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HOLIDAY CLOSURE

In observance of Labor Day, America First offices will be closed on Monday,
September 2. Mobile & online banking, our ATMs, and SpeechAccess™ will be
available for your convenience. Please see our holiday schedule for a complete
list of our closure dates.

HOLIDAY HOURS
“

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Check for official website URL before entering your password or information.

Don’t respond to suspicious texts, emails or calls.

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Holiday Closure

LEARN MORE
 * Find My Routing Number
 * Financial Education
 * MEMBER LOGIN


close
 * Find My Routing Number
 * Financial Education
 * MEMBER LOGIN


 * Loans
   
   
   LOANS
   
   
   APPLY NOW
   
   
   VEHICLE LOANS
   
   Auto RV Powersports Motorcycle ATV & Four Wheeler Boat & Watercraft
   Side-by-Side & UTV Snowmobile Repossession Sales Turo
   
   PERSONAL LOANS
   
   Certificate Secured Consolidation Line of Credit Personal Share Secured
   
   HOME EQUITY LOANS
   
   Home Equity Home Equity Line of Credit Investment Property Home Equity (First
   Mortgage) – No Closing Cost
   
   MORTGAGE LOANS
   
   Home Mortgage Construction & Lot Renovation First Time Homebuyer's Guide
   Mortgage Refinance Reverse Mortgages Mortgage Resources Purchase Specialists
   
   LOAN RATES
   
   Auto Rates RV Rates Motorcycle Rates Boat Rates Off-Road Rates Home Equity
   Rates Home Equity Line of Credit Rates No Closing Cost First Mortgage Rates
   Mortgage Rates Construction & Lot Rates Personal Rates
   
   CALCULATORS
   
   Auto Calculators Mortgage Calculators Credit Calculators
   Auto
   RV
   Powersports
   Motorcycle
   Certificate Secured
   Consolidation
   Line of Credit
   Personal
   Home Equity
   Home Equity Line of Credit
   Investment Property
   Home Equity (First Mortgage) – No Closing Cost
   Home Mortgage
   Construction & Lot
   Renovation
   First Time Homebuyer's Guide
   Auto Rates
   RV Rates
   Motorcycle Rates
   Boat Rates
   Auto Calculators
   Mortgage Calculators
   Credit Calculators
   ATV & Four Wheeler
   Boat & Watercraft
   Side-by-Side & UTV
   Snowmobile
   Share Secured
   Mortgage Refinance
   Reverse Mortgages
   Mortgage Resources
   Purchase Specialists
   Off-Road Rates
   Home Equity Rates
   Home Equity Line of Credit Rates
   No Closing Cost First Mortgage Rates
   Repossession Sales
   Turo
   Mortgage Rates
   Construction & Lot Rates
   Personal Rates
 * Accounts
   
   
   ACCOUNTS
   
   
   FIND WAYS TO SAVE & SPEND
   
   
   CHECKING ACCOUNTS
   
   Premium Classic Money Market Checking Comparison
   
   SAVINGS ACCOUNTS
   
   Share Savings Money Market Savings Wedding Savings Health Savings (HSA)
   Lively Login Health Savings for Employers Lively Login Coverdell Education
   Savings Charitable Memorial Youth Savings Student Savings
   
   CERTIFICATE ACCOUNTS
   
   Regular Certificate IRA Certificate Bump-Rate Certificate Dedicated Savings
   Flexible Certificate Ladder Certificate
   
   MEMBERSHIP
   
   Becoming a Member Military Offers Select Employer Group Member Deals and
   Discounts Exclusive Member Pre-Sales
   
