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America First FCU Review

NCUA Insured Institution

America First Federal Credit Union gives you a few options for stashing your cash, though their rates won't exactly make your money work overtime. Their standard savings account offers a modest 0.05% APY with just $1 to get started—handy for beginning savers but significantly below the market average of 2.30%.

Looking for something with a bit more earning potential? Their money market accounts come in two flavors. The entry-level option starts at just $1 with a 1.00% APY, while serious savers can bump up to 1.30% APY by depositing at least $10,000. While these rates beat their basic savings offering, they still trail behind what many competitors are serving up these days.

If you're hunting for truly competitive returns, you might want to shop around. With top savings accounts in the market reaching as high as 4.44% APY, America First's offerings might leave you wanting more from your hard-earned dollars.

America First FCU Bank Rates

These rates were last updated on June 28th, 2025.

Savings

Savings

APY 0.05%
Rate 0.05%
Min to Open $1
Min to Earn $1

Money Market

MMA $10k

APY 1.30%
Rate 1.29%
Min to Open $10,000
Min to Earn $10,000

MMA

APY 1.00%
Rate 1.00%
Min to Open $1
Min to Earn $0

Compared Against Other Banks

To help you see how America First FCU's rates compare to other banks, we have gathered their rates here. These are rated highly for competitive rates, fees, and minimums. All offers are FDIC or NCUA insured.


Peak Bank

Savings

APY 4.44%
Rate 4.34%
To Open $100
To Earn APY $0
To Avoid Fees $0
Monthly Fee $0

Primis Bank

Savings

APY 4.35%
Rate 4.27%
To Open $1
To Earn APY $0
To Avoid Fees $0
Monthly Fee $0

CFG Community Bank

MMA

APY 4.32%
Rate 4.23%
To Open $1,000
To Earn APY $1,000
To Avoid Fees $1,000
Monthly Fee $10

Vio Bank

MMA

APY 4.31%
Rate 4.31%
To Open $100
To Earn APY $0
To Avoid Fees $0
Monthly Fee $0

Bread Savings

Savings

APY 4.30%
Rate 4.21%
To Open $100
To Earn APY $0
To Avoid Fees $0
Monthly Fee $0

Essential Banking Features & Services

Bank Features

Our team manually evaluates each bank across 52 essential features, giving you a comprehensive view of what really matters.

Updated on April 19th, 2025

Full Support
Partial Support
Unavailable
Unknown Support

Cost Benefits

No monthly maintenance fees are charged.
Keep any amount in your account without penalties.
Foreign transaction fees apply to international purchases.
Fees apply when using out-of-network ATMs.
Account includes overdraft protection options.
Fees apply for wire transfers.

America First FCU takes the pressure off your wallet with truly fee-free banking essentials. You'll never face monthly maintenance fees that silently drain your account, regardless of your balance. Plus, there's no minimum balance requirement, giving you complete freedom to use your money when and how you need it without worrying about dropping below an arbitrary threshold.

The credit union also has your back when unexpected expenses arise with robust overdraft protection. This safety net prevents those heart-stopping moments when your card might be declined, while also helping you avoid the steep fees that typically come with overdrawing your account. While America First FCU doesn't waive foreign transaction fees or out-of-network ATM charges, and doesn't offer free wire transfers, their no-fee approach to everyday banking makes them worth considering for your primary financial needs.


Security

Account access is protected by two-factor authentication.
Receive instant notifications for suspicious account activity.
Comprehensive identity theft monitoring and protection included.
Instantly freeze and unfreeze your cards as needed.
Set travel alerts to ensure uninterrupted card access.

Keeping your money safe shouldn't be complicated! With two-factor authentication, your accounts remain protected by requiring a second verification step beyond passwords. When something seems off—like a purchase you didn't make or a login from Timbuktu—real-time fraud alerts ping you instantly, giving you the power to act fast before small issues become big problems.

Misplaced your card at the beach? No sweat! Freeze it immediately with the instant card lock feature right from your phone. And before jetting off on that dream vacation, simply set up travel notifications to ensure your legitimate purchases don't trigger security flags while you're sipping coconut drinks in paradise.

