America First Credit Union

About Credit Union

We were founded on March 16, 1939 at the Hotel Newhouse in Salt Lake City, Utah. Among the 59 who attended the charter meeting of what was then the Fort Douglas Civilian Employees Credit Union was R.D. (Ray) Hagen, a volunteer who eventually became our first full-time employee (treasurer/manager) and later president and Chief Executive Officer (CEO). The credit union was established in a small office housed in Fort Douglas' Building 207, with service hours on Fridays only from 3:30 to 4 p.m. A Prince Albert tobacco can was used to hold all cash deposits at the time; total assets and membership were $788 and 79, respectively.

A unique characteristic of America First is that, in 78 years, the credit union has had just four Presidents/CEOs: the aforementioned Ray Hagen, James (Jim) Dawson, Olin (Rick) Craig, and John B. Lund.

America First's mission of service is not limited to helping people develop and maintain financial well-being. In fact, it emanates throughout the community. Our employee volunteer program, the Greater Good, offers a planned, managed framework that motivates our staff to effectively donate time and resources to the communities where they live. Other philanthropic activities we engage in are mentoring students at Lakeview Elementary School in Roy, Utah, encouraging children to excel, achieve and succeed; and fundraising for the Community Assistance Program (CAP), which benefits organizations working to end homelessness and assist the impoverished, including the Ogden Rescue Mission, St. Anne's Shelter, Catholic Community Services, the Cathedral of the Madeleine, Christmas Box International, the Assistance League of Salt Lake, the SHARE food bank in Ogden, and Safe Nest in Las Vegas, Nevada.

America First Credit Union is dedicated to creating lifetime memberships with those served.


Credit Union Services

Our mission is to provide personal financial services of a superior quality to the members/owners; our chief concern being their financial well-being.

We desire to be the primary financial institution of our members. We will use automation and technology to support a highly trained group of volunteers and staff.

Professional managers will be accountable for the quality of service and will be given sufficient flexibility in implementing policy to ensure that the member perceives the highest degree of excellence in every contact.

Professional marketing will provide aggressive programs to sustain and increase growth. We will seek our growth both from new members and by serving the financial needs of present members in a more complete manner. We will not sacrifice quality of present services to seek growth.

In order to provide quality member services, the credit union must remain financially sound and secure. Adequate operating controls, capital reserves and liquidity will be maintained at all times.

We will be sales oriented in our approach to members, and traditional credit union philosophy will remain our guiding principle. Among financial institutions, this credit union is a unique organization with deep and abiding human values. Our goal is to maintain those qualities.

America First Credit Union provide next services:



Call 1-800-999-3961 and we'll be happy to answer any questions you might have about your America First membership.



Open until 8 p.m. MT*


We'll be quick to respond


  • Where is america first credit union login page?

Simply login to AFCU online banking access account services, deposit checks online, and customize alerts and settings.

  • What is america first credit union routing number?

The routing number, or ABA, for America First Credit Union is 324377516. This number may be used for a variety of services, including direct deposit, wire transfers, tax purposes, paying utilities & more.


  • America First Credit Union locations

You can find all America First Credit Union branches via online Branch Locator

  • America First Credit Union hours

Monday - Friday 9:00 a.m. to 6:00 p.m.
Saturday 9:00 a.m. to 3:00 p.m.

  • America First Credit Union customer service

CALL US Open until 8 p.m.   1-800-999-3961

Our member service representatives are available by phone from 8 a.m. to 8 p.m. MT, Monday through Friday, and on Saturdays between 8 a.m. and 7 p.m. MT, excluding holidays. We are closed on Sunday.

Please note: Do not send account numbers, inquire about specific account information, or request changes to your account record when corresponding through email or the feedback form. For these purposes, please use the Online Banking messaging system.

  • America First Credit Union phone number


  • America First Credit Union address

PO Box 9199
Ogden, Utah 84409

  • America First Credit Union jobs

America First has an extensive history of having dedicated volunteers perform certain essential functions. This began with field representatives recruiting members during the organization's early years and has evolved into our current Board of Directors, Loan Review Committee, and Supervisory Committee, all made up of member-volunteers.

The Board of Directors is comprised of nine volunteers elected by the membership, each serving three-year terms. As a true democratic representative group -- each member, no matter the size of his or her deposit, has one vote -- the Board of Directors guides the credit union in implementing policy, setting our course, and making decisions regarding products and services that benefit the entire membership.

Elections are held each spring at the America First Annual Meeting in Ogden, Utah. For information regarding eligibility and election procedures, contact Sheryl Cox at (801) 827-8613 or

The Loan Review Committee is appointed by the Board of Directors. Volunteers work with members to assess credit challenges and find solutions. Primarily, the committee reviews denied loans at the request of the applicant. They gather and verify pertinent data relating to the member's financial situation and work as a mid-level appeals body for the Board. No previous lending experience is needed. Contact Sheryl Cox at (801) 827-8613 or for more details or to submit a resume.

The Supervisory Committee is established in accordance with federal regulations and is comprised of five individuals. These committee members are also appointed by the Board of Directors and are charged with the oversight of the audit process. This ensures the safety and soundness of our credit union assets. Previous audit experience is desirable but not required for Supervisory Committee positions.

  • Does America First Credit Union have a notary?

Notary Public Service. All America's First members have access to the services of a licensed notary. For our members' convenience, a notary public is on-site at all branch locations. There is no cost to our members for this service.

  • How do I activate my American first debit card?

Activate a new card: Call 1-800-562-1337 (24 hours a day, seven days a week) from your home phone or 1-843-871-5095 from International locations. Ensure the use of your card before traveling: Contact the Visa Department at 1-800-999-3961.

  • Does America first have mobile deposit?

Anytime, anywhere. With our new Remote Deposit feature, America's First members will be able to deposit checks from their internet enabled smartphone using Mobile Deposit, or from a scanner using Home Deposit.

  • How do I get a new debit card America first?

Activate a new card: Call 1-800-562-1337 (24 hours a day, seven days a week) from your home phone or 1-843-871-5095 from International locations. Ensure the use of your card before traveling: Contact the Visa Department at 1-800-999-3961.