America First Credit Union is a Federally Insured State Chartered Credit Union with 100 branches, assets of $5,406,812,408 that is headquartered in Riverdale, UT. America First has a long-standing history of benefiting from member-volunteers who perform vital functions for the organization. This tradition began with the use of field representatives, and has evolved into... show more
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America First Credit Union Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 01/22/2026.
2.6
356 reviews
from WalletHub and across the web
356 reviews from WalletHub and across the web
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America First Credit Union
Julie Palmer @julierickspalm
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5 Star Rating
I am so grateful to America First Credit Union. They recognized a scam that I had bought into. They didn't let that transaction go through and put a hold on my account. Afterward, I checked the business that was trying to scam me and they really were impersonating a legitimate business. I'm impressed that America First was able to detect the fraud and protect me as well as all clients.
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America First Credit Union
zelda Fitzgerald @silver67impala
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1 Star Rating
I have been with America First for over 20 years. The first 15 years were great, but now they are terrible. Member service has drastically declined. They are either rude or do not read or listen to what is said. I applied for a car loan, and they wanted a 3% higher interest rate than all the other credit unions I applied to. My home equity is at an outrageous rate, which makes it hard to pay off. And today... Oh, today. They took out double charges for everything that went through. I feel sorry for those who have less money than I do, and I am not rich, but I just imagine this morning was difficult for them. I am done!
Oh and dear AFCU, don't reply with fake feedback, claiming you care about our members, etc. You know you don't. You used to, but you don't now. How many more sports arenas do you need?
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
Zelda, we understand you asked us not to respond, but we felt it was important to acknowledge your concerns because we truly care about our members. We’re sorry to hear about the frustration you’ve faced with service, rates, and the duplicate charges. This is not the experience we want for our members, and we appreciate your honesty. The issue with duplicate charges has been corrected and your account should now be reflecting accurately. If you need any additional assistance or would like to discuss further, please contact us directly at [email protected].
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America First Credit Union
Justin Atkinson @justinatkinson1
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1 Star Rating
I had four fraudulent charges totaling over $1,200 in one day. The charges were 60 miles from my house, yet the fraud department stated, 'It is going to be very difficult for us to get your money back at this point.' I was also charged overdraft fees because my mortgage payment sent my line of credit over its limit before I noticed the fraudulent charges. I was told that is a different department and would likely not get those overdraft fees refunded to my account either. I will be switching financial institutions once I find out the status of my fraud dispute. AFCU has certainly changed over the last couple of years.
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
Your concerns are important to America First, Justin. Please reach out to us directly at [email protected] so we can resolve them. We look forward to hearing from you soon.
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America First Credit Union
bd Higbee @bjameshigbee
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1 Star Rating
I pay my rent at this institution because my landlord has his account there. I use cash, so when I try to deposit cash into my landlord's account, I have to give them my Social Security number. This is nonsense, and they want you to give it to them at the drive-up windows, but only the one on 5th East and 5th South.
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
Bjameshigbee, thank you for sharing your concern. We understand that being asked for your Social Security number can feel uncomfortable however this requirement is based on federal regulations. For added privacy, we recommend visiting a branch lobby instead of using the drive-up. If you'd like to talk more about this, please reach out to us at [email protected].
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America First Credit Union
Gabriella Gessel @gabbs
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1 Star Rating
I've banked with America First for over 20 years, and this past year dealing with them on an auto loan has been beyond a joke. Between their inability to adjust an auto loan rate correctly (they miscalculated the new rate/payment!) to now force-placing insurance on my loan despite numerous attempts at sending them proof of insurance, I am finished and will be moving all of my accounts as soon as possible. They are doing fraudulent/shady business and I no longer trust them. Do yourself a favor and don't bother banking with this institution.
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Product: America First Credit Union Car Loans
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America First Credit Union @AmericaFirst
Thank you for your feedback, Gabriella. We want to address your concerns. Please get in touch with us directly at [email protected]. We look forward to hearing from you soon.
