unlimited 1% Cash Back Signature Card Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 13.99% APR · checked 6 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 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. Consumer Loans have a maximum APR of 18%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
SIGNATURE 1.5% CASH BACK Loan	17.99%
Details Unlimited 1.5% Cash Back Signature Card Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 17.99% APR · checked 6 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; 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. Consumer Loans have a maximum APR of 18%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 7 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
ATV / SMALL WATERCRAFT / SNOWMOBILE Loan	-	-	7.89%	7 Years
Details As Low As; Fixed. The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. 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 10/09/2026 Rate History No change since Sep 17, 2026 · 7.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
CLASSIC FLAT 1% CASH BACK Loan	-	-	17.99%
Details 1% Cash Back Classic Card Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 17.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
CLASSIC REWARDS Loan	-	-	17.99%
Details Rewards Classic Card Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 17.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
CLASSIC STANDARD RATE Loan	-	-	14.99%
Details Low Rate Classic Card Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 14.99% APR · checked 5 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.19% APR · checked 8 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.76% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
Home Loan	7.25%	-	7.361%	30 Year Fixed
Last Updated 10/09/2026 Rate History 3 changes since Sep 21, 2026 · 7.03% → 7.36% ▲ 0.33 pts · high 7.41% / low 7.03% Oct 9, 20267.36%▼ from 7.41% Oct 5, 20267.41%▲ from 7.25% Sep 25, 20267.25%▲ from 7.03% Sep 21, 20267.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
LINE OF CREDIT	-	-	16.49%	3 months
Details Term: Monthly Payment = 3.5% of balance Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 16.49% APR · checked 6 times 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.01% APR · checked 8 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 8 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.82% APR · checked 8 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.48% APR · checked 8 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; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.05% APR · checked 8 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 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. Consumer Loans have a maximum APR of 18%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 7 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 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. Consumer Loans have a maximum APR of 18%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 7 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; 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 Thursday, October 01, 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 10/09/2026 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%
No Closing Costs First Mortgage 50% LTV	-	-	5.49%	7 Years
Details As Low As; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
No Closing Costs First Mortgage 50% LTV	-	-	5.74%	10 Years
Details As Low As; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 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%
No Closing Costs First Mortgage 80% LTV	-	-	6.49%	12 Years
Details As Low As; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 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; 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 Thursday, October 01, 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
PLATINUM LOW RATE Loan	-	-	11.49%
Details Low Rate Platinum Card; Visa Platinum requires a $6,000 minimum limit Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
PLATINUM REWARDS Loan	-	-	13.99%
Details Rewards Platinum Card Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 13.99% APR · checked 5 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 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. Consumer Loans have a maximum APR of 18%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 7 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 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. Consumer Loans have a maximum APR of 18%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
12-17 Months Certificate	3.98%	-	4.05%	12-17 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
18-23 Months Certificate	4.03%	-	4.10%	18-23 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
24-29 Months Certificate	4.41%	-	4.50%	24-29 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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%
3-5 Months Certificate	3.88%	-	3.95%	3-5 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
30-35 Months Certificate	4.27%	-	4.35%	30-35 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
36-47 Months Certificate	4.31%	-	4.40%	36-47 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
48-59 Months Certificate	4.36%	-	4.45%	48-59 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
6-11 Months Certificate	3.93%	-	4.00%	6-11 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.33%
60 Months Certificate	4.41%	-	4.50%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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%

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 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

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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 CD3.80%
18-Month CD3.90%
24-Month CD3.95%
60-Month CD4.30%
Savings3.90%
MMA3.90%

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

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America First Federal Credit Union Rates & Review October 2026

Brian McKay

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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