America First Credit UnionReviews of americafirst.com

My Wife has been a Member of the Credit Union for almost 40 years and I have been a member for about 7 years. The Customer service is Great, the services are wonderful but there is a reason for the three stars. The Bank does not look at me as a person just a credit number. The lending has gotten sparse and the qualifications for loans has gone way up. They have treated us decently through the years but getting a loan is very difficult. Seems they only want to lend to people with 700 plus credit scores. We need this loan to get the Truck we need and the tools to get our business going.

We have banked with AFFCU for over 20 years now. It's not what it used to be! Although this credit union is the best in the area it still has its shortcomings. New fees have been implemented and our money is not as available as it used to be. We have a cap of $500 cash that can be taken out monthly. If you have medication or other items that need to be paid for with cash this is a HORRIBLE problem!! The credit union's assets are recorded as $14,411,237,777 while its Liabilities are $13,167,464,788 (per their website). Total member equity is $1,243,772,989. So they are showing their liability to their customers but only have a fraction of that available at any given time. I would suggest reading up on what happened to our banking system during the Pan.. and what happened to the FDIC insurance. It used to be that a banking facility needed to have 10% cash reserves for its customers and could invest the other 90%. Apparently, that has changed and financial institutions can use up to 100% of your money to make investments. I don't know if AFFCU is doing this or not, but I do know OUR money has not been available all the times we've needed it to be and things are getting worse.