America First Credit UnionReviews of americafirst.com

The name of this company should be America's LAST credit union. We have a vehicle financed with this company (not by our choice), when my husband called to inquire about making extra payments or payments more than what is due he was told anything extra paid is directed towards principal (mind you every time we have called it's been over a 20-30min wait time). Well, what they said and what they are doing is two different things, what they are doing is taking all the extra money we have been paying and applying it to the interest, not the principal. When he called today, after another 20+min wait time, he was told because he pays more than what is due and sends in extra payments it's automatically applied to interest. When he attempted to explain that is not what he was told by a different representative, the one representative on the phone, rudely interrupted him from speaking and asked him, "Is there anything else I can do for?" What a crock...we are now going to be re-financing our loan with a different company who does things right and applies any additional money paid towards a loan to principal, not interest, a company that doesn't steal our money.

was a GREAT credit union - now it is a too big machine only call them during business hours and wait one to two hours for help and make sure crooks only work 9 to 5 or else you are in for trouble

This has been the most unbelievably awful experience ever for a business account. I trusted good reviews and went with an account here and OMG what a nightmare. Every representative I speak with gives me inaccurate information about key issues and features. They will not tell you that you can't transfer money out from a business account (what?), link external accounts (what?), wire funds out without going into the branch - they will tell you you can mail a form, but in fact that's not true). There's no Zelle either. You will wait forever for a PIN that must be mailed. In fact, EVERYTHING must be snail-mailed or obtained in person inside a branch. You can't make an appointment, either, because you cannot reach an individual branch since there's no phone or email to do so other than a 1-800 number no one answers. If you DO get a response to a call or email question, it is either irrelevant to what you asked or totally incorrect information. Basically, they've been sitting on a huge amount of funds wired in by my clients that I cannot get out. Nice trick! The online business platform is a relic as well. Totally useless. The only thing I will say positive about this place is that the reps are nice on the phone, just too bad they have no training. I can't close this account fast enough.