How America First Credit Union’s checking accounts compare

It’s nice that America First Credit Union’s checking accounts offer interest and don’t charge monthly maintenance fees. Still, their interest rates are pretty poor compared to many other interest checking accounts.

And while it also does offer a cash back rewards program, you have to actually activate these offers online, which means that there’s no way to assess their value until after you’ve already signed up for an account. For this reason, it’s better to think of this program as icing on a (very small) cake instead of banking on it to earn a decent return.

Overall, while these aren’t bad checking accounts, we suggest passing on them for a checking account that will earn an excellent return on your money.

How America First Credit Union’s savings accounts compare

Unfortunately, America First Credit Union doesn’t offer the greatest of interest rates on its savings accounts. They’re not terrible — for that you’ll need to visit one of the big-name banks — but they’re also not that great, especially compared with other options.

To earn the most money possible on your savings, we recommend these top online savings accounts instead. They’re offering rates almost 20 times higher than America First Credit Union.

How America First Credit Union’s CD rates compare

America First Credit Union offers a lot of high-quality options for its CD accounts. No matter what you’re looking for — the ability to deposit additional money, make penalty-free early withdrawals, or earn higher interest rates — America First Credit Union has a CD for you.

Furthermore, the rates it offers are pretty decent. They’re not the highest (for that you’ll need to check out these CDs), but they’re quite close to the top performers.

Overall, America First Credit Union isn’t a bad option for opening a CD, especially if you’re looking for an odd or unique CD. However, you can still earn better rates elsewhere.

How America First Credit Union’s money market account compares

Just like its savings accounts, America First Credit Union’s money market account falls short in the interest rate department. There are many, many accounts out there offering higher rates than this account, even without all of the fuss with meeting tiered interest rates.

If you’d like to check out a better account, we recommend these high-yielding money market accounts.

How America First Credit Union’s IRA CD rates compare

America First Credit Union’s IRA certificate rates are the same as for its normal certificate rates. And while its normal certificate rates are quite good compared to others in its class, IRA CD rates at other banks are actually pushing even higher. Therefore, we recommend looking at the IRA CD rates being offered at other banks before settling on these ones.