America First Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.55%	5-year CD	60 Month Regular Dedicated Savings Certificate 2.25% - Ally Bank High Yield 5 Year CD
2.55%	5-year IRA	60 Month IRA Dedicated Savings IRA Certificate (Traditional, CESA) 1.56% - National Average
1.06%	1-year CD	12 Month Flexible Certificate 1.50% - Ally Bank No Penalty 11-Month CD

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Overview / Commentary

www.americafirst.com

801-627-0900

4774 S 1300 W Bldg 3
Riverdale, UT 84405-3621

America First Credit Union is headquartered in Riverdale and is the largest credit union in the state of Utah. It is also the 11^th largest credit union in the nation. It was established in 1939 and as of June of 2017, it had grown to 2,562 employees and 861,285 members at 127 locations. America First Credit Union's CD rates are 39% higher than the national average, and it 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

Best bank that I have ever dealt with.

Posted by: tanikale17 | Jul 31, 2017

This credit union took care of all of my immediate family's needs as well as much of my extended family. I also had many friends that trust their finances with this institution as well. There was some fraud that occurred on our checking account a couple of times, and they made it really easy to go in and report the fraud and return the funds to our account as well as get us new debit cards super fast. Their online features made it really convenient and easy to do banking without having to go into a location and transfer funds between accounts. They had us on a great set-up where if we accidentally went over in our checking account, it would pull from another one of our accounts so we wouldn't ever have a fee. They are very community oriented and even sponsored a team for Ragnar, a relay race, I was on.

Comment

1

Excellent customer service

Posted by: darrelballard | Jun 23, 2017

We have banked with America First for the 12 years we have been married. We have a savings and a checking account with them. We have always been impressed with their customer service. Any time we have had any issues, they happily resolve them in a professional manner. We always feel that they are trustworthy and are looking out for our best interests. Overall, I would highly recommend America's First and have done so with my family.

Comment

1

Credit Union Review from Tekoissexy

Posted by: tekoissexy | Oct 10, 2016

I opened my account with this credit union about six months or so ago after royally being screwed over by a different credit union. At the time I was picking credit unions I really really didn't want to open another account. After going to several banks and credit unions I finally decided on America First. So far I have had a great experience with them, I have been able to use their account protection several times without any issues and even if my account goes in the negative for more than 30 days they keep my account open (most other banks close your account). My credit isn't good enough to get a loan with them so thus far I have not even tried to do so but I imagine if I did it would be easy and they would be very helpful. I had an over draft fee come out because of a bank check from ebay and the credit union was awesome and reversed the charge even though I had already been in the negative that month from using my account protection.

Comment

1

America First Puts Customer Service First, but isn't very competitive

Posted by: SpencerBrock2016 | Nov 19, 2016

I've been with America First Credit Union for over 4 years now. In that time, things have been pretty steadily good. Our interactions with the staff, however, has been pretty phenomenal. They are always very attentive at their locations and have always been extremely friendly. I live in a friendly city, but they are more than normal and it's a breath of fresh air to get an institution that treats you so nicely. As far as the banking aspects, however, they don't offer the most competitive rates when compared to an online bank. Their web experience is not too shabby, but their mobile experience could use some revision. It's just really hard to navigate and doesn't contain all the features that are accessible if you were to use their website.

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1

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Health

A

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24694
Year Chartered	1939
Employees	2562
Primary Regulator

Profit Margin
Return on Assets - YTD	1.11%
Return on Equity - YTD	10.95%
Annual Interest Income	$145.5MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$8.94B$7.72B
Loans	Q2 2017vs Q2 2016	$6.39B$5.51B
Deposits	Q2 2017vs Q2 2016	$7.88B$6.78B
Equity Capital	Q2 2017vs Q2 2016	$893.2MM$807.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$92.3MM$87.0MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$56.5MM$33.5MM
Real Estate Owned	Q2 2017vs Q2 2016	$28.9MM$31.9MM

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