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 · Rating from CreditDoc methodology
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
Yes. America First is a registered company, headquartered in Riverdale, UT, founded in 1939.
Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.
CreditDoc Diagnosis
American First Credit Union is best 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
Source: consumerfinance.gov | Last checked 2026-03-24
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