America First Credit UnionReviews of americafirst.com

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.

I started an account with America first I deposited my work check and my apartment deposit, they told me max five day hold, they still haven't released my money it's been close to three weeks now, if you live pay check to pay check, do not use this bank, i regret opening an account there, soon as my money clears I'm switching banks, never putting any money in this dishonest place ever, beware this place will take it money and keep it they won't care about ur bills food children, you've been warned

Avoid America First Credit Union – Dishonest, Incompetent, and Unethical In October 2024, we applied for a mortgage with America First Credit Union (AFCU). By December, we received loan approval and were given authorization to provide a deposit and sign a letter of intent with our contractor to begin engineering on our new home build. We moved forward in good faith, trusting AFCU’s commitment. However, on February 20, 2025, after weeks of zero communication from our loan officer, we contacted AFCU for an update. We were shocked to learn from a mortgage department representative that our loan officer had been fired for incompetence. Wanting clarity, we reached out to him directly—only to discover that he had not been fired but instead laid off along with 30+ employees as part of a department-wide downsizing. To this day, he remains gainfully employed at another financial institution. Following his departure, AFCU reversed our loan approval, forcing us to reapply—only to increase our interest rate from 7.375% to 9.5%. Our attorney has seen financial institutions use this tactic to deliberately disqualify borrowers from securing loans. Major Data Breach – Negligence at Its Worst Adding to their incompetence and complete disregard for our privacy, AFCU mailed our entire loan application via USPS in unsealed envelopes. This exposed highly sensitive personal data, including: • Full names • Date of birth • Social Security numbers • Home address & phone numbers • Account numbers & balances Anyone handling our mail could have accessed this confidential information, putting us at serious risk of identity theft and fraud. Zero Accountability & Financial Harm Due to AFCU’s dishonesty and negligence, we requested a refund of our deposit with the contractor, as their failures directly caused this financial and emotional distress. After three weeks of silence, AFCU finally responded—denying any refund or compensation. From February 20, 2025, until today, AFCU has strung us along, leaving us in financial limbo as we scrambled to secure funding elsewhere. Instead of helping their members, they seem more focused on sports sponsorships than on ethical banking and customer service. Final Warning – Stay Away from AFCU We left a “big bank” after 40 years, believing a credit union would prioritize its members’ best interests. We were wrong. AFCU has severely impacted us financially, breached our trust, and caused unnecessary stress and suffering. ⚠️ BE WARNED: AFCU operates with dishonesty, incompetence, and a total lack of ethics. ⚠️ Avoid this institution at all costs.