   IRA INVESTING
   
   Traditional IRA Roth IRA IRA Accumulator Certificate Accounts
   
   DEPOSIT ACCOUNT RATES
   
   Savings Rates Certificate Rates Checking Rates
   
   CALCULATORS
   
   Savings Calculators
   Premium
   Classic
   Money Market
   Checking Comparison
   Share Savings
   Money Market Savings
   Wedding Savings
   Health Savings (HSA) Lively Login
   Health Savings for Employers Lively Login
   Regular Certificate
   IRA Certificate
   Bump-Rate Certificate
   Dedicated Savings
   Becoming a Member
   Military Offers
   Select Employer Group
   Member Deals and Discounts
   Traditional IRA
   Roth IRA
   IRA Accumulator
   Certificate Accounts
   Savings Rates
   Certificate Rates
   Checking Rates
   Savings Calculators
   Coverdell Education Savings
   Charitable Memorial
   Youth Savings
   Student Savings
   Flexible Certificate
   Ladder Certificate
   Exclusive Member Pre-Sales
 * Services
   
   
   SERVICES
   
   
   SEE HOW WE CAN SERVE YOU
   
   
   DIGITAL BANKING SERVICES
   
   Digital Banking Online Banking Online Bill Pay Online Statements Alerts Money
   Manager FICO Score America First Virtual Assistant Zelle
   
   MOBILE SERVICES
   
   Mobile Banking Mobile Wallet Card Guard
   
   FINANCIAL CALCULATORS
   
   Auto Calculators Mortgage Calculators Savings Calculators Cash Flow
   Calculators Credit Calculators Retirement Calculators College Planning
   Calculators Small Business Calculators
   
   RETIREMENT & WEALTH
   
   Retirement Planning & Wealth Services Insurance Services Investment Services
   Self Directed Online Trading Trust Services Medicare Planning
   
   OTHER SERVICES
   
   Skip-A-Pay Routing Number Making Loan Payments Direct Deposit Electronic
   Deposits & Withdrawals Wire Transfers Switching Made Easy ATMs Financial
   Counseling Services Foreign Currency Exchange Identity Theft Recovery Direct
   Deposit Government Enrollment Form Repossession Sales New Account Loan Hub
   Speech Access America First Video Teller
   
   INSURANCE & PROTECTION
   
   Insurance Services Proof of Insurance Submission Credit Disability & Life
   Insurance Guaranteed Asset Protection Mechanical Breakdown Protection
   Digital Banking
   Online Banking
   Online Bill Pay
   Online Statements
   Mobile Banking
   Mobile Wallet
   Card Guard
   Auto Calculators
   Mortgage Calculators
   Savings Calculators
   Cash Flow Calculators
   Retirement Planning & Wealth Services
   Insurance Services
   Investment Services
   Self Directed Online Trading
   Routing Number
   Making Loan Payments
   Direct Deposit
   Electronic Deposits & Withdrawals
   Wire Transfers
   Switching Made Easy
   Skip-A-Pay
   Insurance Services
   Proof of Insurance Submission
   Credit Disability & Life Insurance
   Guaranteed Asset Protection
   Mechanical Breakdown Protection
   Alerts
   Money Manager
   FICO Score
   America First Virtual Assistant
   Credit Calculators
   Retirement Calculators
   College Planning Calculators
   Small Business Calculators
   Trust Services
   Medicare Planning
   ATMs
   Financial Counseling Services
   Foreign Currency Exchange
   Identity Theft Recovery
   Direct Deposit Government Enrollment Form
   Zelle
   Repossession Sales
   New Account Loan Hub
   Speech Access
   America First Video Teller
 * Visa
   
   
   VISA
   
   
   CHOOSE YOUR CARD
   
   
   VISA CREDIT CARDS
   
   Visa Signature Visa Platinum Visa Classic Secured Visa RSL Visa Silicon
   Slopes Visa Activation Limit Increase
   
   VISA DEBIT CARDS
   
   Visa Debit Card Fundz Visa Debit Card RSL Debit Card Raiders Debit Card Utah
   Jazz Debit Card U of U Debit Card
   
