America First Credit UnionReviews of americafirst.com

They are adding big bank fees that came without warning. A 1.5% fee for cash advance for personal line of credit that did not exist until about 3 months ago, Now they have an international transaction fee. Add to it their corporate behavior in branches, nothing to do with their friendly and helpful institution that they used to be until recently. Now they are proffit focused, maybe illegal for a non-profit that they suppose to be. Stay away from them

I would not recommend this credit union at all. Nothing but issues. They tell you that you have overdraft, but you can't use all of it. The wait time, and it locks you out of your card. It's so much. Go to Navy Federal; it's the best ever.

Absolutely worst "bank" to work with at all. They charge you a CPI fee, then when you show that they were incorrect to charge you in the first place, they decided they should keep the $3k+ towards their principal. Not back in the customers pockets they stole it from. Called four times to rectify that situation and they hung up twice to avoid this. What a joke. Go any where before going to this so called "bank". I even tried to get a supervisor involved. Spoke to a so called "supervisor" named Janelle. She was the rudest supervisor I have ever had the displeasure to talk to. RUN from this "bank".

this is the worst bank EVER! EVER! they received a check two weeks ago to deposit into my account and NEVER did it. NOT only that but they took money out of my account without permission!!! DO NOT get a loan here! EVER.

I strongly warn anyone considering America First Credit Union to find a different financial institution. If you already have loans or accounts with them, DOCUMENT EVERYTHING. America First took our camper in July 2025 when we were only about 30 days behind on the loan. Before they took it, my husband repeatedly tried to communicate with them. He called WEEKLY, left messages, explained that he was working in an area where he often didn't have cell reception, gave them times when he could be reached, and repeatedly tried to let them know that the money was coming. They would not communicate with him. They would occasionally call while he was working. Every time he called they were hostile and rude. He would return the call, leave another message, explain the situation again, and ask them to call when he was available. This happened over and over. Then they took our camper. On the day they took it, my husband told them, "I have the money. I've been trying to tell you that, but you guys refuse to answer your phone." Their response to him was essentially, "I don't care. We can do what we want." They told him that unless he could pay the ENTIRE loan balance that day, we were not getting our camper back. That was after we had spent weeks trying to communicate with them. It is now September 2026, more than a YEAR after they took the camper, and they are STILL taking money from us related to that loan. I have worked in a loan servicing department, which makes this experience even more disturbing to me. We would NEVER have been allowed to treat customers the way my husband and I have been treated. The lack of communication, the threats, the way this account has been handled, and the continued financial impact on us have raised extremely serious concerns. And yes, I believe some of what we have experienced raises serious legal and regulatory questions. I am not going to pretend otherwise just to make this review sound nicer. Their representatives have been rude, unprofessional, dismissive, and unwilling to communicate when we were actively trying to resolve the situation. This is people's MONEY. These are people's homes, vehicles, campers, credit, and financial lives. A financial institution should not be able to refuse communication when a customer is actively trying to make arrangements and then turn around and punish that customer for the situation they were trying to resolve. This is, without question, the worst financial institution I have ever dealt with. Please protect yourself. Keep records of every payment. Save every letter. Screenshot everything. Keep your call logs and voicemails. Document the names of everyone you speak with. And based on what my husband and I have personally experienced with America First Credit Union, I would NEVER recommend banking with them. If you hear that name run as fast as you can. They will rip you off.

Really bad quality of explanations and communication. Everything you attempt to do seems to have some almost secret way of doing it, and it involves a lot of trial and error and wasted time just to figure out how things actually work. I first had this happen with ACH payments. I switched to AFCU and set up my routing and account number with a bill I had to pay. The payments didn’t go through for two months, and that company ended up closing my 13-year-old account because of it. Apparently, I had to not only let the other company know it was a checking account rather than a savings account, since AFCU uses the same account number for both, but there was also a separate four-digit code I had to put in front of the account number for ACH payments to actually pull correctly. I had no idea this was required. Another issue is that I also run a business and made a wire transfer online. I thought it had gone through, but the following month I realized it never went through at all, which caused me to be an entire month late on our business lease payment. Apparently, you have to sign a special document before they allow you to process wire transfers online through mobile banking. I don’t understand why I was even allowed to attempt and submit one in the first place if I wasn’t actually authorized to do it. Then, months later, they updated their mobile banking system and I suddenly couldn’t make wire transfers again. I had to call, re-sign the document, and then I was finally able to do it again. Now, since that same update, I can’t link my business account to QuickBooks, and I’m being told I basically just have to wait for AFCU to fix it. Oh, and I had never had fraud on my account before, but just two weeks ago I had two fraudulent transactions of around $200 each go through. At this point, I honestly feel like I’m an employee trying to troubleshoot and solve my own issues with the bank instead of a customer using their services. Every time something goes wrong, I’m the one having to make calls, figure out what hidden step I missed, find out what form or code is required, and piece together how their system works. It shouldn’t be this difficult to do basic banking. I’ve spent way too much time trying to solve problems that I don’t feel should have been mine to figure out in the first place.

Where to start? Branches, Branch Managers, Loan Officers, even Tellers are next to impossible to reach with their automated phone system. How about adding, “If you have the extension of the person you would like to speak with, please enter it now.”? These people seem to be reluctant to provide a business card with an email address. They never offer it. I've been trying to set up a business account with them and have had to jump through hoop after hoop and return to the branch three different times. Oh yes, the branch I've been attempting to do business with has flies -- it's in the Dan's Supermarket in Foothill Village.

Very satisfied with this financial institution, I meant to get a check transferred over to another institution before my Social Security was deposited. I take out my Visa payment on the same day every month and they have it marked as it wasn’t paid more than once this year very frustrating. I’m going to change financial institution. Matter of fact I’m going to move out the state of Utah very disappointed and how they run things here. Customer service is Little None. I’ve never missed a payment.