
America First FCU Review
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 August 29th, 2025.
Savings
Savings
Money Market
MMA $10k
MMA
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
Vio Bank
Savings
Valley Direct
Savings
EverBank
Savings
MyBankingDirect
Savings
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 August 12th, 2025
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 knows your money should stay yours, not disappear into fee territory. They've eliminated those pesky monthly maintenance fees that can silently drain your account over time. Plus, there's no minimum balance requirement to worry about—whether you're keeping $50 or $5,000 in your account, you'll never face penalties for dipping below an arbitrary threshold.
Your financial safety net extends with their thoughtful overdraft protection service, helping you avoid those heart-stopping moments when a payment might bounce. Instead of facing embarrassment at the register or incurring hefty fees, America First has your back. However, do note that international travelers might want to plan ahead, as the credit union doesn't waive foreign transaction fees or out-of-network ATM charges. Wire transfer enthusiasts will also need to budget for those services, as they aren't offered for free.
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.
America First FCU doesn't mess around when it comes to keeping your money safe. Their two-factor authentication goes beyond basic passwords, requiring a second verification step that keeps hackers at bay—even if they somehow snag your password. When unusual activity pops up on your account, their real-time fraud alerts ping you instantly, giving you precious time to respond before damage spreads.
Misplaced your card at the beach? No problem! With instant card lock, you can freeze your card right from your phone while you search under your towel. And before your next adventure, simply set up travel notifications so your legitimate purchases in Paris don't trigger security flags. Their identity theft protection works around the clock, monitoring your personal information and stepping in with restoration services if someone tries to become your financial doppelgänger.
Think of America First FCU as your financial bodyguard—always alert, responsive, and ready to act when something doesn't look right. These layered security features work together seamlessly, letting you focus on living your life instead of worrying about the safety of your accounts.
Mobile
- 4.8/5
- 4.6/5
- Deposit checks through mobile app.
- Find ATMs and branches via mobile app.
- Customizable account alerts available.
- Push notifications supported.
America First FCU puts banking convenience right at your fingertips with highly-rated mobile apps for both iOS (4.8/5) and Android (4.6/5) devices. Whether you're team Apple or Android, you'll enjoy seamless account management, transfers, and more through these user-friendly interfaces that members clearly love.
Need to deposit a check but can't make it to a branch? Simply snap a photo through the mobile check deposit feature and you're done! When you're out and about, the built-in ATM locator helps you find the nearest fee-free options—perfect for when you're traveling or exploring a new neighborhood.
Staying on top of your finances has never been easier with America First's robust alert system. Set up customizable account alerts for everything from low balances to large transactions, and receive instant push notifications that keep you informed in real-time. It's like having a personal financial assistant that fits in your pocket!
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 puts you in control of your money with flexible deposit and transfer options. Direct deposit eliminates paper checks while giving you immediate access to your funds—and with Early Direct Deposit, you can access your paycheck 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 has you covered with both domestic and international wire transfers for those time-sensitive transactions. While wires handle your urgent needs, free ACH transfers work perfectly for your regular money movements between accounts. The credit union also lets you link external accounts from other banks, so you can view and manage all your finances in one convenient place.
Whether you're sending money to family overseas, paying bills ahead of schedule, or simply consolidating your financial view, America First FCU's transfer and deposit features keep your financial life running smoothly without the hassle.
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.
America First FCU puts financial control right at your fingertips with a complete suite of money management tools. Their intuitive budgeting features track your spending by category with visual breakdowns that make sticking to your financial goals feel less like a chore and more like a game you can win. The spending analytics go deeper by automatically categorizing transactions and revealing patterns—ever wonder why your coffee budget mysteriously expands every winter?
Saving money becomes almost effortless with America First's automated options. Their round-up feature turns everyday purchases into mini-savings opportunities by rounding transactions to the nearest dollar. Meanwhile, customizable savings rules work silently in the background, transferring funds based on your preferences—perfect for those who struggle with the "out of sight, out of mind" approach to saving.