   VISA PERKS
   
   Visa Rewards Benefits and Perks Picture Perfect Card Security Travel Security
   Identity Theft Recovery Online Rewards Store Visa Dispute Form
   
   VISA RATES
   
   Visa Signature
   Visa Platinum
   Visa Classic
   Secured Visa
   Visa Debit Card
   Fundz Visa Debit Card
   RSL Debit Card
   Raiders Debit Card
   Visa Rewards
   Benefits and Perks
   Picture Perfect
   Card Security
   RSL Visa
   Silicon Slopes
   Visa Activation
   Limit Increase
   Utah Jazz Debit Card
   U of U Debit Card
   Travel Security
   Identity Theft Recovery
   Online Rewards Store
   Visa Dispute Form
 * Business
   
   
   BUSINESS
   
   
   BE IN GOOD COMPANY
   
   
   BUSINESS CHECKING
   
   Basic Premier High-Yield Non-Profit
   
   BUSINESS SAVINGS
   
   Dedicated Savings Business Share Savings Business Money Market Savings Health
   Savings for Employers
   
   BUSINESS CERTIFICATE ACCOUNTS
   
   Regular Certificate Bump Certificate Flexible Certificates Ladder
   Certificates Dedicated Savings
   
   BUSINESS VISA CARDS
   
   Credit Cards Debit Cards Visa Business Reporting
   
   BUSINESS LOANS
   
   Business Vehicles SBA / Business Loan Request Business Lines of Credit
   Equipment & Machinery Loans Unsecured - Capital Business Acquisition /
   Franchise Loans Commercial Real Estate Turo
   
   BUSINESS RATES
   
   Business Rates
   
   BUSINESS SERVICES
   
   Online Banking Business Bill Pay Login Business Remote Deposit Login Online
   Statements Business ACH Origination Merchant Services Speech Access Wire
   Transfers Payroll Services Business Resources Business Planning Business
   Registration Services Zelle Business
   Basic
   Premier
   High-Yield
   Non-Profit
   Dedicated Savings
   Business Share Savings
   Business Money Market Savings
   Health Savings for Employers
   Regular Certificate
   Bump Certificate
   Flexible Certificates
   Ladder Certificates
   Credit Cards
   Debit Cards
   Visa Business Reporting
   Business Vehicles
   SBA / Business Loan Request
   Business Lines of Credit
   Equipment & Machinery Loans
   Business Rates
   Online Banking
   Business Bill Pay Login
   Business Remote Deposit Login
   Online Statements
   Business ACH Origination
   Dedicated Savings
   Unsecured - Capital
   Business Acquisition / Franchise Loans
   Commercial Real Estate
   Turo
   Merchant Services
   Speech Access
   Wire Transfers
   Payroll Services
   Business Resources
   Business Planning
   Business Registration Services
   Zelle Business
 * About
   
   
   ABOUT US
   
   
   GET TO KNOW AFCU
   
   
   COMPANY PROFILE
   
   Volunteer Leadership Mission Statement The Credit Union Difference Facts and
   Financials Member Advocate Group Our History Our Name
   
   NEWS
   
   Memberline News and Press Releases Events and Seminars
   
   AMERICA FIRST CHARITABLE FOUNDATION
   
   Donations Community First Kids First Service First - America First Credit
   Union Education First Community Events & Sponsorship Forms
   
   SECURITY
   
   Security Overview Security Awareness Online Security Mobile Security ATM
   Security Account Security Card Security Card Guard Travel Security Identity
   Theft Protection Fraud Text Alerts Risk Alerts Types of Fraud Tips to Avoid
   Fraud Reporting Fraud Stolen Card
   
