Author: Jason Wood

John lund

Remembering

John LundBy John B. Lund, President & Chief Executive Officer

I was recently in a meeting during which our group leader discussed the importance and value of remembering where we came from, those who were a positive influence, and those helping to shape who we are. After some introductory comments, he turned the time over to us, allowing many to share their meaningful memories. It was an especially uplifting and motivational experience to hear heartfelt stories of parents, teachers, coaches, friends, even brief acquaintances and others observed from a distance.

This exercise stirred recollections of my own, some of which I hadn’t thought about for years. It also caused me to ponder the kind of memories I might be intentionally or unintentionally creating for family, friends, co-workers and those around me. I recommitted to being more sensitive with my words and actions, and to have an optimistic outlook.

For me, the process of remembering the positive people, events, and life circumstances leads to deeper gratitude. Several scientific studies have validated that being grateful leads to better health and wellness.

July is a month filled with picnics, barbeques, outdoor fun and a host of celebrations, including Independence Day. Amid these happy occasions, I hope we can also pause to remember the thousands of men and women who sacrificed so much to preserve our freedoms. We are very fortunate to live in a land of opportunity and goodness.

As members of America First, I want you to know that I remember and value the credit union’s mission, which compels us to have the passion and determination necessary to provide personal and business services of superior quality. Our chief concern is the financial well-being of each member. Striving to always keep this purpose in mind generates gratitude for your trust in America First, for your loyalty, and for promoting the credit union to your family and friends.

Thank you very much. We look forward to a lifelong relationship with you and your family.

Stay Connected to Your Finances with Text Alerts

Take financial control with immediate fraud alerts from America First.

Check your phone for free, real-time texts that tell you when a transaction is suspicious. We’ll ask if the purchase was legitimate and you can simply reply with YES or NO.

It’s already set up and provided without a cost to all America First Visa® cardholders. Just look for the sender AFCU FRAUD or the short code 28799 to verify the message—it’s a safe & secure way to monitor your account.

And if you don’t want to receive alerts, just send STOP or CANCEL and we’ll take care of the rest.

These texts are easy, effective and a service we’re glad to provide, because protecting your hard-earned money is our first priority.

Before You Go, Let Us Know

It’s that time of year again: family vacations, weekend getaways, maybe even the trip of a lifetime. And there’s no better way to pay than with your America First Visa® cards.

But before you leave, please inform us so we can guard your resources.

Call 1-800-999-3961 or log in to free online banking, use the other services tab, then look for the Visa traveling form in the bottom-left corner.

Protecting Your Financial Health

When you choose Visa® from America First, you’ll have the best benefits, features & options.

Plus, you’ll get free identity theft recovery services, complete with:

  • Family protection plans
  • Document replacement
  • Dedicated case advocates

To learn more, click here.

Let Us Know Before You Go

It’s that time again—family vacations, outdoor getaways, maybe even the trip of a lifetime. And there’s no better way to pay than with your America First Visa® cards.

But before you leave, please inform us so we can protect your account.

Call 1-800-999-3961 or log in to free online banking to make a travel notification.

You can also visit us here for more information about protecting your finances.

America First and Altier Credit Unions Merge, Forming A Mutually Beneficial Partnership

John LundBy John B. Lund, President and Chief Executive Officer

I am pleased to officially announce the merger of Altier Credit Union of Tempe, Arizona and America First Credit Union. Following much thought and many discussions, it became clear that this partnership was an outstanding match in terms of culture, service ethic and strategy. Under the agreement, America First will be the continuing credit union.

Altier opened in 1947 as the Salt River Valley Water Users Association employee credit union. In 2006, it was re-named Altier and the field of membership expanded to include residents of Maricopa County, Arizona. The credit union enjoys a rich tradition of excellence; the merger’s mutual goal is keeping this legacy in place and building upon it, providing financial services that are second to none.

Altier has five branches in Arizona; three in the greater Phoenix area and one each in Page & St. Johns. These locations will benefit all members living in the state and will provide additional access to our world-class products and exceptional member service.

Other benefits of our cooperative partnership include anytime, anywhere access with free online and mobile banking, free online bill pay, mobile deposits, telephone banking and more. We also offer free checking, free nationwide ATM transactions, free educational seminars, free financial counseling, free credit scores, free document shredding events, as well as many financial calculators and budgeting tools. Additional information is available at americafirst.com or call 1-800-999-3961.

