America First Federal Credit Union
4774 South 1300 West, Building # 3
Riverdale, UT 84405
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Phone 1-800-999-3961
2021 Overview
General Credit Union Information
America First is an NCUA insured institution located in Riverdale, UT. It was founded in 1939 and has approximately $15856.86 millions in assets.
Who can join?
You can be eligible for membership by meeting any of the following requirements:
Live, work (or regularly conduct business in), worship, volunteer, or attend school in Salt Lake County, Utah; or within a 12-
mile radius of the Mesquite, Nevada U.S. Post Office.
Live, work (or regularly conduct business in), worship, volunteer, or attend school in Utah County, or Juab County, Utah.
Live, work (or regularly conduct business in), worship, volunteer, or attend school in Clark County, Nevada.
Owners, employees, suppliers and their employees, or associated companies and their employees involved in the food industry, in Utah.
Live, work (or regularly conduct business in), worship, volunteer, or attend school in Lincoln County, Nevada except those
living within a 25 mile radius of Alamo Post Office.
Employee, or member of a Select Employee Group (SEG) or of an affiliated association in Utah. (List: https://assets.americafirst.com/iframe/select-employee-group.html)
Member of the immediate family or household of an existing member or those eligible for membership.
Spouse of a person who died while within the field of membership.
Existing member of America First Federal Credit Union.
Employee of America First Federal Credit Union or its subsidiary corporations.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24694 |
| Date Established | 1939 |
| Assets | $15,856.86 million |
| Loans | $10,181.50 million |
| Deposits | $14,230.43 million |
| Capital | $1,553.32 million |
Field of Membership Restrictions
Deposit Rates - October 25, 2021
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $1 | - |
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|
|
Money Market
|
0.05% | $0 | $4,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.20% | $500 | - |
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|
| 6 Mo CD
|
0.25% | $500 | - |
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|
| 12 Mo CD
|
0.35% | $500 | - |
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|
| 18 Mo CD
|
0.35% | $500 | - |
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|
| 24 Mo CD
|
0.40% | $500 | - |
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|
| 30 Mo CD
|
0.40% | $500 | - |
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|
| 36 Mo CD
|
0.45% | $500 | - |
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|
| 48 Mo CD
|
0.60% | $500 | - |
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|
| 60 Mo CD
|
0.70% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $0 | - | Learn More |
Loan Rates - October 25, 2021
Your Current Location: Connecticut, CT 06828
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 4.24% | 4.24% | $463.13 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
3.22% | 3.13% | $1,741.52 | |
| 20 Year Fixed Conforming See Amortization Table |
3.59% | 3.50% | $1,449.90 | |
| 30 Year Fixed Conforming See Amortization Table |
3.81% | 3.75% | $1,157.79 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
3.22% | 3.13% | $1,741.52 | |
| 20 Year Fixed Conforming See Amortization Table |
3.59% | 3.50% | $1,449.90 | |
| 30 Year Fixed Conforming See Amortization Table |
3.81% | 3.75% | $1,157.79 | |
Compare with 3.151% APR and 3.125% 30-Year Fixed RATE from Better.com
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are America First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Fairfield,Connecticut
Climate Initiatives
AMERICA FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
America First Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of America First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| America First | U.S. Average |
|---|---|
| 5.71% | 3.79 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2021, America First had $85,364,351 in non-current loans and $13,832,671 in owned assets. To cover these potential losses it had $1,553,317,306 in net worth and $182,765,152 in loans loss reserves. That gives it a Texas Ratio of 5.71%.
Net Worth
| America First | U.S. Average |
|---|---|
| 10.39% | 12.22% |
America First FCU has a net worth of 10.39% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About America First
Branches and Savings
What is America First?
A federal credit union, registered with the NCUA under certificate #24694.
Learn more about credit unions here.
Is America First FDIC insured?
No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. America First is insured by the NCUA.
Who can join America First?
Please see Field of Membership information above for information on who is eligible to join.
How big is America First?
America First has total capital of $1,553.32 million. Full information on America First's financial position is located above.
Who owns America First?
Credit Unions are owned by their members.
Where are America First branches located?
See branch locations nearby.
Are America First ATMs Open 24/7?
Do America First ATMs accept cash deposits?
Can America First customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does America First have a mobile app?
Does America First have mobile deposit?
Does America First have quick pay?
How can America First transfer money to other banks or credit unions?
Does America First report to credit bureaus?
Does America First use Chexsystems?
Does America First use Equifax?
What is America First's toll free phone number?
What is America First's ACH Routing Number?
What is America First's SWIFT code?
Where can I find America First's wire transfer form?
What is the America First address for deposits?
What Products Does America First Offer
Does America First offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
jkihl
February 27, 2020 |
Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable
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me
January 29, 2020 |
Switched to AF about 5 years ago after previous CU raised minimum rates. Local branch location staff great at remembering customers, great customer service. Not too thrilled with lower rates for savings products and/or higher rates for loan products.
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Lg shappart
March 27, 2019
Why is America first credit union not matching cd rates at Cyprus and golden west cu on 5 year cd forceing us to change credit unions after 30+ years with America first really disappointed in not being competive.
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JAClark
March 5, 2019 |
Mrb for 33yrs. 100% OUTSTANDING in every regard!
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