Free cupcakes with America First Credit Union

During what has been a hard time for most, a little something sweet can brighten your day.

There is a partnership and event happening on July 31st called Sweet Tooth Friday, between America First Credit Union and the Sweet Tooth Fairy in Orem, Utah.

With what is one of its many efforts, America First Credit Union often looks for opportunities to partner with other business in the community to offer deals to its members.

This Friday, America First members can come into the Sweet Tooth Fairy Orem location, show their America First Visa or Debit Card, and get a free cupcake. If they are out, you can still get a 15% discount on your order.

You can try America First’s signature cupcake: vanilla marble with cream filling, Sweet Tooth Fairy signature frosting, topped with a disc of the America First logo.

If you are not a member, go to AmericaFirst.com or go to one of its locations across the state to find out how to join.

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America the Beautiful

By John B. Lund, President & Chief Executive Officer

I think it is safe to say this has not been the year any of us expected. With everything that has happened, it feels like we have had a decade’s worth of newsworthy and challenging events packed into just the last six months. Almost overnight the threat of COVID-19 transformed our routines, communities, businesses & economy, and permeated so many aspects of our lives. Concepts like social distancing, being apart together, flattening the curve, and working from home have entered our common lexicon. Civil unrest on a scale we have not seen in decades has been at the front and center of public discourse. Conversations about our shared hopes, concerns, and what freedom means to each one of us are taking place in the U.S. Capitol, our statehouses, on social media, at public gatherings, and around countless dinner tables.

Still, despite the challenges we are facing, I am optimistic about our future. Because if there is one thing our shared history has proven again and again, it is that Americans can rise together to meet any challenge, face any trial, and overcome any obstacle. We are not a perfect nation and we are relatively young by the world’s standards. But we are a nation of incredible people, innovative thinkers, and ennobling ideals. We cherish our independence and honor the brave men and women who have sacrificed so much to safeguard it. We love our wild spaces and carry a bit of that wild, untamable spirit with us. We disagree, debate, and opine, but when life’s storms strike, we show up in droves to repair, rebuild, lift, and love. We are the product of the beautiful and ever-evolving dream of hundreds of millions, and I know of no place on earth where such a diverse collection of people is more committed to becoming better and working together to build a society in which everyone has the opportunities, resources, and encouragement they need to make the most of life, liberty, and the pursuit of happiness. Throughout almost 250 years together, we Americans have defined ourselves by the way we improve, overcome, and ultimately become stronger than we were before.

As members of America First, our unity of purpose is also deep and enduring. And as a credit union, we are driven by our passion for serving our members, and by our commitment to helping each one of them to improve their financial well-being and to withstand whatever difficult times life brings.

Thank you for your membership and loyalty. We look forward to a lifelong relationship with each of you.

Thirty-two Seniors Honored by America First Credit Union

FOR IMMEDIATE RELEASE

Thirty-two Seniors Honored by America First Credit Union
$16K in Scholarships Awarded to High School Student Athletes

Riverdale, Utah – June 1, 2020 – America First Credit Union (AFCU) is recognizing 32 Utah high school senior student-athletes, awarding $16,000 in total scholarships. To date, the credit union has awarded over $76,500 in scholarships to deserving students.

Each of the students who were awarded were nominated by their school for their involvement in a sport, their 3.5 or higher-grade point average, and outstanding citizenship and community involvement.

This effort, in partnership with Utah TV stations KJZZ and KMYU’s Thursday Night Lights and Friday Night Rival program, recognized 22 Utah high school senior student-athletes each with $500 scholarships. AFCU awarded the winning students with an on-field check presentation which aired live on KJZZ and KMYU.

AFCU also partnered with KSL for their digital Game Night Live to highlight ten Utah high school student-athletes. Game Night Live students were honored with a $500 check presentation via Facebook Live.

In place of the annual ceremony, which was canceled due to the current COVID-19 pandemic, KUTV will be honoring each of the student-athletes live on Talkin Sports from May 23 through June 13 and in a highlight video on Talkin Sports and on their social channels.

