America First Credit Union Routing Number: 324377516

The America First Credit Union routing number is 324377516. This single nine-digit ABA/transit number identifies AFCU to every other bank and credit union in the United States. It is used for ACH transfers, direct deposit setup, incoming domestic wire transfers, and paper check processing across all 116 branches in Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon.

What the routing number is and what it does

A routing number — also called an ABA routing number, transit number, or RTN — is a nine-digit identifier assigned by the American Bankers Association in cooperation with the Federal Reserve. Every chartered bank and credit union in the United States has at least one. The routing number tells a receiving institution which financial institution holds the originating account, so funds are directed correctly when moving through the ACH network or Fedwire.

AFCU's routing number 324377516 was assigned when the credit union was federally chartered. The "324" prefix is the Federal Reserve district code for the 12th district (San Francisco), which covers Utah and the western states where AFCU operates. The full number stays the same regardless of which branch a member uses or which state they live in.

The routing number alone is not enough to receive funds. Every electronic transfer also needs an account number — for AFCU members this is a 12-digit Direct Deposit / Electronic Payment Number that differs from the shorter member number used at the teller window. Both routing number and account number together direct funds to the correct member account.

How to set up direct deposit with AFCU

1. Sign in to online banking. Visit the official portal and authenticate with your member credentials. Online banking is the fastest way to obtain your 12-digit direct deposit number without waiting for a paper check.
2. Open Settings, then Forms. Inside online banking, navigate to the settings menu and choose the Forms section. Look for the Direct Deposit Application option in the list.
3. Choose Switch Direct Deposits. The application walks through identifying your employer, payment source, and the deposit-target account. AFCU partners with most major payroll providers for instant electronic enrollment.
4. Provide routing 324377516 and your 12-digit account number to your employer. If your employer requires a paper form, download it from online banking and submit it with a voided check or printed account confirmation.
5. Allow one to two pay cycles. Employers process direct deposit changes on their next payroll batch — usually one or two pay periods. Until the change goes live, keep checking the existing deposit method.

Routing vs account number — telling them apart

Routing number 324377516 is fixed and shared by every AFCU member. Account numbers are unique per member and per account type — a member with a checking, savings, and money market all has three different account numbers tied to the same routing number. The 12-digit number used for ACH and direct deposit is also different from the shorter 6-9 digit member number that AFCU staff use to look up accounts at the branch.

On a paper check, the routing number is the leftmost group of nine digits printed in MICR ink along the bottom edge. The next group is the account number for that specific check, and the rightmost group is the check sequence number. Members can confirm both numbers by signing into online banking and clicking any account to reveal the Direct Deposit & Electronic Payment Number — useful for households that no longer order paper checks.

Key reference facts at a glance

When to use 324377516 vs another routing number

Use 324377516 anytime money is moving into or out of your AFCU account electronically: setting up payroll direct deposit, paying a bill from your AFCU checking via ACH, receiving a Social Security or IRS refund payment, accepting a domestic wire from another bank, or linking your AFCU account inside a third-party app like Venmo, PayPal, Zelle (when external), or a brokerage.

Do not use 324377516 for international SWIFT wires that originate outside the United States. International senders need to route through an intermediary US correspondent bank that handles the foreign exchange and Fedwire hand-off. AFCU member services at 1-800-999-3961 will provide the correct intermediary bank instructions when a member is expecting an inbound international wire. The intermediary bank's routing instructions replace the standard ACH routing number for that single transaction.

Authority and verification of 324377516

The official routing number for America First Credit Union has been published consistently on the official AFCU services page at americafirst.com/services/other-services/routing-number.html since at least 2010. It is also listed in the Federal Reserve's E-Payments Routing Directory, the authoritative federal database maintained for member institutions. Members can independently verify the number by checking the bottom of any AFCU paper check, signing into online banking, or calling member services for confirmation before sending a large transfer.

Routing reference card — visual check breakdown

When do you need the AFCU routing number?

The routing number 324377516 is required whenever an external party needs to send money to your AFCU account or pull money from it. Common use cases include setting up payroll direct deposit, sending wire transfers to your AFCU account, ACH bill payments where AFCU is the funding source, and ordering new checks. The routing number plus your individual account number together uniquely identify your account.

Overview & Key Features

America First Credit Union routing number 324377516 is the ABA/transit identifier for the 6th largest US credit union, with $23.3 billion in member assets and 1.5 million members. The same nine-digit routing number works for every type of electronic transfer at every one of AFCU's 116 branches, regardless of which state the member lives in or which branch their account was opened at.

• Routing Number: 324377516 (single ABA for the entire credit union)
• Use Cases: ACH transfers, direct deposit, incoming domestic wires
• Issued By: American Bankers Association via Federal Reserve
• Federal Reserve District: 12th (San Francisco) — "324" prefix
• Account Number Format: 12-digit Direct Deposit / Electronic Payment Number, separate from member number
• Where to Find: Bottom of any AFCU check, or online banking under each account row
• International Wires: Require intermediary US correspondent bank (call 1-800-999-3961 for instructions)
• Verification Source: Federal Reserve E-Payments Routing Directory and americafirst.com

People also ask about the AFCU routing number

Is the AFCU routing number the same for Utah and Nevada?

Yes. The routing number 324377516 is used by every AFCU member regardless of which state they live in or which branch their account was opened at. AFCU operates as a single credit union with one routing number rather than a regional bank network with multiple state-specific routing numbers.

What if I entered the wrong routing number on a transfer?

If a transfer was sent with an incorrect routing number, contact AFCU member services at 1-800-999-3961 right away. The originating bank can usually issue a reversal within the first few business days, but the funds may have already credited the wrong institution and require a manual recall.

Does AFCU have a different routing number for wires versus ACH?

No. AFCU uses the same routing number 324377516 for domestic ACH transfers, direct deposit, and incoming domestic wires. International wires require additional SWIFT intermediary instructions but the AFCU routing number still appears on the final hand-off.

Is the routing number safe to share?

The routing number 324377516 is public information published by AFCU and the Federal Reserve. Sharing it alone is harmless. However, sharing it together with your account number plus a signed authorization can enable an ACH debit from your account, so treat the pair as you would credit card credentials.