America First Credit Union review: High interest rates on CDs, and free savings and checking accounts

America First Credit Union has 128 branches in Arizona, Idaho, Nevada, and Utah.

The bottom line: You may like America First Credit Union if you are exploring regional banking options on the West Coast. It pays some of the best CD rates out there, but the savings and money market accounts have pretty low interest rates.

Overall credit union ratingFeatureInsider rating (out of 5)Savings4Checking3.75Money market4CD3.75Trustworthiness5Total4Pros and consProsCons

Free savings and checking accounts with low minimum opening deposits

High interest rates on CDs

No monthly service fees

Only available if you’re in select counties in Arizona, Idaho, Nevada, and UtahLow interest rates on savings accountsInterest compounded monthly, not daily$25 charge if you use overdraft protectionAmerica First Credit Union Share Savings Account

You’ll have to open the America First Credit Union Share Savings Account to become a member at America First. The account doesn’t charge any monthly fees and only requires…

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This article was written by Sophia Acevedo, CEPF,Evelyn He and originally published on