Staying organized is a breeze with their practical sub-accounts that keep your vacation fund separate from your emergency savings without the hassle of juggling multiple accounts. And when it's time to pay bills, their centralized bill pay system helps you avoid the late-night panic of remembering an unpaid utility bill. It's like having a personal financial assistant who never takes a day off.
Integrations
- Send and receive money instantly with Zelle.
- Make payments with Apple Pay.
- Make payments with Google Pay.
- Send international transfers through Wise.
- Connect and sync with QuickBooks.
America First FCU keeps your financial life seamlessly connected with popular digital tools. Need to split a dinner bill or pay your roommate? Zelle lets you send money to virtually any U.S. bank account in minutes at no cost. For everyday purchases, the credit union fully supports Apple Pay and Google Pay, turning your smartphone into a secure wallet for tap-and-go convenience at checkout or streamlined online shopping.
Beyond everyday transactions, America First thinks globally with Wise integration. This means you can send money internationally with better exchange rates and clearer pricing than traditional transfers—perfect when supporting family abroad or making payments overseas. Small business owners and freelancers will appreciate the QuickBooks connection that automatically syncs transactions, saying goodbye to manual receipt entry and hello to more accurate bookkeeping.
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.
Need banking help at 3 AM when you've spotted a suspicious charge? While 24/7 phone support isn't currently available, you're not left in the dark when questions arise. The credit union's robust live chat feature connects you with real help instantly—perfect for those moments when you need quick answers without the phone queue.
Staying organized is easy with email support, giving you a paper trail for those detailed questions about your accounts or services. This comes in handy when you need to reference previous conversations or share specific information about your banking needs.
Planning for your financial future? You'll appreciate direct access to financial advisors who can guide you through life's big money moments. Whether you're mapping out retirement plans, figuring out how to fund your child's education, or simply optimizing your savings strategy, these professionals provide personalized advice tailored to your goals. Unfortunately, bill negotiation services aren't currently part of the package, so you'll need to handle those cable bill discussions on your own.
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.
Need that personal touch for your banking needs? Walk into any branch location for those moments when a face-to-face conversation makes all the difference. Whether you're getting documents notarized, discussing complex financial matters, or simply prefer speaking with someone in person, branch access creates that human connection many digital services can't match.
From depositing your weekly tips to withdrawing cash for a major purchase, the physical banking services have you covered. Safe deposit boxes keep your treasured heirlooms and important documents secure, while cashier's checks provide that extra layer of security when closing on your dream home or making other significant purchases.
Travel plans on the horizon? Skip the airport currency exchange counters with their sky-high fees. Currency exchange services help you prepare for your international adventures with better rates. And once you're abroad, you'll appreciate the seamless access to local currency through international ATMs – perfect for that spontaneous street market shopping or emergency cash needs while traveling.
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.
America First FCU brings your financial world together with smart investment accounts that seamlessly connect to your banking. Why juggle multiple platforms when you can buy stocks, bonds, and mutual funds right alongside your checking account? This integration makes tracking your complete financial picture a breeze, whether you're saving for retirement or building wealth.
Credit monitoring comes standard at America First, keeping you in the know about your financial health. They'll alert you to changes that might impact your score—perfect for catching potential identity theft early or knowing exactly where you stand before applying for that mortgage. Plus, their cashback rewards program turns everyday purchases into money back in your pocket. Coffee runs and grocery trips actually pay you back!
While America First covers these essential services, they don't currently support cryptocurrency transactions or foreign currency accounts. For members interested in digital currencies like Bitcoin, you'll need to use a separate exchange platform. Similarly, frequent international travelers or those dealing in multiple currencies will need to look elsewhere for managing diverse currency holdings.
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.
America First FCU
1344 W 4675 SRiverdale, UT 84405
Follow America First FCU on social media