Online Banking & Account Login

America First Credit Union

One of the ten largest credit unions in the United States.

America First Credit Union was founded in 1939 and has grown into one of the ten largest credit unions in the US with $20B+ in assets and 1.3M+ members. Serving Utah, Nevada, Idaho, and Arizona, America First delivers personal banking, auto loans, home mortgages, and business banking — all with the rates and member-first service only a credit union can offer.

Online Banking Member Login
1939Founded
$20B+Assets
1.3M+Members
130+Branches

America First Credit Union — Banking Services

Login to access personal banking, business services, and more — all from one dashboard.

Personal Banking

Checking and savings accounts with competitive dividend rates, no unnecessary fees, and full NCUA insurance for all America First members.

Auto Loans

Consistently among the best auto loan rates in the Mountain West. New, used, and refinance with same-day decisions and no prepayment penalties.

Home Mortgages

Purchase mortgages, refinancing, and home equity products with competitive rates and local underwriting across Utah, Nevada, and beyond.

Visa Credit Cards

America First Visa cards with low APRs, no annual fee, and cash-back rewards — one of the most popular member benefits.

America First Digital Banking

America First Credit Union has invested heavily in digital tools that make banking easier for over 1.3 million members. From a top-rated mobile app to instant transfers and card controls, AFCU digital banking delivers full branch functionality from any device.

Online Banking
Top-Rated Mobile App

The America First CU mobile app is consistently ranked among the best credit union apps — iOS and Android with biometric login, alerts, and full account management.

Zelle & Transfers

Send money instantly via Zelle, transfer between AFCU accounts, or set up external ACH transfers — all from the America First mobile app or online banking.

Mobile Deposit

Deposit checks from anywhere using your phone camera. America First mobile deposit is available 24/7 with same-business-day credit for most members.

Card Controls

Freeze or unfreeze your America First debit or Visa card instantly, set spending limits, and get real-time transaction alerts — all from the app.

About America First Credit Union

America First Credit Union was founded in 1939 and has grown into one of the ten largest credit unions in the United States with $20B+ in assets and 1.3M+ members. America First serves Utah, Nevada, Idaho, and Arizona with personal banking, auto loans, home mortgages, business banking, and award-winning digital banking tools.

  • ✓ Serving customers since 1939
  • ✓ $20B+ in total assets
  • ✓ 1.3M+ members / customers
  • ✓ 130+ branch locations
Online Banking
America First Credit Union

America First Credit Union — FAQ

Common questions about America First CU login and online banking.

Click Member Login or Online Banking on this page. Enter your username/member number and password, then complete two-step verification. New customers can enroll at the official America First CU website.
Use the Member Login or Online Banking buttons on this page to reach the secure America First CU login portal. Once signed in, you can view all your accounts from a single dashboard.
The ABA routing number for America First Credit Union is 324377516. Use it for direct deposit, ACH transfers, wire transfers, and electronic payments from your AFCU account.
Yes. America First Credit Union is federally insured by the NCUA. Member deposits are insured up to $250,000 per depositor. America First uses 256-bit encryption and multi-factor authentication on all digital banking sessions.
America First Credit Union membership is open to individuals who live, work, worship, or attend school in eligible counties in Utah, Nevada, Idaho, and Arizona. Family members of current members also qualify. Membership requires a $1 deposit into a savings account.
America First Credit Union operates 130+ branches across Utah, Nevada, Idaho, and Arizona. Members also have access to a nationwide network of surcharge-free ATMs through the CO-OP network.

What Customers Say

"America First beat every bank in Utah on my auto loan. Applied online, approved in an hour, best rate I found anywhere."

Jason M.
Member, Salt Lake City UT

"Been with America First for 18 years. The rates are always competitive and the app works perfectly. No reason to go anywhere else."

Michelle T.
Member since 2006

"Refinanced my mortgage through AFCU — saved $280 a month. Local team, smooth process, real credit union service."

David R.
Homeowner, Ogden UT

Bank with America First Credit Union

One of America's top 10 credit unions. Competitive rates, 130+ branches, and member-owned banking since 1939.

Online Banking Member Login