Contact America First Credit Union

The America First Credit Union member services phone number is 1-800-999-3961, the primary contact channel for account questions, lost-card reports, online banking unlock, lending inquiries, and general member support. Members can also reach AFCU through secure messaging inside online banking, branch visits at any of 116 locations across seven western states, written correspondence to the Riverdale, Utah headquarters, and the AFCU iOS and Android apps.

Phone — the fastest channel for most issues

The member services line at 1-800-999-3961 handles routine account questions, lost or stolen card reports, online banking account unlocks, lending applications, fraud alerts, and general questions about products and rates. Live representatives are staffed during posted business hours with extended evening and weekend coverage for time-sensitive issues. Outside live hours, an automated voice menu handles balance inquiries, recent transaction history, card activation, and basic transfers between AFCU accounts.

For lost or stolen debit and credit cards, call the same number any time of day — card cancellations are handled 24/7 because the speed of cancellation is the primary defense against fraudulent charges. After hours, an after-hours card services queue routes directly to the card processor without waiting for member services. International callers traveling outside the United States can reach AFCU through the international collect line published on the back of every AFCU debit and credit card.

1. For routine account questionsCall 1-800-999-3961 during posted member services hours. Have your member number and identifying information ready to speed verification.
2. For lost or stolen cardsCall 1-800-999-3961 immediately — card cancellation is handled around the clock. After cancellation, AFCU mails a replacement card to the address on file within 7-10 business days.
3. For account unlocksCall member services with a government-issued photo ID handy. Phone verification typically resolves a lockout in a single call without requiring a branch visit.
4. For lending applicationsAuto loans, mortgages, HELOCs, and credit cards can be initiated by phone. The representative will collect basic information and route the application to the appropriate lending team.
5. For fraud reportingCall 1-800-999-3961 the moment you spot an unauthorized transaction. AFCU will freeze the affected card or account, open a dispute, and issue provisional credit while the investigation runs.

Branch network and how to find one near you

AFCU operates 116 branches across Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. The branch locator on americafirst.com or in the mobile app returns the closest branches by ZIP code or current location, with the address, phone, drive-through availability, lobby hours, and ATM access details for each. Members can also visit any CO-OP Shared Branch nationwide for deposits, withdrawals, transfers, and loan payments — the network covers more than 5,000 credit union branches outside AFCU's own footprint.

Branch lobby hours vary by location. Most Utah branches open 9 a.m. weekdays and close mid-to-late afternoon, with drive-through windows running longer hours. Nevada and Arizona branches follow similar patterns adjusted for local norms. Saturday hours are common at branches in higher-traffic markets. Always confirm hours through the locator before visiting on a holiday or weekend.

Secure messaging through online banking

Members signed in to online banking or the mobile app can send secure messages directly to AFCU staff. Secure messaging is the safest channel for sharing account-specific questions because the conversation travels inside the authenticated banking session rather than over open email, which can be intercepted or spoofed. Use secure messaging for written follow-ups, document attachments, dispute correspondence, or any question where you would prefer a written record.

Response time on secure messages typically runs one business day for routine inquiries, faster for flagged-urgent items. The thread persists inside online banking for future reference, and members receive an email alert when AFCU staff respond — but the response itself stays inside the secure portal, where the member must sign in to read it.

Overview & Key Features

America First Credit Union member contact channels include phone, branch, secure messaging, mobile app, and mailing address. The primary phone number is 1-800-999-3961, with live member services during business hours and 24/7 automated and card-cancellation coverage. The branch network spans 116 locations across seven western states, supplemented by the CO-OP Shared Branch network of 5,000+ participating credit unions nationwide.

• Member Phone: 1-800-999-3961 for account questions, card cancel, unlocks, lending
• Card Cancel: 24/7 hotline routes after-hours through the card processor
• Branches: 116 locations across UT, NV, AZ, ID, NM, CA, OR
• Shared Branching: 5,000+ CO-OP partner credit unions nationwide for deposits and transfers
• ATM Network: 30,000+ surcharge-free CO-OP and Allpoint ATMs across the US
• Secure Messaging: Available inside online banking and the iOS and Android apps
• Headquarters: 1344 W 4675 S, Riverdale, Utah 84405
• Mailing: Written correspondence to the Riverdale HQ address

Mailing address and written correspondence

For written correspondence, the AFCU headquarters address is 1344 W 4675 S, Riverdale, UT 84405. Use this address for member service letters, formal complaints, dispute documentation, account closure requests in writing, or any correspondence where a postal record is required. Include the member number and a daytime phone number in every letter to speed routing and follow-up.

For loan payments by mail, AFCU publishes a separate payment processing address on the loan statement — do not send payments to the headquarters address. Mailed payments take additional days to post and can incur late fees if they arrive after the due date; for payment posting on the same day, use online banking, the mobile app, or the automated phone option.

People also ask about contacting AFCU

What is the AFCU phone number?

The America First Credit Union member services phone number is 1-800-999-3961. The line is staffed by live representatives during posted business hours for routine account questions, lost cards, online banking unlocks, and lending help, with automated options available 24/7.

What hours is AFCU member services available?

Live member services answer 1-800-999-3961 during posted business hours with extended evening and weekend coverage. Automated voice options for balance inquiries, recent transactions, and card activation are available 24/7. Card cancellation for lost or stolen cards is also handled around the clock.

How do I find an AFCU branch near me?

Use the branch locator on americafirst.com or the AFCU mobile app, which return the closest of 116 branches by ZIP code or current location, with address, phone, drive-through availability, and lobby hours for each. Members can also use any of 5,000+ CO-OP Shared Branches nationwide.

Can I message AFCU through online banking?

Yes. Signed-in members can send secure messages through online banking and the mobile app. Secure messaging is the safest channel for sharing account-specific questions because the conversation travels inside the authenticated session rather than over open email.

How do I contact AFCU while traveling internationally?

The back of every AFCU debit and credit card lists an international collect-call number that reaches member services from outside the United States. Use this number for lost or stolen card reports, foreign-transaction questions, or account access issues while traveling abroad.