Credit union · NCUA insured
American First Credit Union
A $1.3B credit union, the 378th largest of 4,329, headquartered in Brea, CA, with 50,550 members and 5 branches in California. Best rates: CDs 1.50% and savings 0.15% APY.
American First Credit Union Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#118 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About American First Credit Union
Established in 1952 as a member-owned credit union for grocery store workers, American First Credit Union offers banking solutions for total financial wellness.
The credit union serves Orange, Riverside, and San Bernardino counties plus 14 surrounding cities, partnering with over 100 companies and extending membership through community groups.
- Headquarters
- 6 Pointe Dr Ste 400, Brea, CA 92821-6322
- NCUA charter
- 68485
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals and small businesses in Orange, Riverside, and San Bernardino counties, as well as 14 surrounding cities.
Employers and groups
- Membership is extended to employees of over 100 partner companies.
Other ways
- Membership is extended through other community groups.
Branches
5 branches in California
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California
5 branches
Los Angeles area · 4
- BreaMain office6 Pointe Dr Ste 400, Brea, CA 92821Directions
- Buena Park6011 Lincoln Ave Ste B, Buena Park, CA 90620Directions
- Fullerton4180 N Harbor Blvd Ste A, Fullerton, CA 92835Directions
- Orange247 E Katella Ave, Orange, CA 92867Directions
Riverside area · 1
- Eastvale6102 Orbis Way Ste 550, Eastvale, CA 92880Directions
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 | 10.09% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.16% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.84% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalNet worth ratio10.09%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.16%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.84%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$99Peers’ 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 American 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.