Credit Union
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America First Credit Union

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About Credit Union

America First Credit Union is a not-for-profit cooperative financial institution that was founded on March 16, 1939, in Salt Lake City, Utah. The credit union started with just 79 members and total assets of $788, operating from a small office in Fort Douglas' Building 207 with service hours on Fridays only. However, the credit union has since grown significantly, with over 1.3 million members and assets of $17.39 billion.

One of the unique characteristics of America First Credit Union is that, to date, it has had just five Presidents/CEOs in its 82-year history. The credit union is dedicated to creating lifetime memberships with its members, and its mission of service extends beyond just helping people maintain financial well-being. The credit union's employee volunteer program, the Greater Good, encourages its staff to donate time and resources to their communities, and the credit union engages in philanthropic activities that benefit organizations working to end homelessness and assist the impoverished.

As a member-owned institution, America First Credit Union operates as a cooperative, with its members owning and governing the organization. The credit union is regulated by the National Credit Union Administration (NCUA), and its savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government. America First Credit Union ranks as the 7th largest credit union in assets in the United States and the 5th largest credit union in membership in the country.

The routing number for America First Credit Union is 322275607, which is a 9-digit number used for various financial transactions such as direct deposit, tax refunds, retirement benefits, electronic deposits, and online or phone payments. It is required for transfers to your account from another financial institution and for electronic payments.

Key Features

Here are some key features of America First Credit Union:

Member-owned

America First Credit Union is a member-owned financial cooperative, which means that its members are also its owners. This cooperative structure allows members to have a say in the credit union's decision-making process.

Mission of service

America First Credit Union's mission of service extends beyond just helping people with their financial needs. The credit union is dedicated to positively impacting the communities where it operates through philanthropic activities and employee volunteer programs.

Long-standing leadership

America First Credit Union has had just five Presidents/CEOs in its 82-year history, which is a testament to the stability and continuity of its leadership.

Federal charter

America First Credit Union operates under a federal charter, which means that it is regulated by the National Credit Union Administration (NCUA) and is subject to federal laws and regulations.

Insured savings

America First Credit Union's savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government, providing members with peace of mind and security.

Commitment to member service

America First Credit Union is committed to providing excellent member service and offers a range of resources and support to help members achieve their financial goals.

Requirements

To become a member of America First Credit Union, individuals must meet one of the following eligibility requirements:

  1. Live, work (or regularly conduct business in), worship, volunteer, or attend school in certain Utah, Nevada, Arizona, Idaho, Oregon, or New Mexico counties.

  2. Be an owner, employee, or supplier involved in the food industry in Utah.

  3. Be an employee or member of a Select Employer Group (SEG) or an affiliated association.

  4. Be a member of the immediate family or household of an existing member or someone who is eligible for membership.

  5. Be a spouse of a member who died within the field of membership.

  6. Be an existing America First Credit Union member.

  7. Be an employee of America First Credit Union or its subsidiary corporations.

To join America First Credit Union, individuals can visit one of its branches or apply online. The credit union also offers a Switch Kit to help individuals switch from another financial institution, providing complete, step-by-step instructions and all the forms needed to open new accounts, close old ones, transfer funds, and modify direct deposits or automatic payments.

Access on the Go

America First Credit Union offers several ways for members to access its services on the go:

  1. Mobile app. The America First mobile app is available for both iOS and Android devices and allows members to check their account balances, view transaction history, transfer funds, pay bills, deposit checks, and more. The app also provides access to account alerts and allows members to locate branches and ATMs.

  2. Online banking. America First Credit Union's online banking platform allows members to manage their accounts from their desktop or laptop computers. Members can view account balances and transaction history, transfer funds, pay bills, and more. Online banking also provides access to account alerts and allows members to download eStatements.

  3. Text banking. America First Credit Union's text banking service allows members to check their account balances and transaction history, transfer funds, and receive account alerts via text message.

  4. Telephone banking. Members can also access their accounts by phone through America First Credit Union's telephone banking service. This service allows members to check account balances, transfer funds, and more.

  5. ATMs. America First Credit Union is part of the Access 24, CO-OP Network, and Visa PLUS ATM networks, providing members with access to thousands of ATMs across the country.

With these convenient payment options, America First Credit Union members can easily access their accounts and manage their finances on the go.

America First Credit Union Products

America First Credit Union offers a wide range of financial products and services to meet the needs of its members. Here is an overview of the products and services offered:

  1. Auto loans. America First Credit Union offers vehicle loans for cars, trucks, motorcycles, boats, and RVs. Members can also submit proof of insurance and access NADA guides for vehicle pricing.

  2. Personal loans. Members can choose from a variety of personal loans, including certificate-secured loans, consolidation loans, lines of credit, and share-secured loans. The Credit union promises you can find a low-interest rate product that best suits your needs.

  3. Home equity loans. America First Credit Union offers home equity loans, including home equity lines of credit, investment property loans, and home equity (first mortgage) loans with no closing costs.

  4. Mortgage/home loans. Members can obtain mortgage loans for purchasing a home, as well as construction/lot loans, renovation loans, and mortgage refinancing.

  5. Business loans. America First Credit Union offers business loans for lines of credit, vehicle loans, and equipment/machinery, among other options.

  6. Checking accounts. Members can choose from a checking account from a range of options, including premium checking, classic checking, and money market checking.

  7. Savings accounts. America First Credit Union offers several savings accounts, including share savings, money market savings, health savings accounts, dedicated savings accounts, and youth savings accounts.

  8. Visa credit cards. Members can choose from several Visa credit card options, including Visa Signature, Visa Platinum, Visa Classic, and Secured Visa. Options with no annual or balance-transfer fees are available.