   HELP & RESOURCES
   
   FAQs Disclosures Documents Co-Browsing Support Holiday Hours
   
   CAREERS
   
   Volunteer Positions E-Verify Our Company Culture
   
   CONTACT US
   
   Contact Us
   
   BRANCH LOCATIONS
   
   Branch Locations
   Volunteer Leadership
   Mission Statement
   The Credit Union Difference
   Facts and Financials
   Memberline
   News and Press Releases
   Events and Seminars
   Donations
   Community First
   Kids First
   Service First - America First Credit Union
   Security Overview
   Security Awareness
   Online Security
   Mobile Security
   ATM Security
   Account Security
   FAQs
   Disclosures
   Documents
   Co-Browsing Support
   Volunteer Positions
   E-Verify
   Our Company Culture
   Contact Us
   Branch Locations
   Member Advocate Group
   Our History
   Our Name
   Education First
   Community Events & Sponsorship Forms
   Card Security
   Card Guard
   Travel Security
   Identity Theft Protection
   Fraud Text Alerts
   Holiday Hours
   Risk Alerts
   Types of Fraud
   Tips to Avoid Fraud
   Reporting Fraud
   Stolen Card

Search
Search Site
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POPULAR QUESTIONS

 * What is America First Credit Union's routing and transit number?
 * How do I reorder checks?
 * How can I find branch locations and hours of operation?
 * Where can I find repos for sale?

FAQS BY CATEGORY

 * Direct Deposit
 * Bill Pay
 * Online Statements

LEARNING

 * Common Money Beliefs
 * Financial Institute Tutorial
 * Buying a Used Car
 * Good vs. Bad Spending


Menu



0% INTEREST FOR THE FIRST SIX MONTHS!

America First Visa Card

LEARN MORE


0% INTEREST FOR THE FIRST SIX MONTHS!

LEARN MORE


America First Visa Card


ENJOY AN AUTO PAYMENT-FREE SUMMER!

LEARN MORE


ENJOY AN AUTO PAYMENT-FREE SUMMER!

LEARN MORE




GET YOUR MONEY WORKING

Get 5.25% APY for 3-5 month certificates.

START TODAY


GET YOUR MONEY WORKING

START TODAY


Get 5.25% APY for 3-5 month certificates.


GET YOUR SUMMER MOVING

Apply for a low-rate RV or powersports loan.

LEARN MORE


GET YOUR SUMMER MOVING

LEARN MORE


Apply for a low-rate RV or powersports loan.


SKIP TOWN THIS SUMMER!

For only $30, eligible members can skip loan payments*

SKIP-A-PAYMENT


SKIP TOWN THIS SUMMER!

SKIP-A-PAYMENT


For only $30, eligible members can skip loan payments*

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SEARCH

Online Banking Login

LOGIN
“

First time logging in?   Enroll now

POPULAR QUESTIONS

 * What is America First Credit Union's routing and transit number?
 * How do I reorder checks?
 * How can I find branch locations and hours of operation?
 * Where can I find repos for sale?

FAQS BY CATEGORY

 * Direct Deposit
 * Bill Pay
 * Online Statements
 * Visa

LEARNING

 * Common Money Beliefs
 * Financial Institute Tutorial
 * Buying a Used Car
 * Good vs. Bad Spending


Previous
Today's Rates

As low as
6.25%
Home - 30 Year Fixed
6.34% APR
SEE ALL RATES
Today's Rates

APR as low as
7.49%
Home Equity - 10 Yr Fixed
No Closing Costs Home Equity Loan 80% LTV
SEE ALL RATES
Today's Rates

APR as low as
6.74%
Auto Loans - 5 Year Fixed

SEE ALL RATES
Today's Rates

As low as
6.25%
Home - 30 Year Fixed
6.34% APR
SEE ALL RATES
Today's Rates

APR as low as
7.49%
Home Equity - 10 Yr Fixed
No Closing Costs Home Equity Loan 80% LTV
SEE ALL RATES
Next

BECOME A MEMBER

Become part of the America First Credit Union financial family and enjoy all the
benefits of America First Credit Union.
Learn More

BECOME A MEMBER

Learn More

Become part of the America First Credit Union financial family and enjoy all the
benefits of America First Credit Union.

