Credit union · NCUA insured
America First Credit Union
Top CarrotA $24.7B credit union, the 7th largest of 4,329, headquartered in Riverdale, UT, with 1.55 million members and 116 branches in 6 states. Best rates: CDs 4.60% and savings 3.95% APY.
America First Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 43 in Salt Lake City, UT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About America First Credit Union
Founded in 1939 as Fort Douglas Civilian Employees Credit Union in Salt Lake City, Utah, America First Credit Union converted to a community charter covering all 29 Utah counties in 1984.
Headquartered in Ogden, Utah, America First Credit Union expanded its reach with Greater Nevada Credit Union operating as a division.
- Headquarters
- 4774 S 1300 W Bldg 3, Riverdale, UT 84405-3621
- NCUA charter
- 24694
Branches
116 branches in 6 states
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Utah
87 branches
Salt Lake City area · 29
- Draper520 E 12300 S, Draper, UT 84020Directions
- Draper 13800 South13866 S Bangerter Parkway, Draper, UT 84020Directions
- Herriman5438 W 13400 S, Herriman, UT 84096Directions
- Kearns5219 S 4015 W, Kearns, UT 84118Directions
- Kearns Harmons4874 W 6200 S, Kearns, UT 84118Directions
- Sandy Harmons7755 S 700 E, Midvale, UT 84047Directions
- Holladay Millcreek4519 S 1300 E, Millcreek, UT 84117Directions
- Murray Macey's5632 S 900 E, Murray, UT 84121Directions
- Riverton3583 W 12600 S, Riverton, UT 84065Directions
- City Creek60 E South Temple Ste 185, Salt Lake City, UT 84111Directions
- Cottonwood6924 S 2300 E, Salt Lake City, UT 84121Directions
- Salt Lake Brickyard Plaza3190 S Richmond St, Salt Lake City, UT 84106Directions
- Salt Lake Foothill Dan's1360 S Foothill Dr, Salt Lake City, UT 84108Directions
- Salt Lake Hope Ave Walmart350 W Hope Ave, Salt Lake City, UT 84115Directions
- Salt Lake Metro455 E 500 S, Salt Lake City, UT 84111Directions
- Salt Lake Pioneer Road1799 S Pioneer Rd, Salt Lake City, UT 84104Directions
- Sandy9380 S State St, Sandy, UT 84070Directions
- Sandy 2100 East2104 E 9400 S, Sandy, UT 84093Directions
- South Jordan10767 S Redwood Rd, South Jordan, UT 84095Directions
- South Jordan 10400 South10427 S River Heights Dr, South Jordan, UT 84095Directions
- South Salt Lake3499 S State St, South Salt Lake, UT 84115Directions
- Taylorsville2715 W 5400 S, Taylorsville, UT 84129Directions
- Taylorsville Walmart5469 S Redwood Rd, Taylorsville, UT 84123Directions
- Tooele Macey's972 N Main St, Tooele, UT 84074Directions
- West Jordan7451 S Campus View Dr, West Jordan, UT 84084Directions
- West Jordan Smith's1820 W 9000 S, West Jordan, UT 84088Directions
- West Valley 41005568 W 4100 S, West Valley, UT 84120Directions
- West Valley 5000 West4976 W 3500 S, West Valley, UT 84120Directions
- West Valley 35003253 W 3500 S, West Valley City, UT 84119Directions
Ogden area · 28
- Bountiful48 N 500 W, Bountiful, UT 84010Directions
- Bountiful Dick's Market2280 S Orchard Dr, Bountiful, UT 84010Directions
- Centerville451 W Parrish Ln, Centerville, UT 84014Directions
- Clearfield 1700 South756 W 1700 S, Clearfield, UT 84015Directions
- Clearfield Main Street350 N Main St, Clearfield, UT 84015Directions
- Clinton1724 N 2000 W, Clinton, UT 84015Directions
- Farmington Harmons200 N Station Pkwy, Farmington, UT 84025Directions
- HAFB Community CenterBuilding 431, Hill Air Force Base, UT 84056Directions
- HAFB East AreaBuilding 230, Hill Air Force Base, UT 84056Directions
- HAFB West AreaBuilding 1235, Hill Air Force Base, UT 84056Directions
- Kaysville1302 W 200 N, Kaysville, UT 84037Directions
- Kaysville Bowman's326 N Main St, Kaysville, UT 84037Directions
- Layton Fort Lane172 N Fort Ln, Layton, UT 84041Directions
- Layton Heritage425 Heritage Park Blvd, Layton, UT 84041Directions
- North Ogden2575 N 400 E, North Ogden, UT 84414Directions
- North Ogden Lee's Market2645 N 400 E, North Ogden, UT 84414Directions
- North Salt Lake Lee's725 N Redwood Rd, North Salt Lake, UT 84054Directions
- Harrisville358 N Harrisville Rd, Ogden, UT 84404Directions
- Marriott/Slaterville 12th Street1263 W 12th St, Ogden, UT 84404Directions
- Ogden 20th Street1979 Washington Blvd, Ogden, UT 84401Directions
- Ogden Harrison4768 Harrison Blvd, Ogden, UT 84403Directions
- Ogden Main3650 Wall Ave, Ogden, UT 84405Directions
- Plain City2336 N 4350 W, Plain City, UT 84404Directions
- Plain City Kent's3673 W 2600 N, Plain City, UT 84404Directions
- Roy5662 S 2050 W, Roy, UT 84067Directions
- Roy Harmons5370 S 1900 W, Roy, UT 84067Directions
- Roy Kent's Marketplace3535 W 5600 S, Roy, UT 84067Directions
- West Point Smith's217 N 2000 W, West Point, UT 84015Directions
Provo area · 14
- American Fork611 W Pacific Dr, American Fork, UT 84003Directions