The comprehensive identity theft protection goes beyond basic security by constantly monitoring your personal information across the digital landscape. If anything suspicious pops up, you'll know right away—plus you'll have access to restoration services that help put the pieces back together if someone tries to steal your financial identity. It's like having a personal security guard for your money, working 24/7 so you can sleep soundly.


Mobile

4.8/5
4.7/5
Deposit checks through mobile app.
Find ATMs and branches via mobile app.
Customizable account alerts available.
Push notifications supported.

Banking on the go has never been easier with highly-rated mobile apps for both iOS (4.8/5) and Android (4.7/5) devices. Whether you're checking balances during your morning coffee or transferring funds while waiting for the bus, these intuitive apps put financial management right at your fingertips.

Forgot to deposit that birthday check? Simply snap a photo with your phone's camera using mobile check deposit – no branch visit required! When you're traveling or running errands, the built-in ATM locator helps you find the nearest fee-free cash access points with just a few taps.

Stay in control of your money with customizable account alerts and instant push notifications. Set up alerts for low balances (perfect for avoiding those awkward declined card moments), large purchases, or incoming deposits. Your financial picture remains crystal clear, whether you're at home or halfway around the world.


Transfers & Deposits

Accept automatic deposits from employers and others.
Access direct deposits up to 2 days early.
Send and receive domestic wire transfers.
Send wire transfers to international destinations.
Link and manage external bank accounts.
Move money between banks at no cost.

America First FCU transforms payday stress into financial flexibility with their direct deposit options. Say goodbye to paper checks and hello to immediate fund access—plus, their early direct deposit feature puts your money in your account up to two days before payday. Imagine handling that unexpected car repair without waiting for your regular payday!

Need to move money quickly? America First FCU has you covered with both domestic and international wire transfers for those time-sensitive transactions. While wires handle your urgent needs, their free ACH transfers take care of regular money movements between banks without costing you a dime.

Managing accounts across multiple banks becomes remarkably simple with their external account linking feature. Instead of juggling different banking apps and passwords, you'll view and manage everything in one place—making it easier to track your complete financial picture and move money where you need it, when you need it.


Money Management

Built-in tools for creating and tracking budgets.
View detailed analysis of spending patterns.
Automatically save your purchase round-ups.
Create custom rules for automatic savings.
Create multiple sub-accounts for different purposes.
Schedule and manage bill payments online.

Taking control of your finances just got easier with tools that transform how you track, save, and grow your money. Watch your spending patterns emerge with intuitive analytics that automatically categorize transactions, revealing exactly where your money goes each month. Set up custom budget categories and spending limits that keep your financial goals front and center—no more wondering why your balance doesn't match your intentions!

Turn everyday purchases into meaningful savings without even trying. The round-up feature sweeps spare change from each transaction into your savings, while customizable automation rules can transfer funds based on your schedule or spending habits. Need to save for a vacation while also building an emergency fund? Create sub-accounts that keep your goals organized without the hassle of managing multiple accounts.

Bill payment headaches are a thing of the past when you can schedule and track all your monthly obligations in one place. No more late fees or forgotten due dates—just set up your payments and breathe easier knowing your financial life is running smoothly. These smart money management features work silently in the background, giving you more time to enjoy life and less time worrying about your finances.


Integrations

Send and receive money instantly with Zelle.
Make payments with Apple Pay.
Make payments with Google Pay.
Wise transfers not available.
Connect and sync with QuickBooks.

Need to split the dinner bill or send cash to your college student? You can instantly transfer money to almost any U.S. bank account through Zelle. This lightning-fast service comes at no cost and completes within minutes—perfect for those moments when you need to share expenses without the hassle of cash or checks.

Leave your wallet at home! With full support for both Apple Pay and Google Pay, your smartphone becomes your payment method. Tap to pay at checkout, breeze through online purchases, and enjoy the added security of not having to pull out your physical cards. Whether you're an iPhone devotee or Android enthusiast, you're covered for both in-store and digital shopping sprees.

