Also known as: America First CU; AFCU
America First Credit Union is a federally chartered credit union headquartered in Riverdale, Utah. It is one of the larger credit unions in the United States and has been serving its community since 1939. The credit union was originally established for employees of certain federal agencies and has since expanded its membership to include residents of qualifying areas in Utah and Nevada.
America First is a member-owned, not-for-profit financial cooperative insured by the National Credit Union Administration up to $250,000 per depositor. Like other credit unions, it does not have outside shareholders, and any surplus from operations is directed toward competitive rates and services for members.
Membership is open to individuals who live, work, worship, or attend school in qualifying counties in Utah and Nevada. The credit union serves communities primarily in the Wasatch Front region of Utah, including Salt Lake City, Ogden, and Provo, as well as the Las Vegas and surrounding areas in Nevada. Immediate family members of existing members can also join.
America First commonly offers savings and checking accounts, auto loans, mortgages, personal loans, credit cards, and student loans. Its auto loan products are frequently cited as a competitive option in the Utah and Nevada markets. Its mortgage products cover purchase, refinance, and home equity. The credit union also offers credit cards, including cashback options.
America First operates a large network of branches across Utah and Nevada, making it well suited for in-person banking. It also provides full online and mobile banking services.
Utah and Nevada residents who live or work in qualifying counties should check whether they are eligible for membership and compare America First's products with other available options before applying.
Quick info
Credit Union
America First CU; AFCU
Not verified
NCUA-insured.
2026-06-06
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Savings; checking; auto loans; mortgages; personal loans; credit cards; student loans
Additional notes
Membership open to individuals living or working in qualifying Utah and Nevada counties.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Source URLs
Date checked
2026-06-06
How do I make a complaint about America First Credit Union?
Start with America First Credit Union's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is America First Credit Union regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find America First Credit Union's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think America First Credit Union has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a America First Credit Union issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
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