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America First Credit Union
john parry @johnparry
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1 Star Rating
Customer service is at best - poor. I went to the Millcreek branch to have a "Medallion Signature Guarantee." They indicated that they couldn't provide a "Medallion Signature Guarantee" and sent me (after waiting for the first half-hour with no one in front of me in the queue) to the South Salt Lake branch. I waited there for an hour. Over 6 people came and left after I arrived. They were all helped and left. Finally, someone started to help me; however, it wasn't the person who could provide the "Medallion Signature Guarantee." At the same time, they said that this was an incomplete document and I couldn't receive a "Medallion Signature Guarantee." What a waste of time! America First has poor customer service (I could rate it as ZERO).
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Product: America First Credit Union Business Services
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America First Credit Union @AmericaFirst
We’re sorry to hear about your Medallion Signature Guarantee experience, John. Please expect to be contacted soon by an America First Credit Union representative, who will work with you to address your concerns.
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America First Credit Union
Serenitii Slade @sladeserenitii
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1 Star Rating
My boyfriend banks with America First, and since we've been together, his account has been randomly frozen many times, too many to count. In the past few weeks alone, it has happened twice. He does not get notified when they do this; he finds out after he attempts to make a purchase. He has to wait two days because when they froze it, it was after 5 p.m. on a Saturday, and banks are closed on Sunday, so he has not had access to his money. This is a very frustrating situation that keeps occurring. Please fix this.
P.S. It wasn't over large transactions or any questionable activities. His account was frozen one time simply for getting gas.
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
Serenitii, we appreciate your review and are committed to addressing the issues you mentioned. If your boyfriend is willing to share additional details, please have him email us directly at [email protected]. We look forward to hearing from him soon.
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America First Credit Union
Jeff Cassidy @jeff_cassidy23
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1 Star Rating
Banking officials like to exert their so-called control over their customers by holding onto checks until they deem fit, even past the normal two-day holding time. Their staff will lie to your face and get away with it every time. The main branch in Ogden is the latest offender and left me with such a bad taste in my mouth that I would never bank with them if they were the last bank on Earth. Try sticking to your policies and think about your customers more than you currently do. Put yourself in their place.
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Product: America First Credit Union Savings
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America First Credit Union @AmericaFirst
Thank you for your feedback, Jeff. We want to address your concerns. Please get in touch with us directly at [email protected]. We look forward to hearing from you soon.
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America First Credit Union
Cdawg Gradizzle @senator_gravett
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1 Star Rating
Used to be a great little credit union. Now money is everything and member services come a distant second. Customer service is absolutely abysmal. Their call center in Ogden is the absolute worst.
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
We apologize for not meeting your expectations, senator_gravett. Let's discuss how we can improve via [email protected]. We look forward to hearing from you soon.
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America First Credit Union @AmericaFirst
We apologize for not meeting your expectations, Cdawg Gradizzle. Let's discuss how we can improve via [email protected]. We look forward to hearing from you soon.
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America First Credit Union
Candice Blanck @candiceblanck
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1 Star Rating
I've lost all faith in this bank. I contacted them immediately after noticing a suspicious charge on my account, and I was treated very rudely.
I canceled my card and was waiting for my dispute to be resolved, but to my surprise, it was denied. They tried to tell me that because they have my name and address, I must have made the charge. However, isn't that what fraud is about? They have my information on the card, including my address, and they can use it fraudulently. That's why we have fraud protection.
I even contacted the merchant and filed a police report, but I have still heard nothing. They claimed they sent me a denial letter in the mail, which I never received. I believe they just don't want to cover any cases of fraud. Don't bank here. Unless you can afford to pay for your own fraudulent charges. You would be better off putting your money in a safe.
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Product: America First Credit Union Credit Cards
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America First Credit Union @AmericaFirst
Thank you for your feedback, Candice. We want to address your concerns. Please expect to be contacted soon by an America First Credit Union representative, who will work with you to address your concerns.
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America First Credit Union
m_gowans @m_gowans
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1 Star Rating
Horrible customer service. I moved out of state and tried to close my account prior to leaving. Two weeks later, I still had not received my funds (over $1500). I called customer service and reported the issue. They said they would reissue the check and mail it (they did not use tracking services with USPS). Weeks later, I called and reported that I had still not received my funds. The representative suggested "waiting a couple more days to see if it would arrive". The check never arrived. I called several times but struggled to get through the automated system to speak to a live person. I sat on hold for literally hours (cumulative). When I finally got a live person, they reported that they had no record of my account with them. Their "best guess" was that the funds were sent to the state as "unclaimed property". I checked with both the NCUA, who reported that accounts have to be dormant for 3-5 years before assets are transferred, as well as the State of Utah, which has no record of receiving funds in my name. I called American First again and they basically said it was my loss, and to get over it - that last phone call...I sat on hold for over 90 minutes just to get that message.
