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America First Credit Union

Member-owned credit union offering financial services

Overview

America First Credit Union serves 1.4 million members across Utah, Nevada, Idaho, Arizona, and New Mexico with more than 130 locations, offering financial products and services. Its products are accessed through branches and digital channels, supported by automation and a trained staff to emphasize member well-being and convenient service. It stands apart as a member-owned cooperative focused on high service quality, financial stability, and a values-driven culture, aiming to grow by adding new members and deepening service without sacrificing quality. Its goal is to be the primary financial partner for its members, delivering reliable financial solutions while upholding traditional credit-union principles.

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About America First Credit Union

Simplify's Rating
Why America First Credit Union is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Riverdale, GA

Founded

1939

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Simplify's take

What believers are saying

  • First-half 2026 earnings reached $223 million, up from $155.2 million last year.
  • October 2026 Surprise and Glendale branches deepen America First's Phoenix growth.
  • Point Predictive automation cuts lending paperwork and speeds approvals while reducing fraud losses.

What critics are saying

  • Thayne Shaffer retires March 1, 2027; Missy Key must prove herself immediately.
  • Greater Nevada merger integration starts October 2026 and can distract staff and systems.
  • Hunter and Manson lawsuits expose credit-reporting and lending dispute risks through 2027.

What makes America First Credit Union unique

  • America First is sixth-largest credit union, with 135 branches and 1.6 million members.
  • It pairs branch expansion with affinity cards through Utah Jazz and Golden Knights partnerships.
  • Its member-owned model supports community giving, like October 2026 donations in Surprise, Arizona.

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Company News

Nexstar Media Group
Nov 8th, 2026
'Sport belongs to everyone': $200,000 pledged to Wasatch Adaptive Sports.

'Sport belongs to everyone': $200,000 pledged to Wasatch Adaptive Sports. Posted: Nov 7, 2026 / 07:54 PM MST Updated: Nov 7, 2026 / 07:54 PM MST SALT LAKE CITY, Utah (ABC4) - Wasatch Adaptive Sports announced that America First Credit Union and Miller Sports + Entertainment have committed $200,000 for the expansion of adaptive sports opportunities. The announcement was made at halftime of the Real Salt Lake game against the LA Galaxy at America First Field. Wasatch Adaptive Sports (WAS) says that 97% of their participants are reliant on scholarship support to access adaptive sports programs. The sponsorship targets the financial barriers that prevent individuals from participating in sports. "For us as three groups that believe in sport and know the power of what movement and community means for people, to be able to extend that to the disability community just means so much," said Elizabeth Kimball, Executive Director at WAS. "It's going to really open doors to access and allowing more people to experience what it means to move their bodies," Kimball continued According to the group, approximately one in four Utahns live with a disability. The 14-month partnership works on improving access across various fronts. WAS, American First Credit Union, and Miller Sports + Entertainment will collaborate on engagement events to connect people with adaptive sport opportunities. "We believe sports have the power to create connection, confidence and lasting memories for everyone," said Michelle Smith, president of Miller Sports + Entertainment in a statement. "We're incredibly honored to be a part of making first ski runs, bike rides, and other unforgettable experiences possible for children, veterans and adults who might otherwise miss out," said Tammy Gallegos, Chief Strategic Engagement Officer at America First Credit Union in a statement. The goal is to raise participation by 10% next year in activities such as skiing, cycling, and paddling.

PR Newswire
Oct 29th, 2026
America First Credit Union opens Surprise branch, its second West Valley site this year

America First Credit Union opened a new branch in Surprise, Arizona, on October 19, its second West Valley branch this year after Glendale opened in July. The branch, at 13735 W. Bell Road, offers checking and savings accounts, loans, credit cards, wealth management, and trust and estate planning. It has relaxed seating areas, private offices, and a layout that can host workshops and community events. "Investing in Arizona is an important part of our continued growth," said Thayne Shaffer, president and chief executive officer. At opening events on October 23 and 24, the credit union gave $5,000 each to Dysart Unified School District and St. Mary's Food Bank. America First has more than $27 billion in assets, 135 locations, and 1.6 million members.

America First Credit Union
Oct 28th, 2026
America First Credit Union announces 2026 limited-edition Utah Jazz debit card.

