The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (69 → 71), mostly because the earnings component improved by 15 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Utah

Yes. America First Federal Credit Union is a federally insured credit union (NCUA charter #24694). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.8% of shares and deposits ($3.1B) are above the $250,000 NCUA insurance limit, close to the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 11.80%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

America First Federal Credit Union lists 94 offices in 54 cities across 4 states. Most locations:

• Salt Lake City, UT (7)
• Las Vegas, NV (6)
• Ogden, UT (4)
• Riverdale, UT (4)
• Roy, UT (4)
• St George, UT (4)
• Sandy, UT (3)
• Bountiful, UT (2)
• Clearfield, UT (2)
• Henderson, NV (2)
• Hill Air Force Base, UT (2)
• Kaysville, UT (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 531 consumer complaints about AMERICA FIRST FEDERAL CREDIT UNION to the company (239 in the last 12 months). 93.2% received a timely response. That is 23.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, America First Federal Credit Union reported 22,220 home-loan applications under HMDA (LEI 5493007I0X1GRWIU8B34): 15,271 originated ($2,128,065,000 total), 4,765 denied, and 1,046 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

All America First Federal Credit Union card terms

Legal name

America First Federal Credit Union

Type

Federal credit union

NCUA charter #

24694

RSSD ID

277697

Primary regulator

NCUA

Established

1939

Headquarters

4774 South 1300 West, Building # 3, Riverdale, UT 84405

Employees

3,736