America First Credit UnionReviews of americafirst.com

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.

takes full advatage of you.... i was a customer with them for 8 years until they pull the big F U to me. please do not bank with these aweful people. your life will be hell.

AFCU- A.K.A The Mormon Bank I recently had a frustrating experience with AFCU (America First Credit Union), which I would caution others to avoid. After purchasing a new vehicle, I needed to pay off my old car loan that was financed through AFCU. However, when they received the check to pay off the loan, it was $51 short. Instead of contacting me to resolve the issue, they simply returned the check, leaving me in a position where I had to make a car payment to avoid late fees or negative marks on my credit. Each time I called to inquire about the situation, the customer service was not only unhelpful, but also passive-aggressive, making an already frustrating situation worse. This lack of communication and poor customer support was disappointing. It felt like I was being punished for something that could have been easily resolved with a quick phone call. I would strongly recommend looking elsewhere for financing. AFCU seems more interested in exploiting its position than providing good customer service or being transparent about their operations. While they might call themselves a credit union, their practices feel more aligned with a corporate bank, and I’m skeptical about their ties to the LDS Church. Whether or not they are directly affiliated, the institution's underlying culture is worth researching if you're considering doing business with them. In my opinion, you’re much better off securing a pre-approval from a traditional bank when buying a vehicle. Avoiding AFCU could save you both time and frustration.

If I could give negative stars I would. This bank is mega sketchy and abuse customer trust. They do not protect your finances AT ALL. An absolute disaster. American First Credit Union refuses to take responsibility for fraudulent charges, forcing me to go through the FTC and CFPB just to try and recover my money. It's been a complete nightmare trying to resolve these unauthorized transactions. They make you call them, file the claim hesitantly, and then take MONTHS to respond—yes, MONTHS—to your claim, and when they finally do, it’s through snail mail. On top of that, they pulled a hard inquiry on my credit report just to open an account, causing my score to drop. What’s even worse, they don’t provide any way to report issues, and when I tried to reach out to local or regional Utah regulators, there was no help. I’ve never encountered such problems with Wells Fargo or any other big bank, which is why I now understand why larger banks are at least relatively more trustworthy—they actually protect against fraudulent and unauthorized charges. American First Credit Union, on the other hand, is shady, unaccountable, and completely indifferent to the financial security of its customers. They have far too much power and use it to exploit and abuse their clients. Do NOT trust them—this is a predatory, corrupt institution.

Insurance verifcation. I keep sending my insurance documents and they keep threatening to charge $5000 ofr insurance which i already have and sent them. I will never use them again

I had a 8% interest rate on my credit card, now I find out It is now 18% without my knowing. they do not tell you they are going to F you behind your back. let alone, they give you a gredit increase to your most maxed out cards to gain more money from you, this was also not approved by me. these greedy A**holes deserve hell, hence they are apart of the LDS church. Matthew 25:35-40

This establishment is HORRIBLE they sebt me an enail saying they will DESTROY my credit for an Error for an overdraft for 10.00 they should be investigated lawbreaking This is an LDS CHURCH CREDIT UNION