Overview / Commentary
4774 S 1300 W Bldg 3
Riverdale, UT 84405

America First Credit Union is headquartered in Riverdale and is the largest credit union in the state of Utah. It is also the 9th largest credit union in the nation. It was established in 1939 and as of December of 2018, it had grown to 2,928 employees and 1,001,404 members at 134 locations. America First Credit Union has an A health rating.

Field of Membership Restrictions

Membership in America First Credit Union is open to those who live, work, regularly conduct business, worship, attend school, or volunteer in Salt Lake County, Utah or within a 12 mile radius of the Mesquite Nevada Post Office; or in Utah County, or Juab County, Utah; or in Clark County and portions of Lincoln County, Nevada. Membership is also open to owners, employees, suppliers and their employees, or associated companies and their employees involved in the food industry in Utah and to employees, or members of a Select Employee Group (SEG) or of an affiliated association in Utah. (Membership requirements are listed in the credit union's online application).
See current membership details

Related Posts

America First CU - Another Institution Drops Rates - 4/3/2019

It appears that all CD rates have been cut by 0.25% to 0.50%. On the short end, the 6-11 month CD was 3.00%, now it is 2.50%. On the long end, the 60 month CD was 3.50%, now it is 3.00%.

America First Credit Union's 12-Month CD Now Earns 3.00% APY - 3/18/2019

America First CU (UT/NV/ID/AZ/OR) 12-29 month Regular Certificate now earns 3.00% APY. Minimum deposit is $500, with no stated balance cap.

America First Credit Union Ups 6-11 Month CD To 3.00% APY - 2/9/2019

America First CU (UT/NV/ID/AZ/OR) has raised the rate on its 6-11 months Regular Certificate (3.00% APY). Minimum deposit is $500, with no stated balance cap.

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My experience with America First Credit Union

My wife and I have used America First Credit Union for the past several years. We first approached them for a car loan in 2012 on 2011 Chevrolet impala. The response we received was impressive. The car-loan specialist was friendly and professional. We received approval for the loan within a couple of days. The interest rate was favorable and were ultimately very pleased with the experience.
Since that time, we have used America First for check cashing, and savings deposits. About a year ago, we bought another car, a 2014 Dodge Caravan. As we were impressed with the service we received on or previous car loan, we approached them about this new purchase. Again, we received the same excellent service, with a favorable repayment schedule and interest rate.
They are an excellent banking service and we recommend them highly.

I love credit unions

Posted by: kirkhaas | Mar 22, 2018

I've been with America First Credit Union for many years and have had nothing but positive experiences with them. I like the ease of use of their online bill pay. I lived out of the country for 3 years while with them, and never had any issues with my debit card or bills being paid on time. They have branch locations at convenient places, including grocery stores and Walmart. They are open longer hours than traditional banks. They have convenient ATM locations as well. There are no fees that I need to worry about and free checking. My one complaint is that they don't offer a higher interest rate on checking accounts with high balances. I keep over $20K in my checking, and it would be nice to earn some interest on that.

America First Credit Union Great for young people

I started banking with america first credit union back when i was 18 years old. to get started they made it very simple for me just to get started with a regular savings account, you just need to have a minimum amount at all times to keep your account active, so no worries about scheduling transfers that can give you headaches. they easiy approved me for refinancing on my vehicle with great interest rates Im pretty sure other places would just flat out denied me due to my age and lack of credit history. they are truly great and offer the best rates. I f you want something done go with America First.

Run Like A National Bank, Not A Credit Union

America First Credit Union is massive and growing, and certainly does not treat customers like a field of membership for a credit union. It offers its members 0.05% checking rates and 0.10% savings rates, which certainly make it profit driven, and competes with JP Morgan, Bank of America, Citigroup, Wells Fargo deposit rates without paying any taxes on its profits. The savings rates have not moved, despite numerous Federal Reserve interest rate increases. I have moved my money from AFCU and am more interested in credit unions that view their role as part of a community and field of membership, rather than just seeing themselves as a competitor to Zions.



Health Grade Components

NCUA #24694
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD11.3%
Annual Interest Income$397.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$10.32B$9.21B
LoansQ4 2018vs Q4 2017$8.42B$6.96B
DepositsQ4 2018vs Q4 2017$9.10B$8.11B
Equity CapitalQ4 2018vs Q4 2017$1.06B$912.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$134.4MM$105.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$97.5MM$72.5MM
Real Estate OwnedQ4 2018vs Q4 2017$25.4MM$29.9MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

America First CU - Another Institution Drops Rates

CTM   |  
It appears that all CD rates have been cut by 0.25% to 0.50%.

On the short end, the 6-11 month CD was 3.00%, now it is 2.50%.
On the long end, the 60 month CD was 3.50%, now it is 3.00%.


Rates for America First Credit Union are currently being reviewed.



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