The numbers members need most
Three identifiers cover almost every banking task at AFCU — the routing number for ACH and direct deposit, the member services phone line for live help, and the NCUA insurance ceiling that protects deposits.
Routing Number
324377516
ACH, direct deposit, and wires
Member Phone
1-800-999-3961
24/7 member support
Insurance
NCUA $250K
federal insurance per depositor
Membership and eligibility
AFCU was originally chartered in 1939 to serve 59 civilian employees of the Hill Field military base (now Hill Air Force Base) in Utah. The field of membership has expanded substantially over eight decades. Today eligibility extends to residents of qualifying counties in Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. Immediate family members of existing members qualify regardless of location, and employees of partner organizations (Select Employer Groups) can join through their employer relationship. Membership requires a one-time $1 deposit into a primary savings share account, which establishes the member's ownership stake in the cooperative.
Products at a glance
The product line covers everyday checking through long-horizon savings and lending. Checking options range from no-minimum free checking to interest-bearing tiered accounts. Savings includes a primary share account, money market accounts, and share certificates (the credit union equivalent of bank CDs) from short-term promotional rates through 60-month ladders. Lending spans new and used vehicles, motorcycles, RVs and boats, first-lien mortgages, refinance, HELOCs, and unsecured personal lines. Visa credit cards include Cash Rewards, Platinum, and Visa Signature variants. Business members access commercial checking, SBA-backed lending, and merchant services.
Overview & Key Features
America First Credit Union is the 6th largest US credit union with $23.3 billion in assets, 1.5 million members, and 116 branches across seven states. Founded in 1939 by 59 Hill Field civilian employees, AFCU has grown into the largest credit union in Utah and one of the largest cooperatives nationwide, federally chartered and NCUA-insured up to $250,000 per depositor.
- Membership: Open to eligible Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon residents
- Routing Number: 324377516 for ACH, direct deposit, and wire transfers
- NCUA Insured: Federally insured up to $250,000 per depositor
- Mobile Banking: iOS and Android apps with mobile check deposit, Zelle, biometric sign-in
- Online Banking: 24/7 access at americafirst.com or secure.americafirst.com
- ATM Network: 30,000+ surcharge-free CO-OP and Allpoint ATMs nationwide
- Phone Support: 1-800-999-3961 — staffed for member services
- Headquarters: Riverdale, Utah — founded 1939 by Hill Field employees
Lending products and rates
Auto lending is AFCU's most active consumer category by application volume, with combined new- and used-vehicle programs spanning sedans, trucks, SUVs, motorcycles, RVs, and boats. The credit union publishes loan rates by collateral age and term, with the sharpest rates reserved for newer model years on shorter terms. Home financing through AFCU covers conventional purchase mortgages, refinance, FHA and VA government-backed programs in some markets, and home equity lines of credit. HELOC pricing carries variable rates indexed to a margin over Prime, with introductory promotional pricing periodically offered to qualifying members.
Visa credit cards and rewards
AFCU issues Visa credit cards in three primary tiers. The Cash Rewards card returns a flat percentage on all purchases with no annual fee. The Platinum card targets balance-transfer customers with low ongoing APR and minimal fees. The Visa Signature line carries higher rewards, travel benefits, and an increased credit ceiling for qualifying applicants. All AFCU credit cards include zero-liability fraud protection, EMV chip security, contactless tap-to-pay, and integration with Apple Pay, Google Pay, and Samsung Pay.
People also ask about America First Credit Union
Is America First Credit Union FDIC insured?
America First Credit Union is federally insured by the National Credit Union Administration (NCUA) for up to $250,000 per depositor per ownership category. NCUA insurance is the credit union equivalent of FDIC bank insurance with identical backing by the US federal government — the two programs differ only in name and the regulator that runs them.
What is the routing number for America First Credit Union?
The routing number for America First Credit Union is 324377516. This single ABA routing number is used for ACH transfers, direct deposit setup, and wire transfers across all 116 branches and every state AFCU serves. Members do not need a state-specific or branch-specific routing number.
How do I become a member of America First Credit Union?
Membership is open to residents of qualifying counties in Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon, plus immediate family members of existing members and employees of partner Select Employer Groups. The one-time $1 share deposit into a primary savings account establishes membership.
Is America First Credit Union the same as American First Credit Union?
No. America First Credit Union (AFCU) is headquartered in Riverdale, Utah and operates 116 branches in seven western states. American First Credit Union is a separate California-based credit union operating under amerfirst.org. The two are unrelated despite the similar name.
What states does America First Credit Union serve?
AFCU serves seven western states with branch operations: Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. Members traveling outside the branch footprint can use 30,000+ surcharge-free CO-OP and Allpoint ATMs and access the CO-OP Shared Branch network at participating credit unions nationwide.