Check out the most recent America First Credit Union bonuses, promotions, and offers here.
Update 10/8/25: There’s currently a $250 checking bonus available for a limited time for Arizona residents.
America First Credit Union Bonuses Review
America First Credit Union is headquartered in Riverdale and is the largest credit union in the state of Utah. Plus, it’s also the 9th largest credit union in the nation. It was established in 1939 and has grown to over 1 million members in 134 locations.
| Eligibility: Live, work, (or regularly conduct business in), worship, volunteer, or go to school in Salt Lake County, Utah, Weber County, Utah, Davis County, Utah, Utah County, Utah, Juab County, Utah, Mohave County, Arizona, Maricopa County, Arizona, Clark County, Nevada, Lincoln County, Nevada, except those living within 25 miles of the Alamo, NV U.S. Post Office. There are many eligibility categories, so be sure to check out their membership page. |
I’ll go over the America First Credit Union offers below.
America First Credit Union $250 Checking Bonus (Arizona)
- What you’ll get: $250 Bonus
- Eligible account: Checking Account
- Availability: AZ
- Credit Inquiry: Unknown
- Monthly Fee: $0
- Direct Deposit Required: Yes
- How to earn it:
- Open a new checking and savings account.
- Members must receive direct deposits of at least $500 within 60 days of account opening.
- Cash bonuses will be paid within 30 days of completing requirements and will be forfeited if accounts are closed or transferred within six months.
(Limited time offer)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- Membership, eligibility, terms, creditworthiness, conditions & change apply.
- Applicants cannot have opened an America First within the last 12 months, must mention this offer, which cannot be combined with any other, and be Arizona residents.
- Direct deposit does not include peer-to-peer transfers such as Zelle® and Venmo, etc.
- Not available on business, secondary, special, changed, employee or volunteer accounts.
- Cash bonuses will be paid within 30 days of completing requirements and will be forfeited if accounts are closed or transferred within six months.
- Members must receive direct deposits of at least $500 within 60 days of account opening.
- America First Premium Checking has a 0.10% Annual Percentage Yield (APY) and share savings has an APY of 0.05% as of 7/8/2025.
- Federally insured by NCUA.
America First Credit Union $150 Checking Bonus (SEG Employees)
- What you’ll get: $150 Bonus
- Eligible account: Checking & Savings Account
- Where it’s available: UT, NV, AZ, ID, OR, NM
- Credit Inquiry: Unknown
- Monthly Fee: $0
- Direct Deposit Required: Yes
- How to earn it:
- Open a Share Savings account
- Open a checking account with a Visa® debit card
- Sign up for online statements
- Enroll in Direct Deposit and deposit $250 or more
(Limited time offer)
| KeyBank Checking ($300 bonus) | HSBC Premier Checking (Up to $3,500 Cash Bonus), |
Fine Print
- This offer is valid for those who are 18 or older, are verified employees of this Select Employer Group (SEG), and cannot be combined with any other promotion.
- New accounts opened at dealerships are ineligible.
- Members cannot have had new accounts within the last 24 months.
- Accounts and loans are subject to membership, eligibility, terms, creditworthiness, conditions & change.
- Qualifying direct deposits must total $250 or more.
- Not available for business, secondary, or special accounts.
- America First employees and official family are ineligible.
- Bonus will be paid within 60 days of qualifying.
- Applicants will forfeit cash bonuses if accounts are closed or transferred within six months.
- Taxes on cash bonuses are the responsibility of receiving members.
- Share Savings, and Premium & Classic Checking, have an Annual Percentage Yield (APY) of 0.05% as of 3/15/2023.
- Federally insured by NCUA. Equal Opportunity Lender.
America First Credit Union $200 Checking Bonus (Expired)
With America First Credit Union, open a qualifying checking account to receive a $200 bonus offer.
- What you’ll get: $200 Bonus
- Eligible account: Checking & Savings Account
- Where it’s available: AZ, ID, NM, NV
- Credit Inquiry: Unknown
- Monthly Fee: $6; waivable
- Direct Deposit Required: Yes
- How to earn it:
- For a limited time, new members who open new Premium Checking accounts and cancel paper statements will get $150!