Thursday Night Lights and Friday Night Rivals Honorees Game Night Live Honorees
   
Eliza Balfe – Corner Canyon High School William Francom – Springville High School
Alta Tabar – Park City High School Annie Murdock – Highland High School
Caylyn Ponich – Davis High School Logan Baty – Roy High School
Kale Wakely – Jordan High School Caroline Murri – Alta High School
Tyler Easton – Corner Canyon High School Lucy Jones – Stansbury High School
Luke Johnson – Weber High School Dana Kim – Skyview High School
Sam Langi – East High School Easton Allred – Corner Canyon High School
Sidney Preator – Timpanogos High School Paulina Jimenez – East High School
MeKenna Trader – Woods Cross High School Camilla Hatch – Kearns High School
Ainzlee Enger – Herriman High School Makayla Lear – Grantsville High School
Bailey Hill – Roy High School  
Tige Voorhees – Fremont High School  
Wyatt Marx – Bingham High School  
Kai Roberts – Skyridge High School  
Hailee Oldroyd – Salem Hills High School  
Grace Poulson – Corner Canyon High School  
Sydney Neilson – Sky View High School  
Courtney Giles – American Fork High School  
Isaac Andrewsen – Riverton High School  
Jordan Falls – Alta High School  
Ashlyn Hall – Syracuse High School  
Peter Bickel – Olympus High School

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ABOUT AMERICA FIRST CREDIT UNION

Proudly celebrating 80 years of servicing members and a long-standing history, America First has become one of the largest, most stable and most progressive credit unions in the country, and has remained a member-owned, not-for-profit cooperative financial institution. Today, America First has 132 locations, and is the ninth largest credit union in assets in the United States with over $12.2 billion, and the sixth largest credit union in membership in America with more than 1,107,706 members.

MEDIA CONTACTS:

Nicole Cypers
America First Credit Union
801.827.8655
ncypers@americafirst.com

Kelsey Richardson
R&R Partners
801.913.9454
Kelsey.richardson@rrpartners.com

The FUNdamentals of Football

America First Credit Union is safely open, and has also joined the Las Vegas Raiders in presenting the “FUNdamentals of Football,” a new video series that gets you ready for the NFL on the Strip!

For more information, click here. In the meantime, nominate a GIVE BACK recipient by clicking here

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How America First Credit Union can help you financially

Nicole Cypers joined Good Things Utah to discuss some of the realities of the current economy and address some of the misconceptions about you and your money.

There’s been a rumor circulating that missed payments on mortgages won’t impact credit scores. Missed payments can still have an effect on your credit score, so make sure to get into contact with an America First Credit Union representative if you’re having any trouble making payments or expect a delay. If you encounter financial difficulties, they encourage you to contact an America First member service representative to discuss your specific situation.

As a service to their members during the current COVID-19 situation, they are offering up to two months of skipped payments and the standard $25 fee will be waived.

America First was one of the first financial institutions to implement online banking. Since that time, they’ve continuously improved their services in order to give their members fast access to their accounts. America First offers a variety of ways to manage your finances without having to visit a physical branch location.

America First Credit Union is committed to protecting our common physical and financial well-being. The health of their members and their employee team is their number one priority.

Visit America First for the latest information and updates.

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An Unyielding Dedication to Serving and Improving Your Financial Health

Dear Members,

On behalf of the America First staff and volunteer team, I am honored to deliver an accounting of your credit union’s achievements in 2019. We greatly appreciate the support, loyalty, and trust of our membership. As an organization, we endeavor daily to ensure relevant and affordable financial services are provided in a convenient, professional, and personal manner.

We celebrated our 80th anniversary on March 16, 2019 and closed the year as the nation’s 9th most substantial credit union in terms of assets; America First ranked 5th in number of members. I often wonder what the 59 founders would think of our progression and success. Although much has changed since 1939, one constant, core purpose remains: improving the members’ financial well-being.

By every measurement, it was an outstanding 12 months. More importantly, our commitment to America First’s long-term health and vitality is strongly evident. With this in mind, we continue focusing on three pillars forming the nucleus of our strategy, budget, and operation: 1. Lifetime member relationships, 2. Financial strength & integrity, and 3. Strategic, balanced growth.

