America First Federal Credit Union
4774 South 1300 West, Building # 3
Riverdale, UT 84405
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ACH 324377516
Phone 1-800-999-3961
2023 Overview
General Credit Union Information
America First is an NCUA insured institution located in Riverdale, UT. It was founded in 1939 and has approximately $17596.56 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 | $17,596.56 million |
| Loans | $12,490.08 million |
| Deposits | $15,689.88 million |
| Capital | $1,805.87 million |
Field of Membership Restrictions
Deposit Rates - January 30, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
1.50% | $1 | - |
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|
|
Money Market
|
0.75% | $0 | $4,999 |
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|
|
Money Market
|
1.75% | $10,000 | $14,999 |
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|
|
Money Market
|
3.00% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
2.35% | $500 | - |
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|
| 6 Mo CD
|
3.15% | $500 | - |
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|
| 12 Mo CD
|
4.50% | $500 | - |
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|
| 18 Mo CD
|
4.50% | $500 | - |
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|
| 24 Mo CD
|
4.75% | $500 | - |
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|
| 30 Mo CD
|
3.75% | $500 | - |
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|
| 36 Mo CD
|
4.00% | $500 | - |
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|
| 48 Mo CD
|
4.00% | $500 | - |
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|
| 60 Mo CD
|
4.25% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $0 | - | Learn More |
Loan Rates - January 30, 2023
Your Current Location: Virginia, VA 20146
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 4.24% | 4.24% | $463.13 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
5.21% | 5.21% | $2,676.76 | |
| 15 Year Fixed Conforming See Amortization Table |
5.14% | 5.14% | $1,995.79 | |
| 20 Year Fixed Conforming See Amortization Table |
5.62% | 5.62% | $1,736.00 | |
| 30 Year Fixed Conforming See Amortization Table |
5.96% | 5.96% | $1,492.93 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
5.21% | 5.21% | $2,676.76 | |
| 15 Year Fixed Conforming See Amortization Table |
5.14% | 5.14% | $1,995.79 | |
| 20 Year Fixed Conforming See Amortization Table |
5.62% | 5.62% | $1,736.00 | |
| 30 Year Fixed Conforming See Amortization Table |
5.96% | 5.96% | $1,492.93 | |
Compare with 5.328% APR and 5.250% 30-Year Fixed RATE from PenFed Credit Union
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:
Ashburn,Virginia
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 |
|---|---|
| 4.61% | 4.63 |
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 September 30, 2022, America First had $81,491,372 in non-current loans and $11,155,689 in owned assets. To cover these potential losses it had $1,805,867,857 in net worth and $204,351,316 in loans loss reserves. That gives it a Texas Ratio of 4.61%.
Net Worth
| America First | U.S. Average |
|---|---|
| 10.4% | 12.52% |
America First FCU has a net worth of 10.4% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for AMERICA FIRST
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.
Is this review helpful? Yes:0 / No: 0
JAClark
March 5, 2019 |
Mrb for 33yrs. 100% OUTSTANDING in every regard!
Is this review helpful? Yes:0 / No: 0
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