America First Credit Union is headquartered in Riverdale and is the largest credit union in the state of Utah. It is also the 6th largest credit union in the nation. It was established in 1939 and as of March of 2025, it had grown to 3,203 employees and 1,491,006 members at 121 locations. America First Credit Union's money market rates are 9X 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 portions of six states including: counties of Juab, Salt Lake, or Utah, or in eligible areas of Cache, Davis, Iron, Rich, Washington, or Weber Counties. Eligible areas in counties of Maricopa, Mohave, Page, Pima, or St. Johns. Eligible areas in counties of Ada, Bannock, Bear Lake, Bingham, Boise, Bonneville, Canyon, Caribou, Clark, Elmore, Franklin, Gem, Jefferson, Madison, Owyhee, or Power. Eligible areas in counties of Carson City, Churchill, Clark, Douglas, Esmeralda, Lincoln, Lyon, Mineral, Nye, Storey, or Washoe. Eligible areas in counties of Bernalillo, Chaves, De Baca, Guadalupe, Harding, Mora, Quay, Sandoval, San Miguel, Santa Fe, Torrance, or Valencia. Eligible areas of in Malheur County.
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. Immediate family and household members of an existing America First Credit Union member or of anyone eligible to join also qualify for membership.
See current membership details
Utah First Credit Union
Bryson was absolutely awesome. He made the entire process simple and he was extremely professional. He can be reached at 801-217-9184 if you need your banking needs met.
He is the best!
Jared
America First Credit Union Jettisons HSA Customers
As a long time member I was aghast when on very short notice America First (AF) notified customers by snail mail in April 2024 that the would be moving all HSA account to Lively.com, a fee based HSA investment intermediary. The day of the move was set at June 1st. For those of us with HSA certificate deposits this meant we had to move our funds elsewhere not later than May 3rd or be automatically converted into cash and transferred to Lively. I thought the only time this type of draconian action was ever taken was when a financial institution failed. I'm interested to learn how many AF customers felt they lost money as a result of this decision by AF. I did. Please do chime in. Richard R.
America First For FRAUD!!
Long story short: got my auto loan from deal, provided insurance details. 1 year later their "3rd party" sent RUDE notice for proof of insurance. I decided to provide proof AND pay off the loan in full to stop doing business. They still added the thousands onto my loan AFTER paying it off. Then threatened to hold my title and repo the vehicle. In the meantime, the already sent me the title prior to adding the thousands, and then throw hands in the air like "it's a third party problem". RUN AWAY FAST FROM AMERICA FIRST CREDIT UNION!!!
AFCU Member Since The 90S
I don't understand all the negative reviews of such a great bank. Maybe because people are more apt to leave a review when they are mad or unhappy then they are when things go right.I registered just to leave a review. been with the Credit Union since the 90s, and have had a good experience with them in all that time. Purchased two vehicles with no problems, have an IRA cd with them currently, and have a checking and savings account. They have been great with me and my family with fraud detection and always make good with disputed charges. They have several times caught fraud on my daughter's account without us even calling them. I don't know what people expect a credit union to look like, but the branches around here are gorgeous inside and out. I love America First Credit Union or I would not be with them for nearly twenty-five years. Customer service has always been great to me and I get answered in a decent time whenever I call.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24694 |
| Year Chartered | 1939 |
| Employees | 3203 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.38% |
| Return on Equity - YTD | 12.36% |
| Annual Interest Income | $312.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $22.58B$20.29B |
| Loans | Q1 2025vs Q1 2024 | $15.56B$14.57B |
| Deposits | Q1 2025vs Q1 2024 | $19.86B$17.9B |
| Equity Capital | Q1 2025vs Q1 2024 | $2.48B$2.15B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $282MM$251.7MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $186.8MM$157MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $1.4MM$0 |