America First was founded in 1939 at Fort Douglas in Salt Lake City, when our membership numbered 59 and our assets stood at $25. We’re proud to have grown and flourished since then, becoming one of the nation’s strongest credit unions with stability, quality, and investment in technology among our top priorities.

Our continuing credit union is well-positioned for a bright, vibrant future and we’ll work diligently to earn your trust and support. Welcome to America First, where we look forward to a lifelong relationship with you and your family.

Volunteers Ensure Value is Delivered to the Members of America First Credit Union

John LundBy John B. Lund, President & CEO

On April 17, America First Credit Union held our 79th Annual Meeting. It is a privilege to be associated with a member-owned cooperative that has endured and thrived for nearly eight decades by assisting families and businesses in achieving financial well-being.

Certainly, one reason for this longevity is our unique structure and leadership. We are fortunate to have a volunteer Board of Directors, comprised of individuals who serve without compensation to ensure that we deliver relevant products and services in a convenient, professional manner; that we help simplify your busy lives; and that we provide ways for you to keep more of your hard-earned money.

At this year’s meeting, Lyle B. Adams, Cathy Person, and John D. Spease were nominated and approved to serve three-year terms on our Board, joining Barney B. Chapman, Linda K. Carver, Gil A. Miller, Kenlon W. Reeve, Michael R. Roden and James G Wendler.

It was also an appropriate opportunity to honor and pay tribute to retiring board members Joy Jex and Ed Cline, who served America First for 39 and 41 years, respectively. Our organization is certainly indebted to their expertise and commitment.

We additionally owe a great deal of gratitude to the volunteers on the Loan Review and Supervisory Committees. The Loan Review Committee allows members the opportunity to request appeals of lending decisions. The committee and members then work together to find beneficial solutions.

The Supervisory Committee offers operational and regulatory oversight, joining senior management and our internal audit department staff to keep the credit union on strong financial footing, with sound policies and procedures.

In his meeting remarks, Chairman Wendler ably summarized our mission at America First: “No matter the area of endeavor, our core values guide how we operate. For this credit union, how we do business is as important as the business we do. We believe in putting the financial well-being of the members first. Whatever the means of access, we are here to serve you.â€

It was my pleasure to report that, by every measure, 2017 was an outstanding year for America First. Our member engagement and service scores are among the very best in the nation. Our federal regulator and outside audit firm provided positive feedback regarding our operation, strategy and financial strength. Money Magazine named America First the best financial institution in Utah. While we are considered a large and complex credit union, our people, systems and philosophy remain personal, approachable and accessible.

On behalf of our volunteers and staff, I express my sincere thanks for choosing America First. We are committed to seeking a lifelong relationship with you and your family.

Take Control of Your Finances

We all want to improve & maintain our financial health. And with America First membership, you can use the following free services to accomplish that goal:

  • FICO® Scores—check your credit at any time using free online banking
  • Money manager—a convenient tool that tracks spending & saving in one place, even listing accounts at other institutions
  • Account e-alerts—custom notifications regarding transactions
  • Card Guard®—turn your Visa® on and off with this mobile app

No matter what objectives are, let America First help you achieve them. Get started today.

Now Is the Best Time to Benefit from America First Home Loans

With interest rates set to rise, now’s the perfect time to build, buy or refinance your home with America First.

  • Competitive options
  • Flexible terms & schedules
  • All your financial solutions under one roof

Build—with quick & easy financing, you can create the perfect home at your preferred price.

  • Customized to your needs
  • Discounts for bundling construction/home loans
  • Simple & convenient draw process

Buy—when you find your dream home, get hassle-free lending from a financial institution you trust.

  • Perfect for move-in-ready properties
  • Options with no closing costs
  • Step-by-step notifications

Refi—enjoy lower monthly payments while freeing up some extra funds.

  • Fixed rates available
  • Options with no closing costs
  • Flexible terms up to 15 years

Apply today.

Security: Spring Cleaning

It’s the season to de-clutter, upgrade technologies and streamline security—a spring-cleaning project for your digital life. To follow are some tips for getting it done:

  • Go through your computer & devices, discard old files and empty the recycle bin.
  • Organize your media in labeled folders.
  • Uninstall programs you don’t use to speed things up and bock malware potential.
  • Reinstall your operating system.
  • Back up important data.
  • Update security software, including antivirus, anti-spyware and anti-phishing programs.
  • Set up a firewall—major search engines can tell you how.
  • Sort through your email and toss out messages that aren’t relevant.
  • And finally, visit us here to learn more about protecting your information and financial resources.