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America First Credit Union Review: What You Need to Know

Banking, Banks & Credit Unions, Checking Accounts, Savings Accounts
America First Credit Union Review: Checking and Savings
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America First Credit Union
NerdWallet’s rating: 4.0 / 5.0

Where America First Credit Union shines:

  • Competitive yields on certificates of deposit
  • Free nationwide access to thousands of ATMs
  • No monthly fees on checking or savings accounts

Where it falls short:

  • Limited membership in a handful of Western states
  • $25 overdraft fee, charged if your checking account goes negative

Where America First Credit Union shines:

  • Competitive yields on certificates of deposit
  • Free nationwide access to thousands of ATMs
  • No monthly fees on checking or savings accounts

Where it falls short:

  • Limited membership in a handful of Western states
  • $25 overdraft fee, charged if your checking account goes negative

Where America First Credit Union shines:

  • Competitive yields on certificates of deposit
  • Free nationwide access to thousands of ATMs
  • No monthly fees on checking or savings accounts

Where it falls short:

  • Limited membership in a handful of Western states
  • $25 overdraft fee, charged if your checking account goes negative

 

The bottom line

Utah-based America First Credit Union offers free checking and savings options, which give access to the CO-OP ATM network nationwide. Certificates of deposit also have attractive features, including rates that are competitive with online banks’. (But if you want high rates and more access to your money, check out NerdWallet’s best online savings accounts.) Membership is mostly restricted to people in a handful of counties in Utah, Arizona, Idaho and Nevada, along with workers in Utah’s food industry. Branches are similarly limited to the West.

Best if: you’re eligible to be a member and want high CD rates or low-cost bank accounts.

America First Federal Credit Union
Learn more
at America First

» Want to see more options? Check out our list of best credit unions


Ratings methodology

NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, customer experience and overdraft fees.

Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation.

The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.

Updated Feb. 5, 2018