America First Credit Union Routing Number: 324377516

America First Credit Union (AFCU) routing number is 324377516. This single ABA routing number identifies AFCU on the Federal Reserve’s payment network and is used for ACH transfers, direct deposit enrollment, and wire transfers. It applies to every AFCU member account across all 116 branches in Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon, regardless of which branch you opened your account at.

Why one routing number covers every AFCU branch

Banks with regional charters often issue different routing numbers for different states or processing centers. AFCU does not. As a federally chartered credit union headquartered in Riverdale, Utah, AFCU operates under a single routing identifier on the ACH network. Whether you became a member at the South Jordan branch in 2014 or opened an account at the Mesa, Arizona location last week, the same 9-digit code — 324377516 — is what other institutions use to route money in or out of your account.

That consistency matters when employers, billers, or other banks ask for your routing number. There is no “wire-only” or “international” routing variant for AFCU; the same number applies for every domestic payment type. International wires require an intermediary bank with a SWIFT/BIC code, which AFCU members can request through online banking or by calling 1-800-999-3961.

How to find the routing number on your check

The routing number is printed in MICR (magnetic ink character recognition) font along the bottom edge of every paper check issued to an AFCU member. Reading the bottom line from left to right, you will see three groups of digits separated by special routing symbols. The first group is always the 9-digit routing number. The middle group is your individual account number. The last group is the check number.

If you no longer have paper checks, the same number is available inside online banking at americafirst.com after sign-in, in the AFCU mobile app under account details, and printed on every monthly statement. Many members also keep it stored in their employer’s direct deposit form or in a notes app for quick reference.

Setting up direct deposit at AFCU

1. Get the routing number and account numberUse routing number 324377516 plus your specific AFCU account number, which appears on a check or inside online banking under account details.
2. Give both numbers to your employer or payerMost employers use an electronic enrollment portal; some require a voided check or an official direct deposit form. AFCU offers a downloadable form for employers who request one.
3. Specify checking or savingsDirect deposit can land in either a checking or a savings account — the routing number is the same, but the account number determines which type of account receives the funds.
4. Wait one to two pay cyclesMost employers test direct deposit with a small “pre-note” transaction before sending the first paycheck. Allow one full pay cycle (typically two weeks) for the deposit to begin.
5. Confirm in online bankingOnce the first deposit arrives, you can verify in online banking that funds posted correctly. Federal law (Reg E) requires that funds be available no later than the business day after deposit.

Using the routing number for wire transfers

For domestic wire transfers, the sending institution will request AFCU’s routing number (324377516) along with the recipient’s account number and full legal name on the account. Domestic wires sent during business hours typically arrive the same business day. AFCU does not charge incoming wire fees for member accounts, though the sending bank may charge an outgoing wire fee.

For international wires, an intermediary bank is required because AFCU does not maintain direct correspondent relationships with foreign banks. Members sending or receiving international funds should call 1-800-999-3961 to receive the correct intermediary bank name, address, and SWIFT/BIC code before the wire is initiated. Providing 324377516 alone is not sufficient for international funds to reach an AFCU account.

Routing number vs. account number — the difference

These two numbers are often confused but serve distinct purposes. The routing number identifies the financial institution itself; the account number identifies your specific account at that institution. Every AFCU member uses the same routing number, 324377516. Account numbers are unique to each member and are between 6 and 12 digits long, typically printed in the second group on the bottom of a check.

For ACH transfers and direct deposit, both numbers are required. The routing number tells the ACH network where to send the funds (AFCU); the account number tells AFCU which member account to credit. Sharing the routing number alone poses no risk — it is published in the FedACH database and on every check — but the account number should be guarded the way you would guard any sensitive financial detail.

Common uses for the AFCU routing number

Members typically need 324377516 in five situations: setting up direct deposit of a paycheck, government benefit, or pension; enrolling in automatic bill pay through a utility or lender; sending or receiving a wire transfer; linking AFCU to an external account on a service like Venmo, PayPal, or another bank’s ACH transfer system; and ordering new checks. In every case, the routing number is one half of the identifier — the other half is the individual account number.

For peer-to-peer payments through Zelle, members do not need to share the routing number; Zelle works by email address or phone number once the AFCU mobile app is set up. The routing number is still required for ACH transfers initiated outside the Zelle network, such as sending money to a friend’s account at a different bank.

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. Its single ABA routing number, 324377516, is used for every electronic transaction type — ACH, direct deposit, and domestic wire transfers — eliminating the confusion that comes with banks that issue regional routing variants.

• Routing Number: 324377516 — same for ACH, direct deposit, and domestic wires
• NCUA Insured: Federally insured up to $250,000 per depositor per ownership category
• Wire Transfers: Domestic wires use 324377516; international wires require intermediary bank info
• Direct Deposit: Funds typically available same business day after employer initiates
• Account Number Location: Middle 6-12 digit group on the bottom of any AFCU check
• Mobile Banking: Routing and account numbers visible in iOS and Android app account details
• Phone Support: 1-800-999-3961 for help with direct deposit enrollment or wire transfers
• Headquarters: Riverdale, Utah — founded 1939 by Hill Field civilian employees

People also ask about the AFCU routing number

Is the routing number 324377516 used by every AFCU branch?

Yes. America First Credit Union uses one routing number — 324377516 — for every member account across all 116 branches in Utah, Nevada, Arizona, Idaho, New Mexico, California, and Oregon. AFCU does not issue different routing numbers by state, branch, or account type.

What routing number does AFCU use for wire transfers?

AFCU uses 324377516 for both incoming and outgoing domestic wire transfers. There is no separate wire-only routing number. International wires require an intermediary bank with a SWIFT/BIC code; members should call 1-800-999-3961 to receive the correct intermediary bank details before initiating an international wire.

Where do I find my AFCU account number?

Your AFCU account number is printed on the bottom of any check, in the middle group of digits between the routing number (324377516) and the check number. It is also available inside online banking at americafirst.com, in the mobile app under account details, and on every monthly statement.

Is it safe to share my AFCU routing number?

Yes. Routing numbers are public information — they are listed in the FedACH database and printed on every check. Sharing 324377516 with an employer for direct deposit or with a biller for automatic payments carries no risk on its own. The account number, on the other hand, should be shared only with trusted parties for legitimate purposes.

Is the AFCU routing number the same as American First Credit Union’s?

No. America First Credit Union (AFCU, headquartered in Riverdale, Utah) and American First Credit Union (a separate California-based credit union) are different institutions with different routing numbers. AFCU’s routing number is 324377516. If you are unsure which credit union holds your account, check your last statement or the back of your debit card for the institution name.