Lifetime Relationships

Our mission is to serve the membership’s needs, help simplify lives, and enhance financial wellness. Indicators suggest we’re doing a good job—our loyalty, retention, product utilization, and net promoter benchmarks are among the best in the U.S. This positive differentiation of products, designed according to each life stage, is essential to develop and maintain productive, long-term relationships. Among our priorities are:

Financial Literacy

  • Free financial seminars & training opportunities
  • Free financial counseling services
  • Financial literacy instruction at local schools
  • Free credit scores and programs to assist members who are rebuilding
  • Interactive web-based learning tools
  • Social media tips, updates, and financial education

Award-Winning 24/7 Digital and Electronic Services

  • Comprehensive online banking and web portal
  • Go-anywhere mobile banking, including deposits & bill pay
  • Apple, Android, Samsung Pay
  • No-fee ATM access
  • Zelle® person-to-person transfers

Transactions, Deposits & Your Security

  • Free identity theft recovery and monitoring services for credit cardholders
  • Free Card Guard® mobile app
  • Free direct deposits
  • Youth and student savings
  • Share, money market, individual retirement and health savings accounts
  • Low-rate Visa® options, including rewards & cash back
  • Business and commercial deposit, transaction accounts
  • Merchant account services

Lending

  • #1 auto lender in our region
  • RV loans
  • Auto/RV research and valuation tools
  • Convenient on-site dealer financing
  • Mortgage, real estate, home equity & construction loans
  • Lines of credit and overdraft protection
  • Business, commercial, and SBA loans
  • Personal and consolidation loans

Complete Financial Needs

  • Trust services
  • Investments
  • Insurance
  • And more
Financial Strength & Integrity

Each year, we hear of businesses that are disrupted, fail, quit, are acquired, or otherwise disappear. Often, this is caused by inadequate fiscal reserves, loss of discipline, and/or lack of integrity. I am pleased to report that America First is safe, sound, and independently rated among the best and strongest financial institutions in the country; our commitment to ethical standards and integrity is unyielding.

Accordingly, our net worth equaled $1.279 billion at year’s end, up 11.82% from 2018 and closing at 10.92%. The National Credit Union Administration (NCUA), our federal regulator, considers 7% well-capitalized. Our strong net-worth position engenders health during the ups and downs of economic cycles. America First additionally achieved positive/unqualified exam results from our regulator and an independent external auditor.

Credit union assets increased 13.47% to $11.713 billion. Yearly net income exceeded $135 million, producing a healthy 1.21% return on assets. America First’s loan portfolio grew by 11.09% to $9.358 billion, while deposits were 13.76% higher to finish at $10.343 billion. The 90.48% loan/deposit ratio demonstrates prudent use of funds while allowing for adequate liquidity. The overall loan portfolio mix is diversified, has minimal interest rate risk, and reflects appropriate credit risk levels. Allowance for loan loss reserves are more than adequate to absorb any portfolio deficiencies.

Our top priority is protecting members’ personal data, information, resources, and accounts. Internal and external resources review, upgrade, and monitor IT systems. America First does not sell member information.

Strategic and Balanced Growth

Growth is an essential element of sustainability. Entering new markets, welcoming new members, developing new services, and broadening existing relationships is important to diversifying. Growth for its sake alone is problematic, but balanced advancement is vital.

America First’s field of membership is well-diversified geographically and socioeconomically; we expect stable growth prospects going forward. For the year, membership rose by 8.79% to nearly 1.1 million. We are the region’s #1 credit union but, more significantly, we’ve developed deep and positive primary account relationships.

New branches opened in West Valley, Utah; Rexburg, Idaho; and Las Vegas, Nevada, with more planned for 2020. After careful consideration, two locations were closed. In addition, a merger with a small Provo, Utah-based credit union was completed. As 2019 ended, we had 131 branches with locations in Utah, Nevada, Arizona & Idaho.

To protect our relevance in an evolving marketplace, we’re active in legislative and community affairs on local, state, and national levels. We believe it’s imperative to be an outstanding corporate citizen, encourage financial wellness, and lend support to organizations working for the greater good. To that end, the America First Charitable Foundation provides resources, service, and expertise to food drives, Warm the Soles of Kids programs, the 100% For Kids Credit Union Education Foundation, Souper Bowl of Caring, and many other deserving causes. Our employees and volunteers donate countless hours of personal time and effort to service outreach.

Once again, I express my utmost appreciation to all the dedicated individuals who are devoted to continual improvement. I am grateful for the members who support and promote our credit union. America First is well-positioned for a bright future.