America First Credit Union announces 2026 limited-edition Utah Jazz debit card. October 28, 2026 Home " Press releases " America First Credit Union announces 2026 limited-edition Utah Jazz debit card. New design features the team's purple Jazz note and includes cardholder benefits at Delta Center SALT LAKE CITY (Oct. 28, 2026) - America First Credit Union, the official credit union of the Utah Jazz, today announced its 2026 limited-edition Utah Jazz Visa(R) debit card. The card features a new design and is available at no cost with an America First checking account. The 2026 design places an oversized purple Jazz note across a white background, with a purple reverse side. It is the latest addition to the limited-edition Jazz card series America First has offered since 2021. "The Jazz are part of the identity of this community, and our members' connection to the team is something we're proud to share," said Tammy Gallegos, chief strategic engagement officer at America First Credit Union. "This year's card puts the Jazz note front and center and continues our tradition of giving members a way to represent their team in their everyday lives." The card includes access to benefits at Delta Center and special offers throughout the season: * Entry to the arena 30 minutes before the general public, limited to the first 100 members per game who show their America First Utah Jazz debit card. * 10% off purchases at Summit Snacks, Tenders, Farr's Ice Cream and Dippin' Dots when paying with an America First Visa card through the Utah Jazz app. * 15% off eligible purchases inside the Utah Jazz Team Store when members show and pay with their America First Utah Jazz debit card. * America First Friday offers and invitations to select Delta Center concert and event ticket presales. Members can add the card to the Utah Jazz app for eligible concession purchases. Information about the card and how to request it is available at americafirst.com/jazz. Cards and accounts are subject to membership, eligibility, creditworthiness, change and conditions. Benefits are based on availability and are subject to change. Select items are excluded from the Team Store discount as determined by the Utah Jazz Team Store. ABOUT AMERICA FIRST CREDIT UNION Founded in 1939, America First Credit Union has grown into one of the strongest and most progressive credit unions in the country. It is the sixth largest credit union in the nation with over $27 billion in assets and 135 locations across Arizona, California, Idaho, Nevada, New Mexico, and Utah, serving more than 1.6 million members. America First is a member-owned, not-for-profit cooperative financial institution dedicated to building communities and helping its members do more with their money. Learn more at americafirst.com.

America First Credit Union
Oct 26th, 2026
America First Credit Union grows presence in Greater Phoenix with new Surprise branch.

America First Credit Union grows presence in Greater Phoenix with new Surprise branch. October 26, 2026 Home " Press releases " America First Credit Union grows presence in Greater Phoenix with new Surprise branch. America First Credit Union marked the grand opening of its newest branch in Surprise, Arizona, hosting an official ribbon-cutting ceremony on Friday, Oct. 23, and a community celebration on Saturday, Oct. 24. SURPRISE, Ariz. (Oct. 26, 2026) - America First Credit Union is continuing its expansion in Greater Phoenix with the opening of a new branch in Surprise on Monday, Oct. 19. The new location marks the credit union's second branch to open in the West Valley this year, following the opening of its Glendale branch in July. "We're excited to expand America First's presence in the growing West Valley and make financial services more accessible to members in Surprise," said Thayne Shaffer, president and CEO of America First Credit Union. "Investing in Arizona is an important part of our continued growth, and we look forward to expanding our presence in the state while building lasting relationships with the communities we serve." Located at 13735 W. Bell Road in Surprise, the new branch offers a full range of financial services, including checking and savings accounts, loans, credit cards and other solutions designed to help members meet their financial goals. The opening reflects America First's continued investment in Arizona and its commitment to providing convenient access to financial services for residents of the growing West Valley. Designed with both convenience and connection in mind, the new Surprise branch offers a contemporary banking environment that prioritizes personal interaction and flexibility. Members can meet with team members in relaxed seating areas or use private offices for more in-depth financial conversations. Design details inspired by the surrounding Southwest give the space a local feel, while its adaptable layout can also support educational workshops and community gatherings. To mark the opening, America First hosted a ribbon-cutting ceremony on Friday, Oct. 23, followed by a community event on Oct. 24. Both events brought together community leaders, local partners and members to celebrate the new branch and welcome the Surprise community. Festivities included check presentations of $5,000 each to Dysart Unified School District and St. Mary's Food Bank. The new branch is open from 9 a.m. to 6 p.m. Monday through Friday and 9 a.m. to 3 p.m. Saturdays. For more information about America First Credit Union and its products and services, visit americafirst.com. ABOUT AMERICA FIRST CREDIT UNION Founded in 1939, America First Credit Union has grown into one of the strongest and most progressive credit unions in the country. It is the sixth largest credit union in the nation with over $27 billion in assets and 135 locations across Arizona, California, Idaho, Nevada, New Mexico, and Utah, serving more than 1.6 million members. America First is a member-owned, not-for-profit cooperative financial institution dedicated to building communities and helping its members do more with their money. Learn more at americafirst.com.

KMYU
Oct 19th, 2026
Utah food bank prepares for holiday drive as food insecurity rises.

Utah food bank prepares for holiday drive as food insecurity rises. by Jonathan May, KUTV Mon, October 19, 2026 at 1:41 PM The Utah Food Bank said its need this year is greater than ever as thousands of families struggle to put food on the table. (Photo: KUTV) SALT LAKE CITY (KUTV) - With inflation driving up living costs and the holiday season approaching, community leaders are sounding the alarm about growing food insecurity in the Intermountain West. According to data shared during a recent 2News interview, 445,000 Utahns are facing food insecurity. That figure includes one in five children and marks an increase of nearly 100,000 people compared with last year. "We're reaching out to everyone that we can help to educate, help to get ready for the holidays and really help them find ways that are easy, efficient, and really fun that can help people around them who are struggling with issues around hunger right now," said Ginette Bott of the Utah Food Bank. The Utah Food Bank is teaming up with America First Credit Union for its 23rd annual food drive to address the growing need.

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