America First Credit Union

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 2019, it had grown to 3,084 employees and 1,089,451 members at 138 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).
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A Great Non-Profit Financial Institution!

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I have enjoyed my membership in America First CU! I have always been treated with curtesy and addressed as a member, not just an account number. If I have questions about CDs and Retirement instruments I can speak with the department that handles the different products offered. AFCU does offer competitive CD rates; I say this because I do the research nationally. No, their interest rates on checking and savings are non competitive with online savings institutions, that is because online account, such as Discover Bank, do not have the expense of brick and mortar Remember too that banks are for-profit entities, whereas, CUs are membership owned and can offer good rates to their members. Yes, it would be great to have the highest rates for all financial products in one financial institution, but competition is the way of healthy economic growth.

I love credit unions

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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.

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.


if I could give zero stars I would , absolutely the worst bank to ever use- zero communication between there underwriting- they claim they have no abilitiy to communicate with their other bank departments. They make you jump through hoops to get them what they need. DO NOT USE THIS BANK$$$$$$$$$$$$$$$$$$$$$$$$$$$ IT WILL COST YOU MONEY!!!!!!!!!!!!!!!!1 RUN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!



Health Grade Components

NCUA #24694
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD11.61%
Annual Interest Income$494.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$11.71B$10.32B
LoansQ4 2019vs Q4 2018$9.36B$8.42B
DepositsQ4 2019vs Q4 2018$10.35B$9.10B
Equity CapitalQ4 2019vs Q4 2018$1.16B$1.06B
Loan Loss AllowanceQ4 2019vs Q4 2018$171.5MM$134.4MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$125.0MM$97.5MM
Real Estate OwnedQ4 2019vs Q4 2018$22.7MM$25.4MM

Rates for America First Credit Union are currently being reviewed.



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