APPLY FOR LOAN

America First has low-rate financing options for your complete financial needs.

Learn More

APPLY FOR LOAN

Learn More


America First has low-rate financing options for your complete financial needs.

FIND LOCATION

Use the location capabilities of your browser/device to find branches closest to
your current location.

See Locations

FIND LOCATION

See Locations


Use the location capabilities of your browser/device to find branches closest to
your current location.




OUR “WHY” IS YOU — AND HAS BEEN SINCE 1939.

“

Since America First Credit Union was founded in 1939, we’ve cared the most about
your success, community, and family’s financial security. Because it’s not
enough to simply be another credit union—we want to help you reach your
financial goals and live the life you want.

BECOME A MEMBER

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HOME EQUITY LOANS

For a limited time, get a 0.25% discount on an already low rate.

LEARN MORE


HOME EQUITY LOANS

LEARN MORE


For a limited time, get a 0.25% discount on an already low rate.




GET YOUR SUMMER MOVING

There’s no better way to kickstart your next adventure than with a low-rate
auto, RV, or powersports loan from America First.

LEARN MORE


GET YOUR SUMMER MOVING

LEARN MORE


There’s no better way to kickstart your next adventure than with a low-rate
auto, RV, or powersports loan from America First.




BOOST YOUR CHRISTMAS BUDGET EARLY

Reduce the stress of holiday shopping with America First dedicated savings.
Simply choose the monthly deposit amount & the term and these certificate
accounts will automatically set money aside for future expenses.

DEDICATE YOURSELF


BOOST YOUR CHRISTMAS BUDGET EARLY

DEDICATE YOURSELF


Reduce the stress of holiday shopping with America First dedicated savings.
Simply choose the monthly deposit amount & the term and these certificate
accounts will automatically set money aside for future expenses.



REPOSSESSION SALES

A repossessed vehicle could be the right option to get you on the road for less.
Check out our selection.

Learn More

REPOSSESSION SALES

Learn More


A repossessed vehicle could be the right option to get you on the road for less.
Check out our selection.



U OF U DEBIT CARD

Are you a Utah fan who is up to snuff, never bluffs, and is game for any fuss?
Now you can show your devotion to the Utes with our newest debit card.

Learn More

U OF U DEBIT CARD

Learn More


Are you a Utah fan who is up to snuff, never bluffs, and is game for any fuss?
Now you can show your devotion to the Utes with our newest debit card.



MEMBER ADVOCACY

Become a Member Advocate for America First and preserve your family's ability to
find and maintain financial well-being with credit union membership.

Get Active

MEMBER ADVOCACY

Get Active


Become a Member Advocate for America First and preserve your family's ability to
find and maintain financial well-being with credit union membership.



CONSOLIDATE & SAVE!

Combine your high-rate loan balances with Consolidation Loans from America First
Credit Union. 

Learn More

CONSOLIDATE & SAVE!

Learn More


Combine your high-rate loan balances with Consolidation Loans from America First
Credit Union. 





WHAT OUR MEMBERS ARE ASKING

“

Managing your finances can feel overwhelming. Don’t worry, we’re here to help.


“


HOW CAN I AFFORD A HOME IN TODAY’S MARKET?

“

With soaring housing prices, becoming a homeowner can be more of a challenge.
Let our financial experts discuss your best options. Call 1-866-224-2157 to
speak with a mortgage representative.

“


I NEED A NEW CAR, WHERE DO I START?

“

We offer fast financing for cars, trucks, vans, motorcycles, and more! We also
offer repossessed vehicles at affordable prices. Learn more about America First
Auto Loans here.

“


HOW WILL I BE ABLE TO RETIRE?

“

There’s no better time to start saving than now. We offer a variety of
investment and savings options to make sure your money is there when you need
it. Start here.

