Contact America First Credit Union

America First Credit Union's main member services line is 1-800-999-3961, staffed 24 hours a day, 7 days a week. AFCU also offers secure in-portal messaging for signed-in members, in-app chat through the AFCU mobile app, and in-person help at any of the 116 branches across Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. The corporate headquarters is in Riverdale, Utah at 1344 W 4675 S.

How to reach AFCU member services

The fastest path to AFCU support depends on the question. For account, card, sign-in, or loan questions where speed matters, call 1-800-999-3961 — this line is staffed 24/7 and routes to a human agent after a short menu. For non-urgent questions where written documentation helps, sign in to the member portal at secure.americafirst.com and use the secure messaging feature: AFCU has your identity verified, so you can ask account-specific questions without phone authentication. The AFCU mobile app on iOS and Android offers the same in-app messaging, plus instant card freeze through Card Guard. For an in-person conversation, the branch locator on americafirst.com shows the 116 physical branches with hours, address, and a map link.

When to call versus message versus visit

1. Call 1-800-999-3961 first for time-sensitive items: lost or stolen card, suspected fraud, account lockout, urgent wire transfer questions. The phone line is staffed 24/7.
2. Secure message inside the portal for account-specific questions where you want a written record: dispute documentation, loan payoff requests, beneficiary updates, statement reprints.
3. Visit a branch for anything requiring photo ID or notarization: opening certain account types, signing loan paperwork, certified check requests, in-person identity verification.
4. Use the mobile app Card Guard for instant card freeze and unfreeze — no phone call needed for routine "I misplaced my card" situations.

Branch network and hours

AFCU operates 116 physical branches across seven states. Most branches are open Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM, with variation by location. Some branches inside grocery stores or shopping centers keep extended hours, while standalone branches in smaller markets may close earlier. The branch locator on americafirst.com lets members search by ZIP code or city name and returns address, phone, hours, drive-up availability, and ATM access for each location. AFCU branches close on federal holidays (New Year's Day, MLK Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas), though the 24/7 phone line and online banking remain available.

Quick-reference contact facts

Specialized AFCU phone lines

Beyond the main 1-800-999-3961 line, AFCU operates specialized phone queues for certain services. The mortgage department, credit card services, and the business banking team each have dedicated numbers reachable through the main menu or listed on the contact section of americafirst.com. For wire transfers and ACH-specific questions, the routing number is 324377516 and the wire department processes domestic and international wires Monday through Friday during banking hours. Card disputes and suspected fraud should go through the main line for fastest agent routing; the AFCU mobile app also lets members flag a transaction as unrecognized directly from the transactions list, which opens an automatic dispute ticket without a phone call.

Mailing address and corporate contact

The AFCU corporate headquarters address is 1344 W 4675 S, Riverdale, Utah. General correspondence, payoff payments by mail, and formal disputes should be sent to that address; specific products may use a different mailing address listed inside the member portal or on the official statement. For mailed payments, members are encouraged to confirm the correct payment address inside online banking before sending, since loan and credit card payments can use distinct PO boxes for faster processing.

Reach the right AFCU team

Overview & Key Features

AFCU member support centers on a 24/7 phone line at 1-800-999-3961, plus secure in-portal messaging at secure.americafirst.com, in-app messaging through the AFCU mobile app, and in-person help at 116 physical branches across Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. The corporate headquarters is in Riverdale, Utah. Specialized phone queues exist for mortgage, credit card, and business banking inquiries.

• Main Phone: 1-800-999-3961 staffed 24 hours a day, 7 days a week
• Headquarters: 1344 W 4675 S, Riverdale, Utah
• Branch Network: 116 physical branches across UT, NV, AZ, ID, NM, CA, OR
• Secure Messaging: Inside secure.americafirst.com portal for signed-in members
• Mobile App Chat: AFCU app on iOS and Android with in-app messaging
• Card Guard: Instant card freeze inside the mobile app, no phone call needed
• Branch Hours: Typically Mon–Fri 9 AM–6 PM, Sat 9 AM–2 PM (varies by location)
• Holiday Closures: Branches close federal holidays; phone and online banking remain available

People also ask about contacting AFCU

What is the AFCU phone number?

The AFCU member services phone number is 1-800-999-3961, staffed 24 hours a day, 7 days a week for account, card, sign-in, and loan support.

What are AFCU branch hours?

Most AFCU branches are open Monday through Friday 9 AM to 6 PM and Saturday 9 AM to 2 PM, with hours varying by location. The branch locator on americafirst.com shows specific hours for each of the 116 branches.

Can I message AFCU through the mobile app?

Yes. The AFCU mobile app includes a secure in-app messaging feature for member-specific account questions where identity is already verified. The same messaging is available in the web portal at secure.americafirst.com.

How do I report a lost or stolen AFCU card?

Call 1-800-999-3961 immediately to report a lost or stolen card, or use Card Guard in the AFCU mobile app to freeze the card instantly without a phone call. AFCU then mails a replacement at no charge.