Small business owners will appreciate the seamless QuickBooks integration that automatically syncs your transactions with your accounting software. Say goodbye to Sunday afternoons spent manually entering receipts and bank statements—your financial data flows directly into your books, saving precious time and reducing those pesky human errors.

While international money transfer service Wise isn't currently supported, the robust lineup of digital payment options makes everyday banking remarkably convenient. From splitting rent payments to contactless checkout and simplified business accounting, these tech-forward integrations transform how you manage your money day to day.


Customer Support

Phone support limited to business hours.
Connect instantly with support via live chat.
Get assistance through email support.
Bill negotiation services not available.
Connect with professional financial advisors.

America First FCU knows that banking questions don't always pop up during business hours. While they don't offer 24/7 phone support, they've made sure you're covered with robust digital assistance options that fit your schedule and communication style.

Their live chat feature shines as a convenient way to get immediate help without waiting on hold. Just click to connect with a representative who can tackle everything from quick balance questions to walking you through more complex account settings. For less urgent matters, their full email support creates a paper trail of your conversation—perfect when you need to reference details later.

Beyond basic account help, America First FCU provides access to financial advisors who can guide your bigger money decisions. Whether you're mapping out retirement plans, figuring out how to save for your dream home, or navigating investment options, their experts are ready to help shape strategies tailored to your goals. While they don't currently offer bill negotiation services, their existing support channels focus on giving you personalized attention when you need it most.


Physical Services

Access banking services at physical branches.
Deposit cash directly into your account.
Withdraw large amounts of cash when needed.
Get cashier's checks when needed.
Access notary services at branches.
Rent safe deposit boxes for valuables.
Exchange foreign currency at branches.
Access extensive network of ATMs.
Use ATMs worldwide for cash access.

America First FCU brings the human touch to banking through its network of physical branches. When you need face-to-face guidance on complex financial matters or services like notarization, their team is ready to help. For those cash-heavy moments—whether you're depositing tips from your weekend job or withdrawing a large sum for a special purchase—they've got you covered with full cash handling capabilities.

Need security? America First steps up with both cashier's checks for major transactions and safe deposit boxes where your family heirlooms and important documents stay protected. Their notary services save you the hassle of hunting down someone to authenticate crucial paperwork, while their currency exchange services mean you won't get stuck with terrible airport exchange rates before your vacation.

Speaking of travel, America First's ATM network extends both domestically and internationally, giving you worry-free access to your money wherever life takes you. No more frantic searches for compatible ATMs or shocking fees when you're far from home—just convenient banking that adapts to your lifestyle.


Additional Services

Access integrated investment accounts.
Cryptocurrency services not available.
Monitor your credit score for free.
Earn cashback on qualifying purchases.
Cannot hold foreign currencies.

Ready to make your money work harder? Investment accounts put you in control of stocks, bonds, and mutual funds directly from your banking dashboard. No more toggling between separate platforms when you want to check your checking account and investment portfolio in one convenient place.

Keep tabs on your financial reputation with built-in credit monitoring that works around the clock. Whether you're planning to apply for a mortgage or simply want peace of mind, you'll receive alerts about changes to your credit report that might impact your score. Imagine knowing immediately if someone tries to open an account in your name!

Your everyday purchases can actually put money back in your pocket with cashback rewards on debit card spending. That morning coffee run or weekly grocery trip? They're now mini-opportunities to earn while you spend. It's like getting a small discount on life's necessities and little luxuries alike.

While cryptocurrency trading and foreign currency accounts aren't currently supported, the combination of investment capabilities, credit vigilance, and cashback benefits creates a robust suite of tools for both growing and protecting your financial future.

Compare & Choose

Compare Options

See how America First FCU stacks up against other top banks. Compare features, rates, and services to find your perfect fit.

Contact Information

Get in Touch

Whether you're interested in opening an account or just want to learn more, you'll find America First FCU's official contact information and website details here.

Headquarters Location

America First FCU

1344 W 4675 S
Riverdale, UT 84405