American United Federal Credit Union is a Utah-based credit union offering personal and business checking, savings, loans, credit cards, and wealth management services to members.
Data compiled from public sources · Rating from CreditDoc methodology
American United Federal Credit Union operates as a member-owned, not-for-profit financial institution serving Utah residents and businesses. As a federal credit union, it is NCUA-insured and regulated as a credit union rather than a traditional bank. org with both personal and business banking divisions.
The credit union provides a comprehensive suite of financial products including personal and business checking accounts (Primary Checking, GoldStar Membership, ATM Checking, Fresh Start Checking), savings vehicles (Primary Savings, Youth Savings, Club Accounts, Money Market, Certificates, IRAs), vehicle financing (auto loans and recreational loans), home lending (mortgage loans and home equity lines of credit), personal loans, and VISA credit card options with rewards or cash back features. Additionally, they offer money services such as wire transfers, cashier's checks, money orders, notary services, and safe deposit boxes. Their insurance and wealth management division includes identity theft protection, life insurance, auto and property insurance, and financial advisor services.
American United distinguishes itself through member-focused programs including a referral bonus program, end-of-year dividends, monthly dividends, youth financial education (MoneyEdu), and specialized offerings like skip-a-payment loan protections and guaranteed asset protection on vehicle loans. They provide free financial checkups, maintain a financial wellness center with learning courses available in English and Spanish, and offer discounted community partnerships (Lagoon tickets, CARFAX reports). The CO-OP Shared Banking network extends their service availability beyond their physical branch locations.
As a credit union, American United operates under the not-for-profit model where members share in profits through dividends rather than external shareholders extracting value. Prospective members should verify membership eligibility and compare rates and fees with other local financial institutions.
Yes. American United is a registered company, headquartered in West Jordan, UT, founded in 1952.
Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.
CreditDoc Diagnosis
American United Federal Credit Union is best for Utah-based individuals and small business owners seeking member-owned banking with dividend participation and comprehensive loan/investment services. The main caveat is the lack of publicly displayed rate and fee information on their website, requiring direct contact with the credit union to compare their specific terms against competitors.
Public data from the Consumer Financial Protection Bureau
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.
Best for: 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
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.
Best for: Individuals seeking lower-cost financial services through member-owned cooperative structure, Consumers needing comprehensive lending products (auto, home, personal) from a single institution
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.
Best for: 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
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to American United and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.