- Eagle Mountain4195 N Pony Express Pkwy, Eagle Mountain, UT 84005Directions
- Lehi1238 East Timpanogos Highway, Lehi, UT 84043Directions
- Nephi Nebo Market965 N Main St, Nephi, UT 84648Directions
- Orem1356 S Main St, Orem, UT 84058Directions
- Orem Harmons868 E 800 N, Orem, UT 84097Directions
- Payson967 S Turf Farm Rd, Payson, UT 84651Directions
- Pleasant Grove Macey's931 W State Rd, Pleasant Grove, UT 84062Directions
- Provo1476 N Freedom Blvd, Provo, UT 84604Directions
- Santaquin57 W Main St, Santaquin, UT 84655Directions
- Saratoga Springs1420 N Commerce Dr, Saratoga Springs, UT 84045Directions
- Spanish Fork Canyon Creek1353 N Canyon Creek Pkwy, Spanish Fork, UT 84660Directions
- Springville Walmart660 S 1750 W, Springville, UT 84663Directions
- Vineyard758 E Mill Rd, Vineyard, UT 84059Directions
St. George area · 7
- Hurricane Walmart180 N 3400 W, Hurricane, UT 84737Directions
- Santa Clara Harmons3520 Pioneer Pkwy, Santa Clara, UT 84765Directions
- Desert Color Branch925 W Black Mountain Dr, St. George, UT 84790Directions
- St. George1564 W Sunset Blvd, St. George, UT 84770Directions
- St. George Harmons1189 E 700 S, St. George, UT 84790Directions
- St. George Red Cliffs2722 Red Cliffs Dr, St. George, UT 84790Directions
- Washington Fields Lin's2928 East Mall Drive, St. George, UT 84790Directions
Logan area · 4
- Hyrum Ridley's780 E Main St, Hyrum, UT 84319Directions
- Logan127 E 1400 N, Logan, UT 84341Directions
- Providence Macey's50 N Highway 165, Providence, UT 84332Directions
- Smithfield Lee's Market850 S Main St, Smithfield, UT 84335Directions
Brigham City area · 2
- Brigham City1124 S 450 W, Brigham City, UT 84302Directions
- Brigham City Kent's260 N Main St, Brigham City, UT 84302Directions
Heber area · 2
- Heber271 W 1300 S, Heber City, UT 84032Directions
- The Market at Park City1500 Snow Creek Dr, Park City, UT 84060Directions
Cedar City area · 1
- Cedar City Lin's150 N Main St, Cedar City, UT 84720Directions
Nevada
18 branches
Las Vegas area · 15
- Henderson370 N Stephanie St, Henderson, NV 89014Directions
- Horizon10608 S Eastern Ave, Suite D and E, Henderson, NV 89052Directions
- Las Vegas Downtown Summerlin10965 Lavender Hill Dr Ste 190, Las Vegas, NV 89135Directions
- Las Vegas Durango6090 S Durango Dr, Las Vegas, NV 89113Directions
- Las Vegas Montecito Smith's7130 N Durango Dr, Las Vegas, NV 89149Directions
- Las Vegas Rainbow1400 S Rainbow Blvd, Las Vegas, NV 89146Directions
- Las Vegas Renaissance3310 E Flamingo Rd, Las Vegas, NV 89121Directions
- Las Vegas Silverado9690 S Maryland Pkwy, Las Vegas, NV 89123Directions
- Las Vegas Tenaya2699 N Tenaya Way, Las Vegas, NV 89128Directions
- Las Vegas UNLV4700 S Maryland Pkwy Ste 100, Las Vegas, NV 89119Directions
- Mesquite590 W Mesquite Blvd, Mesquite, NV 89027Directions
- Mesquite Walmart1120 W Pioneer Blvd, Mesquite, NV 89027Directions
- Las Vegas Craig Road1225 W Craig Rd, North Las Vegas, NV 89032Directions
- Las Vegas Shadow Creek Smith's2255 E Centennial Pkwy, North Las Vegas, NV 89081Directions
- Overton230 Moapa Valley Blvd, Overton, NV 89040Directions
Caliente area · 1
- Caliente840 Front St, Caliente, NV 89008Directions
Gardnerville Ranchos area · 1
- Carson City956 Topsy Ln Ste 101, Carson City, NV 89705Directions
Reno area · 1
- Sparks1440 E Lincoln Way, Sparks, NV 89434Directions
Arizona
7 branches
Phoenix area · 5
- Goodyear15725 W McDowell Rd, Goodyear, AZ 85395Directions
- Mesa Baseline4354 E Baseline Rd, Mesa, AZ 85206Directions
- Mesa Gateway6846 E Warner Rd, Mesa, AZ 85212Directions
- Queen Creek22335 E Queen Creek Rd, Queen Creek, AZ 85142Directions
- Tempe1511 N Project Dr, Tempe, AZ 85288Directions
Flagstaff area · 1
- Page449 Haul Road, Page, AZ 86040Directions
St. Johns area · 1
- St. Johns520 West Cleveland St., St. Johns, AZ 85936Directions
Idaho
2 branches
Boise City area · 1
- Boise Office11292 W Fairview Ave, Boise, ID 83713Directions
Rexburg area · 1
- Rexburg510 N 2nd E, Suite 3, Rexburg, ID 83440Directions
California
1 branch
- San Bernardino401 W 2nd St, San Bernardino, CA 92401Directions
New Mexico
1 branch
- Albuquerque3400 NM-528 NW, Ste 103, Ste 103A, Albuquerque, NM 87114Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.80% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.45% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.79% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $81 | $88 | — |
- CapitalNet worth ratio11.80%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.45%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.79%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$81Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of America First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.