America First Credit Union Locations & Hours

America First Credit Union operates 116 branches across seven western states. AFCU’s footprint covers Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon, with the largest concentration in Utah where the credit union is headquartered. Members also have surcharge-free access to more than 30,000 ATMs nationwide through the CO-OP and Allpoint networks, extending the practical reach of the branch network across all 50 states.

The AFCU branch footprint

AFCU’s 116 branches are distributed unevenly across its seven-state service area, reflecting the credit union’s history as a Utah institution that has expanded outward over the past two decades. The dense core remains the Wasatch Front — the metro corridor running from Ogden through Salt Lake City to Provo — where AFCU operates more branches than any other credit union. Nevada (greater Las Vegas) and Arizona (Phoenix, Tucson) are the second and third largest concentrations, followed by smaller groupings in Idaho, New Mexico, California, and Oregon.

The branch locator at americafirst.com lets members enter a ZIP code or city to see nearby branches with addresses, hours, and a phone number. Branches are also searchable by service type for members who need a specific function such as drive-through, safe deposit boxes, or notary service.

Branch hours — what to expect

Most AFCU branches follow a similar weekday schedule with shorter Saturday hours. Typical weekday hours are 9 a.m. to 6 p.m. local time, with Saturday hours of 9 a.m. to 2 p.m. Many branches remain closed on Sunday, following the cadence of the AFCU phone center which is also closed Sunday. Drive-through hours often extend slightly past lobby hours at branches that have a drive-through.

Branch hours vary by location and may differ at branches inside grocery stores or shared office complexes. Always confirm the specific branch’s hours through the AFCU branch locator before visiting, especially for non-routine visits such as notarization or safe deposit access. The corporate holiday schedule (Thanksgiving, Christmas, New Year’s, Independence Day, Memorial Day, Labor Day, MLK Day, Presidents’ Day) closes every branch.

State-by-state branch distribution

1. UtahThe largest concentration by far. AFCU is the largest credit union in Utah and operates branches throughout the Salt Lake City, Provo, Ogden, and St. George metro areas, plus smaller towns along the Wasatch Front and central Utah.
2. NevadaBranches concentrated in the Las Vegas valley, including Henderson, North Las Vegas, and Summerlin. AFCU expanded into Nevada to serve members relocating from Utah and to meet demand in a market that was historically underserved by member-owned credit unions.
3. ArizonaBranches in the Phoenix metro (including Mesa, Chandler, Gilbert, and Scottsdale) and Tucson. Arizona is AFCU’s second largest growth market, with new branches added through the 2020s.
4. IdahoBranches in the Treasure Valley (Boise, Meridian, Nampa, Caldwell) and a smaller presence in eastern Idaho. AFCU’s Idaho expansion mirrors the same population growth pattern driving demand in Utah.
5. New Mexico, California, and OregonThe smallest concentrations, with branches placed in specific metropolitan areas where demand justifies physical presence. ATM and digital channel coverage compensates in markets without a nearby branch.

ATM network — CO-OP and Allpoint access

AFCU’s 116 branches are the visible part of a much larger access network. Members get fee-free ATM withdrawals at more than 30,000 ATMs nationwide through two shared networks: CO-OP (the largest credit union ATM cooperative in the US) and Allpoint (a retail-location ATM network found inside CVS, Target, Walgreens, Speedway, and other major chains). Combined, this means AFCU members can find a surcharge-free ATM almost anywhere in the country without needing to visit a branch.

To find a participating ATM, members can use the locator inside the AFCU mobile app, which shows both AFCU branch ATMs and nearby network ATMs on a map. AFCU debit cards work the same at network ATMs as at AFCU’s own ATMs; no separate fee is charged for using a CO-OP or Allpoint machine.

Services available in-branch

Most AFCU branches offer the full range of in-person banking: deposits and withdrawals, check cashing, loan applications, account opening, debit and credit card servicing, money orders and cashier’s checks, notary service, and consultations with loan officers and account specialists. Larger branches also offer safe deposit boxes, mortgage origination, and in-person investment services through AFCU Investment Services.

Smaller branches and some shared-location branches may have a reduced service set. Members planning to use a specific service (notarization, mortgage application, safe deposit access) should confirm availability with the specific branch before visiting. The AFCU branch locator lists service offerings per location alongside the address and hours.

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. The branch network is anchored in Utah where AFCU is the state’s largest credit union, and extended through ATM partnerships that give members fee-free access to 30,000+ machines nationwide.

• Branch Count: 116 physical branches across 7 states
• States Served: Utah, Nevada, Arizona, Idaho, New Mexico, California, Oregon
• Headquarters: 1344 W 4675 S, Riverdale, UT 84405 — founded 1939
• ATM Access: 30,000+ surcharge-free through CO-OP and Allpoint networks
• Branch Locator: ZIP/city search at americafirst.com with hours and services per location
• Typical Hours: Weekdays 9 a.m.–6 p.m., Saturday 9 a.m.–2 p.m., closed Sunday
• Holiday Closures: All branches closed on US federal holidays
• Mobile Alternative: 24/7 account access via the AFCU mobile app and online banking

People also ask about AFCU locations

How do I find the closest AFCU branch to me?

Use the branch locator at americafirst.com or inside the AFCU mobile app. Entering a ZIP code or current location returns nearby branches with addresses, hours, services available, and a phone number. The locator also shows surcharge-free CO-OP and Allpoint ATMs in the same map view.

What are AFCU branch hours on Saturday?

Most AFCU branches are open Saturday from 9 a.m. to 2 p.m. local time. Some branches inside grocery stores or shared office complexes may have different Saturday hours. Confirm the specific branch’s schedule through the branch locator before visiting.

Are AFCU branches open on Sunday?

No. AFCU branches are closed on Sunday across all 116 locations, matching the schedule of the credit union’s phone center. Account access remains available through the mobile app, online banking, and ATMs.

Can I use my AFCU debit card at any ATM without a fee?

You can use it without an AFCU fee at any AFCU branch ATM, any CO-OP network ATM, or any Allpoint network ATM — about 30,000 machines nationwide. ATMs outside these networks may charge a fee from the ATM owner, which AFCU does not refund unless your account package includes ATM rebates.

Does AFCU plan to expand to more states?

AFCU has historically expanded into adjacent western states (Nevada, Arizona, Idaho) where membership demand justified new branches. The credit union has not announced specific plans to enter additional states; current public statements focus on growing within the existing seven-state footprint.