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American First Credit Union is a member-owned, not-for-profit financial cooperative serving consumers and businesses since 1952, offering checking, savings, loans, and digital banking services.
Data compiled from public sources
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American First Credit Union originated in 1952 as a credit union serving grocery store workers and has since evolved into a community-focused financial institution offering services to the general public. The organization maintains its mission to improve financial well-being and help members reach their goals while enriching the communities it serves. As a credit union, it operates as a member-owned cooperative rather than a for-profit bank, with governance and profits directed toward member benefit.
The credit union offers a comprehensive suite of retail financial products including personal checking and savings accounts, home loans, vehicle loans, credit cards, share certificates with special interest rates, and mobile banking access. For business members, American First provides business checking accounts, business savings accounts, SBA 7(a) loans, and commercial real estate lending. All members gain access to over 30,000 fee-free CO-OP ATMs nationwide and 24/7 digital banking through their mobile app and online platforms.
American First distinguishes itself through its credit union structure, which emphasizes member service over profit maximization, and its longevity in the market since 1952. The institution highlights financial wellness advisory services, exclusive digital coupon benefits through Advantage Checking accounts, and guaranteed returns on share certificate specials. Their fraud alert protocols and emphasis on direct verification demonstrate attention to member security.
As a credit union, American First's primary limitation is membership eligibility, which typically requires membership in the credit union to access most services. The website provides limited detail on specific loan terms, interest rates, or eligibility requirements, requiring prospective members to contact the institution directly. Digital service quality and mobile app functionality are not extensively detailed on the public-facing website.
America First received 221 consumer complaints in the past 12 months. All complaints received a timely response from the company.
221
Complaints (12 months)
0.0%
Resolved with relief
Stable
Complaint trend
Most Common Complaint Categories
Ranked #2 in NV for SBA 7A lending in FY2026.
Source: Consumer Financial Protection Bureau · SBA
This is state-level context for Credit Unions consumers in Riverdale, UT. It does not confirm that America First or this specific location is licensed.
State regulator
Utah Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), America First has a 100% response rate to consumer complaints, with 97.5% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
America First offers 12 services including Personal checking accounts (including Advantage Checking with digital coupons), Personal savings accounts, Share certificates with special interest rate terms, Home loans, Vehicle loans, and 7 more.
America First has profile signals associated with Individuals seeking lower-cost financial services through member-owned cooperative structure, Consumers needing comprehensive lending products (auto, home, personal) from a single institution, Small business owners looking for SBA loans and commercial real estate financing, Members wanting broad ATM access and 24/7 digital banking convenience.
Key strengths: Access to 30,000+ fee-free CO-OP ATMs nationwide for members; Credit union structure means member-owned with profits directed back to members rather than external shareholders; 24/7 mobile banking app and digital services for account access and bill payment. Areas to consider: Membership eligibility requirements likely restrict access (typical for credit unions); Website lacks listed pricing, APR ranges, and specific loan terms for major products.
In the Credit Unions category, comparable providers include Alpine, Beckstrand and Associates, C U P. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
American First Credit Union is profile signals for consumers and small business owners who qualify for membership and seek comprehensive financial services from a member-owned institution with low fees and broad ATM access. The main caveat is that membership eligibility requirements apply, and the website provides minimal transparency on specific rates, terms, and approval criteria—requiring direct contact to the institution for detailed information.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-03-24
Alpine Credit Union is a member-owned financial cooperative serving Utah with comprehensive banking, lending, and investment services across six local branches.
Profile signals: Utah residents seeking community-based banking with physical branch access and personalized service, Small business owners needing integrated business banking, payment processing, and lending relationships
CUScore is a free directory and comparison tool for finding federally insured credit unions across America, featuring NCUA financial data, health scores, and branch locations for 4,374 institutions.
Profile signals: Consumers researching credit union options and comparing institutions before membership application, First-time credit union members seeking to understand differences between credit unions and traditional banks
CUP Federal Credit Union is a membership-based financial institution serving employees and families of the Bureau of Reclamation and affiliated water districts in Provo, Utah.
Profile signals: Bureau of Reclamation employees seeking rate claims to verify within their employee credit union, Families of eligible federal water district workers wanting member-owned banking benefits
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