America First Credit Union Avis 

Listen to people when they tell you they’re the worst now, they’re not lying.
Some of their customer service employees need to have their calls checked and be fired for their behavior as well.

The worst credit union I’ve ever worked with! Be prepared to be on hold for 45min+ any day - and their phone system is AI based so you can’t get through.

I bought my car from my mom last year. For the last 5 months, I’ve been trying to get title documents to be able to take to the DMV to get the car in my name at the state level. America First employee (Ben) called me 2 weeks ago stating he was sending the paperwork to a court house and I would need to go there to pick it up. I then went to pick it up, and the court house stated they didn’t have anything. I checked the tracking link of the shipment and it looked like it was actually sent to the DMV. In the process of waiting at the DMV for 2hrs, I called the title department and spoke with a Heather who was completely rude. She argued with me for 10min stating the tracking link stated it was delivered to the Court House - not the DMV even though I was sitting in front of the woman at the DMV saying that they didn’t know where the documents were shipped. I finally hung up on Heather as she continued to talk over me and offered no help. I work in customer service, and it was probably one of the worst examples of customer service I’ve ever encountered. Finally, the DMV lady (after two hours) tracked down that the paperwork was in fact sent to them and not the court house. To make it even better - the DMV lady also confirmed the credit union didn’t list the sales purchase price on the back of the title so now they have to get that resolved.

All in all, DO not work with this credit company. It’s not worth your energy!

have been with America First for over 20 years. The first 15 years were great, but now they are terrible. Member service has drastically declined. They are either rude or do not read or listen to what is said. I applied for a car loan, and they wanted a 3% higher interest rate than all the other credit unions I applied to. My home equity is at an outrageous rate, which makes it hard to pay off. And today... Oh, today. They took out double charges for everything that went through. I feel sorry for those who have less money than I do, and I am not rich, but I just imagine this morning was difficult for them. I am done!

Oh and dear AFCU, don't reply with fake feedback, claiming you care about our members, etc. You know you don't. You used to, but you don't now. How many more sports arenas do you need?

Hello,

I will not go in detail what has accrued with your Losey bank.
Yesterday, my wife tried to purchase a oven from Home Depot for $1,886.78. The transaction was declined. I called AFCU (last credit union), and I spent over one hour waiting in queue for a representative to answer. Then she spent another 15 minutes interrogating me with her stupid and endless verification answers. Finally, after this inquisition, I was told that amount was high and I was blocked. She removed the block and advised me to go back to Home Depot and run that transaction again.
Today, I just did that. Once again, my transaction was declined. I called the horrible AFCU and waited for almost an hour, then transferred to another representative and a long wait and the lady refused to cancel my credit card. She wanted to drill me for a whole list of questions, just to proceed. I give up on this rotten bank. Bad service, bad customer service and a piss poor CEO.
Cut up my credit card and away with America last credit untion.

Costumer service is at best is poor. I went to the Millcreek branch to have a “Medallion Signature Guarantee”. They indicated that they couldn't do a “Medallion Signature Guarantee” and they sent me (after waiting/wasting the first half hour with no one in front of me in the queue) to the South Salt Lake branch. I waited there for an hour. Over 6 people came and left after I was there. They were all helped and left. Finally, someone started to help me; however, it wasn't the person who could do the “Medallion Signature Guarantee”. At the same time, they said that this was an incomplete document and I couldn’t get a “Medallion Signature Guarantee”. What a waist time! America First has poor costumer service (I would rate as a ZERO if I could).

If I could give zero stars I would. My husband and I have a joint account, but they only let one of us be able to view the account through the app on our phone. Moreover, the account could say there's $280 after pending charges. But after it all posts, the account goes negative. EVEN THOUGH nothing is different. When we ask the bank about it, they're just like "Oh yeah. That happens sometimes. It's normal. The pending amount isn't exact." Oh yeah? Well, I think America First has someone in the basement fudging numbers to steal money from its members. Stay away at all costs.

