Credit union · NCUA insured
America First Credit Union Savings Rates
Top CarrotAmerica First Credit Union’s best savings rate is 3.95% APY on $10,000, with its Dedicated Savings. Rates checked October 22, 2026.
How America First Credit Union’s savings rates compare
Compared with banks and credit unions near Salt Lake City, UT, where America First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
Dedicated Savings
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
America First Credit Union savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0003.95%
- $10,000 balance$10,0003.95%
- $100,000 balance$100,0003.95%
- QualifiedQualified3.95%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where America First Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Dedicated Savings
3.95%APY · 1 term
Requires $10 minimum monthly automatic deposit. Additional deposits allowed up to $10,000 per month. Limited to $100,000 total in one or multiple dedicated savings accounts. Early withdrawal penalties may apply. Maintenance or activity fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsRequires $10 minimum monthly automatic deposit. Maximum deposit $10,000 per month, up to $100,000 total across accounts. Early-withdrawal penalties may apply. Dividends credited monthly | 3.95% | $97 |
Sources (1)
- americafirst.com/accounts/cert…s/dedicated-savings.html · captured Oct 22, 2026
Money Market
1.25%APY
Tiered dividends; dividends credited monthly. Dividend rate and APY may change monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Minimum earning balance $0.00. | 1.00% | — | Minimum earning balance $0.00. |
| $5,000 – $10,000Minimum earning balance $0.00. | 1.10% | — | Minimum earning balance $0.00. |
| $10,000 – $25,000Minimum earning balance $0.00. | 1.25% | $125 | Minimum earning balance $0.00. |
| $25,000 – $50,000Minimum earning balance $0.00. | 1.80% | — | Minimum earning balance $0.00. |
| $50,000 – $100,000Minimum earning balance $0.00. | 2.05% | — | Minimum earning balance $0.00. |
| $100,000 – $250,000Minimum earning balance $0.00. | 2.70% | — | Minimum earning balance $0.00. |
| $250,000 – $1,000,000Minimum earning balance $0.00. | 3.45% | — | Minimum earning balance $0.00. |
| $1,000,000 and upMinimum earning balance $0.00. | 3.90% | — | Minimum earning balance $0.00. |
Sources (1)
- americafirst.com/accounts/savi…oney-market-savings.html · captured Oct 4, 2026
Share Savings
0.05%APY
Part of member ownership in America First Credit Union; starts upon joining. Account is free with a maintained balance of $1.00. Dividends credited monthly; rate and APY subject to monthly change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMaintained balance of $1.00 keeps account free. Fees could reduce earnings. Dividends are credited monthly.$1 and up | 0.05% | $5 | Maintained balance of $1.00 keeps account free. Fees could reduce earnings. Dividends are credited monthly. |
Special-purpose accounts
IRA Dedicated Savings
4.00%APY · 1 term
IRA options available (including Roth IRA Dedicated Savings). Requires $10 minimum monthly automatic deposit. Additional deposits allowed up to $10,000 per month. Limited to $100,000 total across accounts. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsRequires $10 minimum monthly automatic deposit. Maximum deposit $10,000 per month, up to $100,000 total across accounts. Early-withdrawal penalties may apply. Dividends credited monthly | 4.00% | $198 |
Sources (2)
- americafirst.com/accounts/cert…s/dedicated-savings.html
- americafirst.com/accounts/ira-investing/roth-ira.html
All captured Oct 22, 2026
Student Savings Account
0.05%APY
Exclusively for members under 26 years of age. Members will be notified of account conversions before they occur. Dividends credited monthly; dividend rate and APY may change monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $499Tier 0 - $499. For members under 26. Fees could reduce earnings. Dividends are credited monthly. | 4.00% | — | Tier 0 - $499. For members under 26. Fees could reduce earnings. Dividends are credited monthly. |
| $500 – $999Tier $500 - $999. For members under 26. Fees could reduce earnings. Dividends are credited monthly. | 3.70% | — | Tier $500 - $999. For members under 26. Fees could reduce earnings. Dividends are credited monthly. |
| $1,000 and upTier $1,000 +. For members under 26. Fees could reduce earnings. Dividends are credited monthly. | 0.05% | $5 | Tier $1,000 +. For members under 26. Fees could reduce earnings. Dividends are credited monthly. |
Sources (2)
- americafirst.com/accounts/savi…ent-savings-account.html
- americafirst.com/accounts/savings-accounts.html
All captured Oct 22, 2026
IRA Accumulator Account
1.50%APY
For members wanting to open an IRA without a $500 minimum deposit. No minimum balance required. Earns a competitive dividend rate with the same tax benefits as an IRA certificate. Available for Traditional, Roth, and Coverdell Education Savings Accounts. Early-withdrawal penalties may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarly-withdrawal penalties may apply. Dividends are credited monthly. Dedicated Savings allow additional deposits of up to $10,000 each calendar month. Each member is limited to $100,000 in any one or combination of Dedicated Savings accounts.Any balance | 1.50% | $150 | Early-withdrawal penalties may apply. Dividends are credited monthly. Dedicated Savings allow additional deposits of up to $10,000 each calendar month. Each member is limited to $100,000 in any one or combination of Dedicated Savings accounts. |
Who can join America First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.