America First Credit UnionReviews of americafirst.com

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?

Hello, I will not go in detail what has accrued with your Losey bank. Yesterday, my wife tried to purchase a oven from Home Depot for $1,886.78. The transaction was declined. I called AFCU (last credit union), and I spent over one hour waiting in queue for a representative to answer. Then she spent another 15 minutes interrogating me with her stupid and endless verification answers. Finally, after this inquisition, I was told that amount was high and I was blocked. She removed the block and advised me to go back to Home Depot and run that transaction again. Today, I just did that. Once again, my transaction was declined. I called the horrible AFCU and waited for almost an hour, then transferred to another representative and a long wait and the lady refused to cancel my credit card. She wanted to drill me for a whole list of questions, just to proceed. I give up on this rotten bank. Bad service, bad customer service and a piss poor CEO. Cut up my credit card and away with America last credit untion.

Costumer service is at best is poor. I went to the Millcreek branch to have a “Medallion Signature Guarantee”. They indicated that they couldn't do a “Medallion Signature Guarantee” and they sent me (after waiting/wasting 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 was there. They were all helped and left. Finally, someone started to help me; however, it wasn't the person who could do the “Medallion Signature Guarantee”. At the same time, they said that this was an incomplete document and I couldn’t get a “Medallion Signature Guarantee”. What a waist time! America First has poor costumer service (I would rate as a ZERO if I could).

If I could give zero stars I would. My husband and I have a joint account, but they only let one of us be able to view the account through the app on our phone. Moreover, the account could say there's $280 after pending charges. But after it all posts, the account goes negative. EVEN THOUGH nothing is different. When we ask the bank about it, they're just like "Oh yeah. That happens sometimes. It's normal. The pending amount isn't exact." Oh yeah? Well, I think America First has someone in the basement fudging numbers to steal money from its members. Stay away at all costs.

We had a camper through them for 3 years. They kept raising our monthly payments. My husband tried to talk to them they refused to talk to him about it. We had tried to contact them because they kept screwing up our auto pay. We ended up 2 months behind. They claimed we didn't communicate but they called my husband, who is a log truck driver, while he had no service. They never answered the calls from him. They called from sketchy numbers, they were rude. They repoed our camper on Friday and told us we had to pay the entire amount to get it back. They refused to work with us. They were unprofessional, rude. I would want anyone who might think of doing business with them to be aware of how shady and sketchy they are. I worked at a bank myself and everything they did was not legal. We received zero notification of them repossession our camper. No warnings just rudeness. They are there for themselves not the customers.

I used to think this was a good bank, and I felt safe with them. However, that is no longer the case. Their fraud protection is terrible. I did everything I was supposed to do, but they did nothing to help me. The representatives were rude and condescending. They claimed my case was denied because the information matched mine, but of course it did— it was my credit card that was compromised! If they took the time to do some research they would have seen my last name was spelled wrong. Now I’m stuck paying for the fraud. I even filed a police report and tried to contact the merchant, but this bank has been utterly useless. In the end, they will lose my business, as my entire family is leaving this bank, and that's a significant amount of money moving elsewhere. They cannot stand by their fraud protection or support their customers. I will spend every day writing reviews and posting on social media to make sure everyone else knows as well.

I got an HELOC with them 5 years ago when interest rates were ~3%. I was thinking of using it now for a renovation, and they said the interest rate is variable. Which is fine. They said it's based on current variable rates. Ok, in my mind I thought 6-8%, to give them a bit of a premium (they gotta make money after all). Keep in mind that an HELOC is an asset-backed line of credit so rates should be similar to mortgage rates since the underlying collateral is the same. Maybe a little higher since the HELOC is a senior tranche of debt (it's not a first lien on the house, the mortgage is so a bit more risky) Well, guess what? They charge 1.25% interest PER MONTH!!!!!! That's an effective 16% interest rate per year. Are they nuts??? Some credit cards charge less, lol. Why do they charge a rate similar to credit cards for a line of credit that has my freaking house as collateral?????????? I'll never use them. Not now, not ever.

I will NEVER use America First Credit Union again. Their practices are completely unreliable and dishonest. I was lied to multiple times by different representatives, given conflicting information, and left in the dark when it mattered most. They clearly do not value their members or operate with any integrity. If you're looking for a trustworthy financial institution—keep looking. This place is a nightmare.