|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Americas First Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 13, 2026
You can compare Americas First Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.25%, 6-month share certificate rates at 3.65% and 3-month share certificate rates at 0.95%. Savings rates are at 0.75% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Americas First Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Americas First Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.37%. Rates were last updated on 03/13/2026. Americas 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 Americas First Federal Credit Union? Share your experience about Americas First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Americas First Federal Credit Union. Americas First Federal Credit Union
Main Office 1200 4th Ave N
https://www.amfirst.org Birmingham, AL 35203 1631 
Americas First Federal Credit Union Checking Rates
Americas First Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Americas 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 Americas 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 Americas First Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Americas First Federal Credit Union
Website
https://www.amfirst.org
Address
1200 4th Ave N,
Birmingham, AL 35203 1631
Phone
205-320-4185
Fax
205-320-7042
President
Ross Mitchell
CEO
Kevin Morris
Full-Time Employees
433
Part-Time Employees
23
Branch Locations
22
ATM Locations
22
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.37%
Return on Assets (ROA)
1.1134%
Return on Equity (ROE)
9.2055%
Non-Performing Loans Ratio (NPL)
0.78%
Total Assets
2,625,201,585
Total Amount of Shares and Deposits
2,285,430,872
Total Shares and Deposits < 1 Year
2,245,514,064
Total Shares and Deposits 1 3 Years
22,926,541
Total Shares and Deposits > 3 Years
16,990,267
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
105,123,699
Total Uninsured Shares and Deposits > $250K (F+J)
105,123,699
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,180,307,173
Total Interest Expense (Sum of items 6 8)
26,660,016
Share Certificates
16,628
Number of Accounts for Share Drafts
118,905
IRA KEOGH Accounts
6,617
Number of Accounts for Regular Shares
221,537
All other shares
154
Money Market Shares
3,284
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
178,550,713
Total Liabilities
2,312,816,717
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Americas First Federal Credit UnionIs Americas First Federal Credit Union a safe place to deposit money?Yes, Americas First Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.3671069301994%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Americas First Federal Credit Union operate?Americas 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 Americas First Federal Credit Union?Yes, to access services at Americas 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, Americas 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, Americas First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Americas First Federal Credit Union offer online and mobile banking?Most modern institutions like Americas 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.amfirst.org. Compare to Other Credit Unions
Harrison County Federal Credit Union
United Teletech Financial Federal Credit Union
WES Credit Union
North Central Area Credit Union
TFCU Credit Union
Community Powered Federal Credit Union
RIVERSIDE COMMUNITY
Brookline Municipal Credit Union
Americas First Network Credit Union
Essex County Teachers Federal Credit Union
Community Star Credit Union
Seagoville Federal Credit Union
Alpha Credit Union
Brookland Federal Credit Union
GFA Federal Credit Union
Government Employees Federal Credit Union
Credit Union West Credit Union
Commonwealth Credit Union
Magnolia Federal Credit Union
SP Trainmen Federal Credit Union
Tippecanoe Federal Credit Union
|
||||||||||||||||||||||||
