America First Credit Union is a federally chartered credit union headquartered in Riverdale, Utah, United States.
America First Credit Union (americafirst.com) has 57 customer reviews on Five Star Index, with an average rating of 1.7 out of 5.
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Jake
Truly one of the worst credit unions/banks I have ever worked with. They absolutely cripple my business when it comes to paying contractors, international work, etc. I’m now stuck trying to move all of my family’s accounts somewhere else. What a nightmare.
Hana S.
The app and external transfer system are extremely unreliable. My previously verified external bank account disappeared after an app update, forcing me to verify it again. Then, when I tried to transfer money to another account I own, my External Transfers access was suspended because the bank could not validate my identity. I have spent hours calling customer service and waiting for assistance. I opened this account for the promotional offer, but the experience has been incredibly frustrating and not worth the hassle.
T M.
One of the rep is amazing (Jennifer) from UT so if you need to get her help, please connect with her. There was a serious charge from my account that I explained to her what happened and it seem like a quick turn around for resolution. I'm still not believing what just happened and w/o her, you wouldn't get things done. Kudos!!
Josiah H.
This is by far the worst and most incompetent bank/credit union that I have ever dealt with. They over complicate everything and don't even fill in paperwork correctly. They overcomplicate simple requests and require excessive proof of identity even after verifying all information they ask and even being logged into my account! Just a few issues I experienced, I called to request proof that my accounts were paid off and at a zero balance. I gave the representative all requested information including answering several prompted security questions regarding my credit/identity. The representative then stated the documents would be uploaded to my document section on my online portal with could be accessed via email and password. But then she requested additional verification before I could send that. I was required to take photos of my driver license and a selfie photo of my face to match. All this to just receive a letter for an account I already verified! Another issue I had when trying to pay off the loan, a representative in the loan department sent me a prefilled document for me to sign and have notarized. I spent upwards of $100 between the notary and the overnight. I sent copies via email to the loan person and waited several hours before overnighting it. About 15 minutes after the document was taken to the postal service, the loan representative called me and claimed that I left a spot blank. I reminded her that SHE was, in fact, the person that prefilled in the document in and told me to not fill in anything other than my signature and notary section (to be done by the notary). Another issue was that a payment needed to be made by an individual during the transfer of title. The representative told this person that I needed to call in and answer verifying questions first and then, once confirmed, I was to conference in the individual making the payment in order to process the payment. So this is what I did. Once the other individual was on the line, the representative told me that the other individual needed to call in, answer verifying information and then conference me in. They told us both that the other person needed to initiate. They truly seem like they have no idea what they are doing most of the time. The left hand has no idea what the right hand is doing. This is just 3 of the several issues I had in a very short time of dealing with America First Credit Union. The individual who had the transfer of title is absolutely baffled at how incompetent this bank is. Not only will I never do business with this credit union again, the person we were dealing with also will be transferring their loan out immediately to a more competent institution. Do not use this credit union!
Roger C.
Janette help me start a Zelle account. I was making mistakes. She helped me correct them. I sent the payment to the person I needed to. I thank Janette for her professional customer service. I am hoping she is recognized by America First Credit Union for her dedication to serving the customers and her fortitude to create solutions. 07/06/2026
John
Absolutely horrible credit union. I have been with AFCU for 10+ years and they are the most difficult bank to deal with. I applied for vehicle refinancing when I was fresh out of a Chapter 7 and had a FICO score of 620. They gave me a conditional approval but my income was too low. Fast forward to today (8 months later), my income has risen significantly and my FICO is now at 681, but they tell me "you're still recovering from bankruptcy". I asked why they were willing to approve when I literally just got my discharge, but now a year later when I have established credit again, they say no. I think it's time to take all my accounts to a different credit union.
K M.
Attempted to open an account. I was denied by the Tenaya branch because I could not give them an emergency contact number. Not everyone has trustworthy friends or family members. Duh. Ridiculous. I can see if my doctor's office needs an emergency contact number....but why does America First CU need one? NO credit union or bank has EVER asked me for such unnecessary information! Their loss not mine!
Frank Y.
ooof what a stinker! AI and interactive voice mail building walls between you and AFCU, long waits if and when you make it past the screens and filters. I'm a brand new customer and i don't even know why I'm still trying.