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
Your feedback is essential to us, M_gowans. Please get in touch with us directly at [email protected] so we can work on a solution together. We look forward to hearing from you soon.
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America First Credit Union
Larry Daley @deandaley
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1 Star Rating
America First Credit Union is the worst credit union for banking. I've been with them for over 15 years, and they treat me terribly. I get charged an overdraft fee because of an unauthorized charge that is not my fault, and they deny my request to credit back my account, which is very frustrating. Perhaps all credit unions, and especially banks, are like this. It seems you can't win, whether it's your fault or not.
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
Thank you for your feedback, @deandaley. We want to address your concerns. Please expect to be contacted soon by an America First Credit Union representative, who will work with you to address your concerns.
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America First Credit Union
with held @jwl4621
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1 Star Rating
I was very disappointed with the rude and disrespectful attitude I got from "Shon" at the Roebuck branch today. Beware if she attempts to wait on you.
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
with held, we appreciate your review and are committed to addressing the issues you mentioned. If you are willing to share additional details, please contact us directly at [email protected]. We look forward to hearing from you soon.
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America First Credit Union
Carl Pockrus @we7omg
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1 Star Rating
Horrible service. I can't make a cash deposit in the lobby or drive-thru without removing glasses and hat. I'm not transferring money out or asking for services that would require extra identification. Ridiculous!
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Product: America First Credit Union Checking
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America First Credit Union @AmericaFirst
Carl Pockrus, we have received your review and we are committed to addressing the issues you raise. Please expect to be contacted soon by an America First Credit Union representative, who will work with you to address your concerns.
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America First Credit Union
angelaschmitt162 @angelaschmitt162
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1 Star Rating
Worst banking experience I've ever had. I used America First Credit Union for my auto loan. A representative from another department called to offer balance transfers and lower interest on personal loan payoffs, ensuring me they would take care of everything. I agreed to do both. They assured me they didn't need any additional information and they would obtain the account numbers from my credit since they have it from my auto purchase. It's now two months later, and the transfers were not completed. My credit score has tanked. I've missed two days of work and spent over 8 hours on conference calls with AFCU and other banking institutions combing through failed ACH transactions, wire transfer information, and opening checking and savings accounts I don't want to solve this issue. I'd rather pay the higher interest and skip all this hassle.
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Product: America First Credit Union Credit Cards
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America First Credit Union @AmericaFirst
Thank you for your input, Angelaschmitt162. America First is dedicated to improving, and we value your suggestions. Please expect to be contacted soon by an America First Credit Union representative, who will work with you to address your concerns.
Get answers to your questions about America First Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can get America First's Card Guard by downloading the mobile banking app from the Apple App Store or Google Play store. You can log in with the same credentials you use for online banking. Card Guard is free and can help you manage your card on the go.
The service allows you to enable/disable your card, deny purchases above a certain amount, set spending limits, review transaction details, limit the locations where your card will work, manage merchants and set alerts.
To deposit cash into your America First Credit Union account while in Chino Hills, CA, you can use a CO-OP Shared Branch or a participating CO-OP Network ATM.
To find the nearest location and its operating hours, visit America First Credit Union's website or contact support at (800) 999-3961.
You can check the best checking accounts available to ensure that whatever decision you make really fits your goals.
Yes, America First Credit Union was a PPP (Paycheck Protection Program) lender. The credit union provided access to the Small Business Administration's Paycheck Protection Program portal where businesses could access money to keep their workforce employed during the pandemic. This progarm ended on May 31, 2021.
You don't need to make a direct deposit in order to open an America First Free Checking account. There is no minimum opening balance required for this account.
Yes, according to the company's website, Apple Pay is available to the credit union's customers.You can find out more here: https://www.americafirst.com/personal/services/additional-services/apple-pay.cfm
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