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America First Credit Union Mortgage Refinance Rates
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Bottom Line: You’ll love America First Credit Union if you’re considering banking options in the West Coast region. CDs pay some of the best rates out there, but savings and money market accounts have relatively low interest rates.
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You will need to open a savings account with America First Credit Union to become an America First member. The account charges no monthly fees and requires only $1 to open and maintain a membership.
The America First Credit Union Classic checking account is a convenient option if you’re looking for a free checking account.
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But be careful when drawing too much. America First offers a line of credit with overdraft protection, but you still pay a $25 fee.
America First offers high prices for CDs. It has a variety of CD sharing options, including flexible certificates that allow you to deposit and withdraw money after opening one. Regardless of the term you choose, you will also get a good interest rate.
An America First Credit Union Money Market Savings Account may be ideal if you can maintain a large balance in your account. Account balances over $5,000 earn higher interest than credit union savings accounts, but are still less than what online banks can offer.
America First also has a money market checking account that comes with a debit card, but you’ll need to deposit at least $10,000 to open an account.
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America First Credit Union has 128 branches in Arizona, Idaho, Nevada and Utah. Members can also access 5,600 participating branches and 60,000 ATMs at no additional cost through the shared CO-OP network.
Customer support is available via phone, email, or live chat. Contact a customer service representative between 8:00 a.m. and 8:00 p.m. MT on weekdays or 8:00 AM to 7:00 PM MT on Saturdays.
The America First mobile app has a 4.7 out of 5 star rating on the Google Play Store. In the Apple Store, it received 4.9 out of 5 stars.
America First NCUA is federally insured, so up to $250,000 is safe in your bank account.
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You are eligible to become a member of America First Credit Union if you live, work, worship or volunteer in one of the counties in Arizona, Idaho, Nevada, or Utah on this list. If you have a family member or spouse who is a current member, you can join.
We also include ratings from the Better Business Bureau to provide insight into how financial institutions address customer concerns and manage transparency practices. First America Credit Union is rated A+ by the BBB.
Both financial institutions offer solid CDs. Ally is one of the few banks that does not require a minimum deposit to open, so it will be the best option if you have less than $500 to start.
If you prefer to put $500 or more into a CD, you’ll need to review CD withdrawal penalties and interest rates to see which institution has the best options for you.
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CIT Bank can be a good option if you are planning to have a jumbo CD. If you are looking for the highest interest rate, it may depend on the term you choose.
The decision between these institutions can also come down to preferences between online and traditional banks. CIT Bank is an online-only institution, so you’ll need to be comfortable with online and mobile banking. If you find it difficult to manage your account this way, you may prefer to bank with America First because they have physical branches.
Sofia Acevedo is Business Insider’s banking editor. He edits and writes banking commentary, banking guides, and banking and savings articles for the Personal Finance Insider team. He is also a Certified Personal Finance (CEPF) teacher. Sophia joined Business Insider in July 2021. Sophia is a graduate of California State University Fullerton, where she studied journalism and minored in political science. It is based in Southern California. You can contact her on Twitter at @sophieacvdo or send an email to donator@sacevedo. Read more about how Finance Insider’s staff selects, evaluates, and covers financial products and services >> Below are links to most of its products. Famous stories:
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Written by Jeff Ostrowski Jeff Ostrowski is a senior writer, Specializing in Home Loan Bars • Mortgages • Mortgage Refinancing Jeff Ostrowski covers mortgages and the housing market. Before joining in 2020, he spent more than 20 years writing about real estate, business, economics and politics. Read more Twitter LinkedIn Email Jeff Ostrovsky
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