We had a camper through them for 3 years. They kept raising our monthly payments. My husband tried to talk to them they refused to talk to him about it. We had tried to contact them because they kept screwing up our auto pay. We ended up 2 months behind. They claimed we didn't communicate but they called my husband, who is a log truck driver, while he had no service. They never answered the calls from him. They called from sketchy numbers, they were rude. They repoed our camper on Friday and told us we had to pay the entire amount to get it back. They refused to work with us. They were unprofessional, rude. I would want anyone who might think of doing business with them to be aware of how shady and sketchy they are. I worked at a bank myself and everything they did was not legal. We received zero notification of them repossession our camper. No warnings just rudeness. They are there for themselves not the customers.

I used to think this was a good bank, and I felt safe with them. However, that is no longer the case. Their fraud protection is terrible. I did everything I was supposed to do, but they did nothing to help me. The representatives were rude and condescending. They claimed my case was denied because the information matched mine, but of course it did— it was my credit card that was compromised! If they took the time to do some research they would have seen my last name was spelled wrong. Now I’m stuck paying for the fraud.
I even filed a police report and tried to contact the merchant, but this bank has been utterly useless. In the end, they will lose my business, as my entire family is leaving this bank, and that's a significant amount of money moving elsewhere. They cannot stand by their fraud protection or support their customers.
I will spend every day writing reviews and posting on social media to make sure everyone else knows as well.

I got an HELOC with them 5 years ago when interest rates were ~3%. I was thinking of using it now for a renovation, and they said the interest rate is variable. Which is fine. They said it's based on current variable rates. Ok, in my mind I thought 6-8%, to give them a bit of a premium (they gotta make money after all).

Keep in mind that an HELOC is an asset-backed line of credit so rates should be similar to mortgage rates since the underlying collateral is the same. Maybe a little higher since the HELOC is a senior tranche of debt (it's not a first lien on the house, the mortgage is so a bit more risky)

Well, guess what? They charge 1.25% interest PER MONTH!!!!!! That's an effective 16% interest rate per year. Are they nuts??? Some credit cards charge less, lol.

Why do they charge a rate similar to credit cards for a line of credit that has my freaking house as collateral??????????

I'll never use them. Not now, not ever.

I will NEVER use America First Credit Union again. Their practices are completely unreliable and dishonest. I was lied to multiple times by different representatives, given conflicting information, and left in the dark when it mattered most. They clearly do not value their members or operate with any integrity. If you're looking for a trustworthy financial institution—keep looking. This place is a nightmare.

I started an account with America first I deposited my work check and my apartment deposit, they told me max five day hold, they still haven't released my money it's been close to three weeks now, if you live pay check to pay check, do not use this bank, i regret opening an account there, soon as my money clears I'm switching banks, never putting any money in this dishonest place ever, beware this place will take it money and keep it they won't care about ur bills food children, you've been warned

Avoid America First Credit Union – Dishonest, Incompetent, and Unethical
In October 2024, we applied for a mortgage with America First Credit Union (AFCU). By December, we received loan approval and were given authorization to provide a deposit and sign a letter of intent with our contractor to begin engineering on our new home build. We moved forward in good faith, trusting AFCU’s commitment.
However, on February 20, 2025, after weeks of zero communication from our loan officer, we contacted AFCU for an update. We were shocked to learn from a mortgage department representative that our loan officer had been fired for incompetence. Wanting clarity, we reached out to him directly—only to discover that he had not been fired but instead laid off along with 30+ employees as part of a department-wide downsizing. To this day, he remains gainfully employed at another financial institution.
Following his departure, AFCU reversed our loan approval, forcing us to reapply—only to increase our interest rate from 7.375% to 9.5%. Our attorney has seen financial institutions use this tactic to deliberately disqualify borrowers from securing loans.
Major Data Breach – Negligence at Its Worst
Adding to their incompetence and complete disregard for our privacy, AFCU mailed our entire loan application via USPS in unsealed envelopes. This exposed highly sensitive personal data, including:
• Full names
• Date of birth
• Social Security numbers
• Home address & phone numbers
• Account numbers & balances
Anyone handling our mail could have accessed this confidential information, putting us at serious risk of identity theft and fraud.
Zero Accountability & Financial Harm
Due to AFCU’s dishonesty and negligence, we requested a refund of our deposit with the contractor, as their failures directly caused this financial and emotional distress. After three weeks of silence, AFCU finally responded—denying any refund or compensation.
From February 20, 2025, until today, AFCU has strung us along, leaving us in financial limbo as we scrambled to secure funding elsewhere. Instead of helping their members, they seem more focused on sports sponsorships than on ethical banking and customer service.
Final Warning – Stay Away from AFCU
We left a “big bank” after 40 years, believing a credit union would prioritize its members’ best interests. We were wrong. AFCU has severely impacted us financially, breached our trust, and caused unnecessary stress and suffering.
⚠️ BE WARNED: AFCU operates with dishonesty, incompetence, and a total lack of ethics. ⚠️
Avoid this institution at all costs.

takes full advatage of you....
i was a customer with them for 8 years until they pull the big F U to me.
please do not bank with these aweful people. your life will be hell.

