America First Credit Union Locations & Hours

America First Credit Union operates 116 branches across seven western US states. The branch network spans Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon, with the densest concentration along the Wasatch Front in northern Utah where AFCU was founded in 1939. Members also have access to 30,000+ surcharge-free ATMs through the Allpoint network and 5,600+ CO-OP Shared Branch credit union locations nationwide.

Where AFCU branches are located

The branch footprint reflects AFCU's growth from a single Hill Air Force Base credit union into a regional financial institution. Utah hosts the largest share — roughly 80 of the 116 locations — along the Wasatch Front cities of Salt Lake City, Ogden, Provo, Orem, Layton, Sandy, West Valley City, and Riverdale (the credit union's headquarters). Nevada has a meaningful presence in Las Vegas, Henderson, and Reno. Arizona branches concentrate in Phoenix, Tucson, and Mesa. Idaho, New Mexico, California, and Oregon each have a smaller but growing branch presence in select metro areas.

Branch types include full-service standalone branches, in-store branches inside Smith's grocery stores in Utah, and a handful of high-school student-run branches that AFCU operates as part of its financial education partnership. In-store and student-run branches typically offer the same teller services as a standalone branch but with smaller staff and shorter hours.

How to find the closest AFCU branch

1. Use the official branch locator. The americafirst.com/branches page accepts a ZIP code or city name and returns the closest branches with current hours, services offered, and a map. The locator works on desktop and mobile and is the authoritative source for live hours.
2. Open the AFCU mobile app. The mobile banking app includes a Locations tab that uses your phone's GPS to surface the closest branches and surcharge-free ATMs in a single map view. It is the fastest option while traveling.
3. Call member services. Dial 1-800-999-3961 and a member services agent will look up the closest branch by ZIP and confirm whether the branch you plan to visit offers the specific service you need (notary, safe deposit box, loan officer).
4. Check CO-OP Shared Branches. If you are outside the seven-state footprint, the co-opcreditunions.org locator returns the closest CO-OP Shared Branch where you can transact on your AFCU account as if it were a home branch.
5. Verify hours before visiting. Holiday hours, weather closures, and renovation schedules occasionally affect branch availability. The official locator updates same-day; relying on a stale Google Maps listing is the most common cause of arriving at a closed branch.

What services each branch type offers

Full-service standalone branches handle the broadest set of services: teller transactions, new account opening, loan applications, notary, cashier's checks, money orders, safe deposit boxes (at select branches), wire transfer initiation, IRA contribution and distribution paperwork, and member services in person. Most full-service branches have at least one loan officer on site during weekday business hours and offer drive-through teller windows.

In-store branches inside Smith's grocery stores in Utah offer teller transactions, account opening, debit card replacement, and basic loan application intake. They generally do not have safe deposit boxes, full-time loan officers, or notary on staff every day. Hours match the host store. Student-run high school branches operate during school hours and offer basic deposits, withdrawals, and educational services for participating students.

Branch reference at a glance

Out-of-area members and the CO-OP Shared Branch network

An AFCU member who relocates outside the seven-state footprint does not have to switch banks. CO-OP Shared Branch is a national credit union cooperative that lets members transact on their home credit union account at any participating shared branch. The 5,600+ CO-OP locations include credit unions from every state, so an AFCU member visiting family in Florida, Texas, or New York can deposit a check, withdraw cash, or make a loan payment at the closest participating credit union with no extra fee.

Surcharge-free ATM access works similarly. The Allpoint network has 30,000+ ATMs at retailers like Target, CVS, Costco, and Speedway. AFCU members can withdraw cash at any of these without paying the typical $3-5 ATM surcharge. The mobile app surfaces both Shared Branch and Allpoint locations alongside AFCU branches in the same map view.

Holiday schedules and branch closures

AFCU branches observe the standard Federal Reserve banking holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. On holidays, the branch network is closed, but the 1-800-999-3961 phone line, online banking, mobile app, ATMs, and shared branches operate normally.

Weather closures (snow, flooding) occasionally affect Utah and Idaho branches during winter months. The official branch locator updates closures same-day, and major closures are also posted to the AFCU social channels and the notification bar at the top of americafirst.com. Members can verify a closure by calling 1-800-999-3961 before driving to a branch on a stormy day.

Branch services by category

Overview & Key Features

America First Credit Union locations include 116 branches across seven western states — Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. The network is anchored in Utah's Wasatch Front and extends through major metros of the western US. Members outside the footprint use 30,000+ Allpoint ATMs and 5,600+ CO-OP Shared Branch credit union locations for everyday transactions.

• Branch Count: 116 across 7 states
• States Covered: Utah, Nevada, Arizona, Idaho, New Mexico, California, Oregon
• Largest Concentration: Wasatch Front, Utah (~80 of 116)
• Branch Types: Standalone full-service, in-store grocery, high-school student-run
• Typical Hours: Weekdays 9:00 AM-6:00 PM, Saturdays 9:00 AM-2:00 PM
• ATM Access: 30,000+ surcharge-free Allpoint ATMs nationwide
• Shared Branching: 5,600+ CO-OP credit union locations across all 50 states
• Locator URL: americafirst.com/branches with ZIP or city search

People also ask about AFCU branches

Does AFCU have branches outside the seven western states?

No standalone AFCU branches exist outside Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. Members in other states transact through 5,600+ CO-OP Shared Branch credit union locations and 30,000+ surcharge-free Allpoint ATMs, which support most everyday banking.

Are AFCU branches open on Saturdays?

Most full-service branches open Saturdays from 9:00 AM to 2:00 PM. Hours vary by branch and Saturday staffing is lighter, so complex matters (mortgage applications, business banking) are best handled weekdays. In-store grocery branches usually keep host store Saturday hours.

Can I make a loan payment at any branch?

Yes. Loan payments can be made at any AFCU branch or at any CO-OP Shared Branch nationwide. Members can also pay loans inside online banking, the mobile app, or by phone at 1-800-999-3961 without visiting a branch at all.

Does AFCU offer drive-through banking?

Most full-service standalone branches have drive-through teller windows, especially the Utah Wasatch Front locations. In-store grocery branches inside Smith's typically do not have drive-through service. The branch locator notes drive-through availability per location.