America First Credit Union (AFCU) is a member-owned, federally insured credit union headquartered in Riverdale, Utah. Chartered in 1939 to serve military families at Fort Douglas, AFCU has grown to 1.5 million members, $23.3 billion in assets, and 116 branches across seven western states, ranking as the 6th largest credit union in the United States and the largest in Utah.
What AFCU offers members today
AFCU provides the full range of consumer banking products a regional credit union typically offers: free checking and rewards checking accounts, regular and money-market savings, certificates (CDs) including a bump-rate option, Visa credit cards, auto loans, mortgages, home equity lines of credit (HELOC), personal loans, and business banking. Online banking is hosted at secure.americafirst.com, with iOS and Android mobile apps offering biometric sign-in, mobile check deposit, Zelle peer-to-peer transfers, and Card Guard controls. The credit union routes ACH transactions and direct deposits through routing number 324377516. Member services are reachable around the clock at 1-800-999-3961.
How to become an AFCU member in three steps
- Confirm eligibility. Membership is open to anyone who lives, works, worships, or attends school in Utah, Nevada, Arizona, Idaho, New Mexico, California, or Oregon, plus family members of existing AFCU members and employees of partner organizations.
- Open a primary share savings account. A small initial deposit (typically one dollar) establishes your membership share. This account stays open as long as you remain a member and is the gateway to every other AFCU product.
- Add the products you need. Once your savings account is active, you can add free checking, apply for a Visa, open a certificate, request an auto loan, or enroll in online banking — all through the member portal or any of the 116 branches.
Why members choose AFCU over a traditional bank
Credit unions return profits to members rather than shareholders, which typically translates into lower loan rates, higher savings yields, and reduced fees compared with similarly sized for-profit banks. AFCU emphasizes that structural difference in member communications: every borrower is also an owner, and the board of directors is elected by the membership. Practical advantages include no monthly maintenance fee on Free Checking, 30,000+ surcharge-free ATMs through the CO-OP and Allpoint networks, and member-only certificate specials such as the periodic Bump CD that lets the holder reset to a higher rate once during the term if rates rise.