“


WHO CAN I TRUST TO TAKE CARE OF MY MONEY?

“

It’s your money, so it’s important to keep it in the hands of people you can
fully trust. That’s why, at America First, we put measures in place to prevent
fraud, identity theft, and more. Learn more about America First's account
security here. 

“


HOW CAN I STAY AFLOAT IN TODAY’S ECONOMY?

“

With today’s unsure economic climate, it’s increasingly important to have a nest
egg. We have all the tools you need to help you get started. Start here. 

“


HOW DOES INFLATION IMPACT MY STANDARD OF LIVING?

“

Inflation can erode purchasing power. For example, a dollar today cannot buy the
same amount of goods and services it could 20 years ago. It will continue to
erode purchasing power in the future. Use this calculator to determine the
impact inflation may have on your standard of living.


THE AMERICA FIRST APP — BANKING RIGHT IN YOUR POCKET






Get an overview of your accounts and finances

Transfer money, pay bills, and manage all of your accounts in one place

Deposit checks from anywhere using your device’s camera


WHAT OUR MEMBERS ARE SAYING

“

America First serves hundreds of individuals and families just like you. Listen
to what they have to say.


“

I haven't interacted much with this credit union, but the times that I have can
be rated phenomenally. Last weekend when my wife and I were inquiring about a
Home Equity Loan at a different credit union we kept getting the run around. We
left and headed to America First where we found the process so much more
organized and helpful. Before we could sit down after talking to the
receptionist we had a loan officer taking us back. The process was very pleasant
and the loan officer, Spencer, made it fun and easy. Thanks Spencer!

- James

“

They're fast, friendly and polite. Best financial institution I've ever used.
Easy to work with, too.

-Sandvean

“

I love America First! They have always been my go to bank for credit cards,
loans, checking, savings. etc. Great customer service and banking options

“

Best Credit Union I have ever delt with. Takes care of all our needs. Very
friendly workers. Have been using credit unions for over 11 years...AFCU, is the
best...

- Joe

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WE'RE HERE TO HELP YOU

“

At America First Credit Union, our chief concern is the financial well-being of
our members. We strive to provide superior products and services to those who
need it as we strengthen the communities in which we serve. 

SEE WHAT WE CAN OFFER

Latest News
More News
Jul 9, 2024
America First Credit Union partners with Loquat Inc for small business account
onboarding
Jun 13, 2024
Technology-Centric Credit Union Branch Opens in Provo
Upcoming Events
More Events
Sep 11, 2024
Social Security Seminar
Sep 19, 2024
Five Smart Investing Principles Seminar



EXTERNAL LINK DISCLAIMER

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“

You are about to visit a site not owned by America First Credit Union. Please
note that America First is not responsible for any information, content, or
products on third-party sites. This linked site is not bound by the America
First Privacy Policy found by clicking here.

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“

America First Credit Union

P.O.Box 9199

Ogden, Utah 84409

Become a Member


HELPFUL STUFF

 * FINANCIAL EDUCATION
 * PROTECTING YOURSELF
 * NEWS AND EVENTS
 * LOAN CALCULATORS
 * REPORT FRAUD




SERVICES

 * OUR RATES
 * APPLY FOR A LOAN
 * FIND A BRANCH
 * ONLINE BANKING
 * CONTACT US


“

START YOUR CAREER AT AMERICA FIRST

VIEW CURRENT OPENINGS
“

ROUTING NUMBER: 324377516


--------------------------------------------------------------------------------

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“

©2024 America First Credit Union. All Rights Reserved. America First Federal
Credit Union does business as (DBA) America First Credit Union. Unauthorized
account access or use is not permitted and may constitute a crime punishable by
law. America First Credit Union respects your privacy. Please view our Privacy
Policyopens in a new tab, Email Opt Out Procedure and Fraud Alert Text/SMS
Notification Terms and Conditions. This credit union is federally insured by the
National Credit Union Administration.




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