America First Credit Union

America First Credit Union: a credit union with comprehensive financial services

America First Credit Union is a credit union serving its members in Utah, Nevada, Idaho, Arizona, California, and New Mexico. Its offerings span personal and business financial products and services, including savings and checking accounts, loans, mortgages, Visa cards, digital banking, and financial counseling.

Savings and checking accounts

The institution offers a variety of accounts for daily money management and savings. Checking options include Premium, Classic, and Money Market Checking accounts, as well as a Youth Checking account. For savings, it offers Share Savings, Money Market Savings, Wedding Savings, Coverdell Education Savings, Health Savings (HSA) with access to Lively, Charitable Memorial, Youth Savings, and Student Savings. It also offers Certificate Accounts in Regular Certificate, IRA Certificate, Bump-Rate Certificate, Dedicated Savings, Flexible Certificate, and Ladder Certificate options.

Vehicle and personal loans

The credit union finances the purchase of automobiles, recreational vehicles (RVs), powersports vehicles, motorcycles, ATVs and four-wheelers, boats and watercraft, side-by-sides and UTVs, and snowmobiles. It also offers certificate-secured personal loans, debt consolidation, lines of credit, and share-secured loans. For those who already have a loan, it facilitates online payments and the option to enroll in the Skip-A-Payment program.

Mortgages and home equity loans

In the mortgage area, America First Credit Union provides home, construction, and lot loans, renovation loans, first-time homebuyer loans, refinancing, and reverse mortgages. It also offers home equity lines of credit (HELOC) and home equity loans for investment property, including a no-closing-cost first mortgage option. The institution publishes rates for auto, RV, motorcycle, boat, off-road, mortgage, and line of credit loans, and offers online calculators to estimate payments and credits.

Visa cards and rewards programs

The Visa card lineup includes Signature, Platinum, Classic, and Secured credit versions, as well as the Visa RSL. For debit cards, it offers the Visa Debit Card, Fundz Visa Debit Card, RSL Debit Card, Raiders Debit Card, Utah Jazz Debit Card, U of U Debit Card, Mammoth Debit Card, and Salt Lake Bees Debit Card. Cardholders have access to benefits and rewards, the ability to personalize their card with Picture Perfect Card, travel protection, identity theft recovery, and an online rewards store. The credit union also offers exclusive cards for sports teams.

Digital and convenience services

America First Credit Union's digital banking includes online bill pay, FICO score access, online statements, Zelle, a virtual assistant, alerts, mobile wallet, and Card Guard. Members can set up direct deposit, bank transfers, electronic deposits and withdrawals, and use notary services, ATMs, financial counseling, foreign currency exchange, identity theft recovery, and speech access. A video teller service is also offered, along with the ability to switch financial institutions with the credit union's help.

Business services

For the business segment, the credit union offers Basic, Premier, High-Yield, and Non-Profit checking accounts, business savings accounts, business certificates of deposit, and Visa credit and debit cards. For financing, it provides commercial vehicle loans, unsecured lines of credit, commercial loans, commercial real estate loans, Small Business Administration (SBA) loans, equipment and machinery loans, and Turo financing. Services include Merchant Services, Positive Pay, online banking, bill pay, remote deposit, online statements, speech access, business development, ACH Origination, and business planning.

Investments, retirement, and insurance

Through America First Investment Services, the institution offers retirement and wealth planning, traditional and Roth IRAs, and an IRA Accumulator Certificate. It also provides trust services and Medicare planning. In insurance, it offers debt protection, guaranteed asset protection (GAP), and mechanical breakdown protection, as well as general insurance services and proof of insurance submission.

Membership and community commitment

Membership is open through Select Employer Groups and offers military benefits, member deals, discounts, and exclusive pre-sales. The credit union has a charitable foundation, America First Charitable Foundation, and participates in community initiatives such as Community First, Kids First, Education First, and events and sponsorships. Its website includes financial education resources, FAQs, legal disclosures, holiday hours, and news.