America First Credit Union is a member-owned financial cooperative serving individuals and businesses with a broad range of banking and lending services. Headquartered in Utah, it is one of the largest credit unions in the United States and emphasizes community service, competitive rates, and digital convenience. At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services. A federal credit union is a member-owned and controlled, not-for-profit, cooperative financial institution formed to provide its members with affordable and safe financial services. The. Federal Credit Union Act (the Act), as amended, describes the basic structure governing federal credit unions