Core Insights - America First Credit Union, established in 1939, has grown to serve 1.5 million members with a variety of banking products and services for both personal and business customers [1] Product Offerings - Checking accounts include Classic Checking with no monthly fees, Premium Checking with added benefits for a $6 fee, and Money Market Checking requiring a $10,000 minimum deposit [4] - Savings accounts feature Share Savings with a $1 minimum balance, Money Market Savings with no minimum balance, and specialized accounts like Wedding Savings and Health Savings Accounts [5][6][7][21] - Certificate accounts offer various options with terms from three months to five years and a $500 minimum opening deposit [6] - IRAs are available for retirement savings, including traditional and Roth IRAs [7] - A range of Visa credit cards is offered, including rewards and cash-back options [8] - Insurance services include auto, home, and life insurance products through third-party providers [9] - Business banking products encompass checking, savings, loans, and credit cards tailored for business customers [10] Loan Products - Vehicle loans are available for various types of vehicles, including cars, RVs, and boats [11] - Personal loans offer flexible financing options with terms up to 60 months [12] - Home equity loans and lines of credit are provided for home improvements and wealth building [13] - Mortgage loans include options for first-time buyers and renovation loans [14] Fees and Charges - Various fees are associated with accounts, including a $2.50 monthly fee for inactive accounts and a $6 fee for Premium Checking, which can be waived under certain conditions [15][16] Membership and Eligibility - Membership is limited to individuals living, working, or attending school in specific areas across several states, including Utah, Nevada, Arizona, Idaho, Oregon, and New Mexico [22][26] - To become a member, an individual must open a share savings account [23] Customer Service and Technology - Customer service is available through multiple channels, and a mobile app allows members to manage accounts and perform transactions [20] Social Responsibility - America First Credit Union engages in community support through the America First Charitable Foundation, contributing to various philanthropic efforts [21]