America First Credit Union Bonuses and Promotions for 2025
Written by
Cynthia Bowman
Edited by
Melanie Grafil
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America First Credit Union was founded in 1939 in Salt Lake City, Utah. Residents in select areas of Utah, Nevada, Oregon, Idaho, New Mexico and Arizona are eligible for credit union membership. Credit unions often provide lower-cost banking services than banks.
Like many banks, America First Credit Union also provides enticing cash bonuses to attract new members.
Current America First Credit Union Bonuses: September 2025
America First Credit Union currently has no cash bonuses. Instead, the bank is offering high rates for savings products like certificates of deposit (CDs), money market savings and an education savings account.
| Account | APY | Expiration Date |
|---|---|---|
| Certificate Account | Up to | APY subject to change |
| Money Market Savings Account | Up to | APY subject to change |
| Coverdell Education Savings | Up to | APY subject to change |
Certificate Account: 3-5 Month Term for
America First offers a range of certificate terms and the minimum deposit to earn interest is relatively low at $500.
- Minimum deposit to qualify:Â $500
- Expiration date:Â APY subject to change
- How to claim: You can open an account online and make the initial deposit through a transfer or check deposit.
- When you’ll get it: Dividends are credited monthly, and accounts start earning interest as soon as they are funded.
- Terms and conditions: You can deposit up to $10,000 each month, but the account balance can’t exceed $100,000. If you withdraw your funds before the end of the term there may be a withdrawal penalty.
- Monthly fee:Â None
Learn more about the America First Credit Union Certificate Account.
Money Market Savings Account: Up to
Unlike CDs, this money market savings account doesn’t allow you to lock in an interest rate for a term. You need a high account balance to get the best rate, but you can still earn some interest even if you only have $1 in your account.
- Minimum deposit to qualify:Â $1,000,000
- Expiration date:Â APY subject to change
- How to claim: You can open an account online and make the initial deposit through a transfer or check deposit.
- When you’ll get it: Accounts start earning interest as soon as they meet the minimum earning balance.
- Monthly fee:Â None
Here’s more on how to open an America First Credit Union Money Market Account.
Coverdell Education Savings: Up to
This Coverdell education savings account allows you to deposit up to $2,000 each year for a child under 18. You also won’t have to pay taxes if you withdraw the money for qualifying educational expenses.
- Minimum deposit to qualify:Â $500
- Expiration date:Â APY subject to change
- How to claim: You can open an account online and make the initial deposit through a transfer or check deposit.
- When you’ll get it: Dividends are credited monthly.
- Terms and conditions: Accounts start earning interest as soon as they are funded, and dividends are credited monthly. The account can’t have more than $100,000 in it.
- Monthly fee:Â None
Open an America First Credit Union Coverdell Education Savings account today.
How To Qualify for the America First Credit Union Promotions
To earn these rates, you’ll first need to become a credit union member. Membership is simple — all you need to do is show you’re a resident in the credit union’s area of service. To keep up to date with America First offers, check back each month for new updates.
More About America First Credit Union
Information on promotions is accurate as of Sept. 2, 2025. Additional requirements may apply. Offers and terms are subject to change.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