  9. Debit card. The America First Visa debit card is an essential part of your checking account, providing quick, secure, and convenient payment options. With this card, purchases are deducted directly from your account without the need for a revolving line of credit. Additionally, you can customize your debit card using the Picture Perfect® service.

  10. Business services. America First Credit Union offers a range of services for businesses, including online banking, business bill pay, online statements, ACH, merchant services, payroll services, and more.

Members can access calculators to help them estimate loan payments, savings, and fees, and the credit union provides competitive rates for its products and services.

Which Associations does America First Credit Union Belong to?

America First Credit Union is a member of several associations related to the credit union industry, including the National Credit Union Administration (NCUA), which is the independent federal agency that regulates, charters, and supervises federal credit unions. The credit union is also a member of the CO-OP Network, which provides members with access to surcharge-free ATMs and shared branches across the country. Additionally, America First Credit Union is a Utah Credit Union Association member, representing credit unions in Utah and advocating for credit union interests at the state and federal levels.

America First Credit Union Reliability

America First Credit Union is a reliable financial institution committed to providing its members with excellent service and support. Here are some of the ways in which the credit union demonstrates its reliability:

  1. Federally insured. America First Credit Union is federally insured by the National Credit Union Administration (NCUA), which means that its members' deposits are insured up to at least $250,000 per account.

  2. Equal housing lender. America First Credit Union is an equal housing lender, which means that it does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or source of income in its lending practices.

  3. Long-standing history. America First Credit Union has been in business since 1939 and has a long-standing reputation for stability and reliability.

  4. Strong financial position. America First Credit Union is one of the largest credit unions in the United States, with over $17 billion in assets and more than 1.3 million members. The credit union's strong financial position and track record of success are indicators of its reliability.

  5. Commitment to member service. America First Credit Union is committed to providing excellent member service and support and offers a range of resources and tools to help members achieve their financial goals.

  6. Industry affiliations. America First Credit Union is a member of several industry associations, including the NCUA, which demonstrates its commitment to following best practices and maintaining high standards of reliability and integrity.

America First Credit Union

FAQ

Who owns America First Credit Union?

America First Credit Union is a non-profit cooperative financial institution its members own. As a member-owned credit union, America First operates for the benefit of its members and does not have shareholders or owners in the traditional sense. Instead, members have a say in the credit union's operations and elect a board of directors to oversee its affairs. The board is responsible for setting policies and making decisions on behalf of the membership and is accountable to the membership for its actions.

Is America First Credit Union a good credit union?

Yes, America First Credit Union is a good credit union offering its members a range of financial products and services. The credit union has a long-standing history, having been in business since 1939, and is one of the largest credit unions in the United States, with over $17 billion in assets and more than 1.3 million members. Additionally, America First Credit Union is federally insured by the National Credit Union Administration (NCUA), which means that its members' deposits are insured up to at least $250,000 per account.

America First Credit Union has a strong commitment to member service and support and offers a range of resources and tools to help members achieve their financial goals. The credit union is also active in the community and participates in philanthropic activities that benefit organizations working to end homelessness and assist the impoverished.

Overall, America First Credit Union is a reputable and reliable financial institution committed to serving its members' needs and providing them with excellent service and support.

Is America First Credit Union hard to get approved for?

The approval process for financial products and services at America First Credit Union will vary depending on the specific product or service and the individual's creditworthiness and financial situation. While it is difficult to generalize, it is important to note that credit unions like America First are often more willing to work with individuals or companies who have less-than-perfect credit and may be more flexible in their lending requirements compared to traditional banks.

America First Credit Union offers a range of financial products and services, including loans, credit and debit cards, and checking and savings accounts. To apply for a loan or credit card, individuals will need to provide personal and financial information, including credit history, income, and employment status. The credit union will then review the application and assess the individual's creditworthiness and ability to repay the loan or credit card balance.

In general, America First Credit Union strives to provide its members with access to affordable financial products and services and will work with individuals to find solutions that meet their needs. While approval is not guaranteed, individuals are encouraged to apply and speak with a representative to discuss their options and determine the best course of action.

Financial products
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

up to 18%
Term
i

Loan term for the financial product

up to 60 months
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $100,000
Rate
i

Effective interest rate on the product

from 6.99%
Term
i

Loan term for the financial product

up to 60 months
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $1,000,000
Rate
i

Effective interest rate on the product

from 6.625%
Term
i

Loan term for the financial product

up to 30 years
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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1000
100.00 – 20000.00 $
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Effective interest rate on the product

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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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2000.00 – 100000.00 $
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Effective interest rate on the product

6.34 – 35.89 %
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Loan term for the financial product

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Rating by Finanso®
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4.25
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$500-$4,000
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Effective interest rate on the product

up to 160%
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Loan term for the financial product

9-18 months
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
up to $45,000
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Effective interest rate on the product

up to 36%
Term
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Loan term for the financial product

up to 72 months
AUTOPAY
Vehicle Purchase
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$2,500-$100,000
Rate
i

Effective interest rate on the product

from 2.99%
Term
i

Loan term for the financial product

up to 96 months
Auto Approve
Auto Lease Purchase
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$7,500-$150,000
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i

Effective interest rate on the product

from 2.94%
Term
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Loan term for the financial product

up to 72 months
Rocket Mortgage
30-Year Fixed
Rating by Finanso®
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Recommended FinScore™
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300
650
1000
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Effective interest rate on the product

6.00 – 6.28 %
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Loan term for the financial product

5 years – 30 years
Mariner Finance
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $1,500,000
AmeriSave
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $50,000
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Effective interest rate on the product

from 5%
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Loan term for the financial product

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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Effective interest rate on the product

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Loan term for the financial product

up to 30 years
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $50,000
Rate
i

Effective interest rate on the product

from 3%
Term
i

Loan term for the financial product

up to 30 years
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