AFCU- A.K.A The Mormon Bank

I recently had a frustrating experience with AFCU (America First Credit Union), which I would caution others to avoid.

After purchasing a new vehicle, I needed to pay off my old car loan that was financed through AFCU.

However, when they received the check to pay off the loan, it was $51 short. Instead of contacting me to resolve the issue, they simply returned the check, leaving me in a position where I had to make a car payment to avoid late fees or negative marks on my credit.

Each time I called to inquire about the situation, the customer service was not only unhelpful, but also passive-aggressive, making an already frustrating situation worse.

This lack of communication and poor customer support was disappointing. It felt like I was being punished for something that could have been easily resolved with a quick phone call.

I would strongly recommend looking elsewhere for financing. AFCU seems more interested in exploiting its position than providing good customer service or being transparent about their operations.

While they might call themselves a credit union, their practices feel more aligned with a corporate bank, and I’m skeptical about their ties to the LDS Church.

Whether or not they are directly affiliated, the institution's underlying culture is worth researching if you're considering doing business with them.

In my opinion, you’re much better off securing a pre-approval from a traditional bank when buying a vehicle. Avoiding AFCU could save you both time and frustration.

If I could give negative stars I would. This bank is mega sketchy and abuse customer trust. They do not protect your finances AT ALL. An absolute disaster. American First Credit Union refuses to take responsibility for fraudulent charges, forcing me to go through the FTC and CFPB just to try and recover my money. It's been a complete nightmare trying to resolve these unauthorized transactions. They make you call them, file the claim hesitantly, and then take MONTHS to respond—yes, MONTHS—to your claim, and when they finally do, it’s through snail mail. On top of that, they pulled a hard inquiry on my credit report just to open an account, causing my score to drop. What’s even worse, they don’t provide any way to report issues, and when I tried to reach out to local or regional Utah regulators, there was no help. I’ve never encountered such problems with Wells Fargo or any other big bank, which is why I now understand why larger banks are at least relatively more trustworthy—they actually protect against fraudulent and unauthorized charges. American First Credit Union, on the other hand, is shady, unaccountable, and completely indifferent to the financial security of its customers. They have far too much power and use it to exploit and abuse their clients. Do NOT trust them—this is a predatory, corrupt institution.

Insurance verifcation. I keep sending my insurance documents and they keep threatening to charge $5000 ofr insurance which i already have and sent them. I will never use them again

I had a 8% interest rate on my credit card, now I find out It is now 18% without my knowing. they do not tell you they are going to F you behind your back.

let alone, they give you a gredit increase to your most maxed out cards to gain more money from you, this was also not approved by me. these greedy A**holes deserve hell, hence they are apart of the LDS church.

Matthew 25:35-40

This establishment is HORRIBLE they sebt me an enail saying they will DESTROY my credit for an Error for an overdraft for 10.00 they should be investigated lawbreaking This is an LDS CHURCH CREDIT UNION

Online banking system sucks. I can’t tell you the amount of times it has shown pending charges then 10 min later those charges just disappear while I’ve been allowed to take out money that’s not really there only to be charged overdraft fees after. They are a total MESS!! Nothing is ever up to date, their ATMs are constantly out of service and their customer service is far below expectations. Can’t wait to find a new bank.

I got scammed for 4000 dollars i filed complaints topped the card the whole 9 everything they reviewed for a week whole time was put over 500 in hole beyond what they stole. When I had 25$ max limit for any reason my account would not go past they chose to let it Then sent a letter would even talk to me the let people take 71.29 139x then 17.12 7x then 106.99 9x i put a stop of my own after 1 st day of seeing they weren't stopping and they still let them take more.