- And you can sign up for and receive new direct deposits to receive an extra $50.
(Limited time offer)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- Offer is valid for residents of AZ, ID, NM, or NV who are 18 or older and cannot be combined with any other promotion.
- New accounts opened at dealerships are ineligible.
- Members cannot have had Premium Checking within the last 24 months.
- Eligibility, terms, creditworthiness & conditions apply and are subject to change.
- Qualifying direct deposits must total $500 or more.
- Not available for business, secondary, or special accounts. America First employees and official family are ineligible.
- Bonus will be paid within 60 days of qualifying.
- Applicants will forfeit cash bonuses if accounts are closed or transferred within six months.
- Taxes on cash bonuses are the responsibility of receiving members.
- Premium Checking has an Annual Percentage Yield (APY) of 0.05% as of 1/9/2023.
- Federally insured by NCUA.
America First Credit Union $100 Checking Bonus (NV – Sparks Branch) (Expired)
With America First Credit Union, open a savings account with a minimum deposit of $1 and add a checking account to receive a $100 bonus offer.
- What you’ll get: $100 Bonus
- Eligible account: Checking & Savings Account
- Where it’s available: NV – Sparks Branch
- Credit Inquiry: Unknown
- Monthly Fee: $0
- Direct Deposit Required: Yes
- How to earn it:
- Open a checking or savings account and America First Credit Union will match your initial deposit up to $100.
- America First share savings accounts require $1 minimum deposits.
- Applicants must mention this promotion and be 18 years of age or older.
(Limited time offer)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Bank Basic Business Checking ($200 Bonus) | Axos Business Premium Savings ($600 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
Fine Print
- Accounts & terms are subject to creditworthiness and change.
- Membership, eligibility & conditions apply.
- Cannot be combined with any other offer.
- Special, business, and secondary accounts, as well as existing accounts opened in the last 12 months, are ineligible.
- Applicants must mention this promotion and be 18 years of age or older.
- New accounts must remain open for at least six months or promotion incentive will be forfeited.
- Federally insured by NCUA.
America First Credit Union $100 Checking/Savings Bonus — Military Offer (Expired)
With America First Credit Union, open a savings account with a minimum deposit of $1 and add a checking account to receive a $100 bonus offer.
- What you’ll get: $100 Bonus
- Eligible account: Checking & Savings Account
- Where it’s available: UT (Bank Locator)
- Credit Inquiry: Unknown
- Monthly Fee: $0
- Direct Deposit Required: Yes
- How to earn it:
- Open a checking or savings account
- Put in a free visa debit card
- Sign up for free Online Statements
- Enroll in Direct Deposit
(Limited time offer)
| CIT Bank Platinum Savings (3.85% APY + $225 or $300 Bonus). | Live Oak Bank Savings (4.00% APY) |
| SoFi Checking & Savings ($325 Bonus + 3.80% APY) | Harborstone Credit Union Money Market (4.10% APY) |
Fine Print
- For people who are already members, they are limited to $100.
- This offer will only work if the member doesn’t have product or service.
- Your employer verification is needed with the most up to date paystub.
- Must be eligible.
How To Waive Monthly Fees
- Classic Checking: None
- Basic Business Checking: None
- Non-Profit Business Checking: None
- Premium Checking: $6 monthly fee. Use America First Rewards™ points or qualify for the cost waiver.
- Premier Business Checking: $8 monthly fee.
- High-Yield Business Checking: $50 monthly fee.
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Conclusion
Overall, if you sign up for a checking or savings account, you can see there are some perks that you would be able to benefit from. If you reside in Utah, then this is a great bonus to have. You would get a free visa debit card and no monthly service fee included.
Also, CD accounts or Savings Accounts are another great way to earn and save money. If you are interested, check out our nationwide lists here:
If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
But, feel free to comment below if you have experience banking with America First Credit Union. Also, let us know if the account triggers a soft pull or hard pull.
Check back often for more America First Credit Union Coupons, Promotions, or Offers!
