America First Credit UnionReviews of americafirst.com

We have banked with AFFCU for over 20 years now. It's not what it used to be! Although this credit union is the best in the area it still has its shortcomings. New fees have been implemented and our money is not as available as it used to be. We have a cap of $500 cash that can be taken out monthly. If you have medication or other items that need to be paid for with cash this is a HORRIBLE problem!! The credit union's assets are recorded as $14,411,237,777 while its Liabilities are $13,167,464,788 (per their website). Total member equity is $1,243,772,989. So they are showing their liability to their customers but only have a fraction of that available at any given time. I would suggest reading up on what happened to our banking system during the Pan.. and what happened to the FDIC insurance. It used to be that a banking facility needed to have 10% cash reserves for its customers and could invest the other 90%. Apparently, that has changed and financial institutions can use up to 100% of your money to make investments. I don't know if AFFCU is doing this or not, but I do know OUR money has not been available all the times we've needed it to be and things are getting worse.

The name of this company should be America's LAST credit union. We have a vehicle financed with this company (not by our choice), when my husband called to inquire about making extra payments or payments more than what is due he was told anything extra paid is directed towards principal (mind you every time we have called it's been over a 20-30min wait time). Well, what they said and what they are doing is two different things, what they are doing is taking all the extra money we have been paying and applying it to the interest, not the principal. When he called today, after another 20+min wait time, he was told because he pays more than what is due and sends in extra payments it's automatically applied to interest. When he attempted to explain that is not what he was told by a different representative, the one representative on the phone, rudely interrupted him from speaking and asked him, "Is there anything else I can do for?" What a crock...we are now going to be re-financing our loan with a different company who does things right and applies any additional money paid towards a loan to principal, not interest, a company that doesn't steal our money.

Used their service for quite a while, but can never get approved for anything. Fixed my credit and everything I work hard and have been employed for over 15 years.

was a GREAT credit union - now it is a too big machine only call them during business hours and wait one to two hours for help and make sure crooks only work 9 to 5 or else you are in for trouble

I say this we have been banking with this company for over 5 years with no complaints at all ! Checking , saving , CD ...... i also closed my HSA to rollover with America First , No fees , good interest ( comparing to other companies ) Thank you

This has been the most unbelievably awful experience ever for a business account. I trusted good reviews and went with an account here and OMG what a nightmare. Every representative I speak with gives me inaccurate information about key issues and features. They will not tell you that you can't transfer money out from a business account (what?), link external accounts (what?), wire funds out without going into the branch - they will tell you you can mail a form, but in fact that's not true). There's no Zelle either. You will wait forever for a PIN that must be mailed. In fact, EVERYTHING must be snail-mailed or obtained in person inside a branch. You can't make an appointment, either, because you cannot reach an individual branch since there's no phone or email to do so other than a 1-800 number no one answers. If you DO get a response to a call or email question, it is either irrelevant to what you asked or totally incorrect information. Basically, they've been sitting on a huge amount of funds wired in by my clients that I cannot get out. Nice trick! The online business platform is a relic as well. Totally useless. The only thing I will say positive about this place is that the reps are nice on the phone, just too bad they have no training. I can't close this account fast enough.

They have been amazing with me so far I have no complaints they’ve walked me through everything I have that understood and they’re very patient which is amazing because I am not that type so good for them

couldn't have chosen a better bank. straight up with everything no hidden crap like all these other banks.