America First Credit Union Share Savings Account Review

America First Credit Union Share Savings Account is offered by America First Credit Union, a credit union founded in 1985 and based in Salt Lake City, UT. America First Credit Union Share Savings Account is available in 4 states across the USA.

• Higher than average APY. America First Credit Union Share Savings Account has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1.
• $0 monthly fee. This account does not charge a monthly Service Charge.
• Small minimum initial deposit. You only need $1 to open an account.
• No ATM fees. America First Credit Union Share Savings Account does not charge fees on ATM transactions.

Pros	Cons
Interest-yielding account. Deposits are insured by the NCUA (up to $250K). Access to physical branches. No charge on incoming domestic or international wire transfers.	No signup bonus. Does not come with a debit card Not FDIC-insured. Only available in 4 states. Higher than average wire transfer fees. No ATM access to savings.

Are savings accounts from America First Credit Union federally insured?

Yes, your America First Credit Union savings accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

Does America First Credit Union offer a signup bonus?

America First Credit Union savings account doesn't offer a signup bonus.

What is the minimum initial deposit for America First Credit Union savings account?

The minimum deposit to open a America First Credit Union savings account is $1.

America First Credit Union Share Savings Account Minimums

Description
APY Minimum Balance	$1
Minimum Opening Deposit	Starting at $1

What APY does America First Credit Union offer?

America First Credit Union savings account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does America First Credit Union savings account charge?

America First Credit Union savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

• Outgoing domestic bank transfers come with a $15 fee.
• Outgoing international bank transfers come with a $30 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
• America First Credit Union savings account charges $5 every time you request a paper statement.

What features and perks does America First Credit Union savings account offer?

This savings account includes the following features:

• Check images with monthly statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks for each statement period.
• Fraud monitoring - America First Credit Union savings account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
• Mobile Banking Services - America First Credit Union savings account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
• Nationwide ATM network - Conveniently transact at a nearby ATM.

Can you set up a direct deposit to America First Credit Union savings account?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for America First Credit Union savings account?

The customer support email for America First Credit Union savings account is support@americafirst.com .