Sincerely,

 

 

 

John B. Lund, President and CEO

In Times of Need, Your Credit Union Stands Ready to Serve and Support

By John B. Lund, President/Chief Executive Officer

Dear Valued Members,

During the past several weeks, we have all experienced considerable anxiety and made significant adjustments to how we interact with one another and conduct business. We’ve experienced fear, not just of potential illness, but that of facing significant hardships such as job loss, the inability to establish normal routines, dealing with children out of school, and other uncertainties. Throughout, I have certainly learned to more fully appreciate life and the good things we cherish most.

On March 16, America First quietly passed our 81st birthday. Over the decades, this organization has confronted innumerable challenges. However, it is clear that such difficulties do not define us, nor have they weakened our resolve. Instead, again and again, we choose to write our own story: We work together to surpass every obstacle, growing stronger all the while.

In trying times, we give each other and our shared communities time, means, and support. When disaster strikes, we rebuild damaged homes, businesses, and lives. We reach out to those in need at every opportunity. Since 1939, the credit union has genuinely cared for our fellow members, lifted and rooted each other on, and celebrated our success. We confront these moments as a united front, and I am profoundly comforted and encouraged to know that this will be no different; it is who we are.

America First is committed to protecting our common physical and financial well-being. The health of the membership and our employee team is the credit union’s number-one priority. Some necessary operational adjustments may cause inconvenience, but we’re grateful for your patience and understanding as efforts continue to reduce the ramifications of the coronavirus and related threats. We adjusted the hours and availability of some branches, and will be making ongoing changes as we monitor and assess current circumstances. An updated list is here. Please check the website regularly to see if your branch has been or will be affected. We encourage managing your money using online & mobile banking, with mobile deposit services, at our ATMs, or by calling 1-800-999-3961 for telephone banking and the contact centers.

If you are having financial difficulties, please get in touch immediately. Plans are in place to help ease the burden and strain of this crisis. We will do everything possible to minimize any lasting effects on you, your family, and your business.

America First is safe and sound. The credit union is well-capitalized, with sufficient reserves to weather turbulent economic cycles and impediments as they materialize. We are robust, vibrant, and capable of helping you achieve current and long-term goals. We appreciate your trust, support, and look forward to a lifetime relationship.

 

Avoid COVID 19 Scams

 

Fraudsters will look for opportunities to take advantage of people, especially during times of increased stress. As a reminder, America First representatives will never ask for your PIN. We also will never reach out to you over the phone or via email to request sensitive information, such as your Social Security or account numbers.

If you receive any messaging that asks you to do this, please forward it to phishing@americafirst.com and we will take the necessary steps to request the site to be taken down in a timely manner.

Additional steps that you can take to spot a scam and keep yourself protected are:

  • If you get a link from a source you do not know, do not click on it.
  • If you get a link from someone claiming to be from the CDC, state or other local authority claiming to have information for you, it is most likely a scam.
  • Currently there are no vaccinations for COVID 19 and online offers claiming to sell the vaccine are scams.
  • Watch for price gouging on essential items. Local stores are working to keep items as stocked as possible. Price gouging is illegal in many states, and if you see it report it to your local hotline.
  • If you want to donate to others at this time, research it first and make sure that your money is going where you want it to go.

America First Credit Union Awarding Scholarships to High School Seniors and College Students

FOR IMMEDIATE RELEASE

Riverdale, Utah – March 5, 2020 – America First Credit Union (AFCU) is calling for submissions for its America First Charitable Foundation Scholarship Program. The credit union will be awarding ten $1,000 scholarships to graduating high school seniors and undergraduate students at two- and four-year technical colleges or universities who share our passion for helping others.

The America First Charitable Foundation is looking for candidates who embody a people-helping-people philosophy. Those who play an active role in giving back to their community, whether through volunteering or other meaningful contributions of time, effort, and care are encouraged to apply.

Applicants are required to submit their hours of community service, grade point average, and current transcript. They must also submit a short essay on how their community service exemplifies the credit union philosophy of people helping people.

This will be the second year of AFCU’s scholarship program. Last year the credit union awarded more than $80,000 worth of scholarships to 80 deserving college bound seniors and undergraduate college students to celebrate 80 years serving members.

The scholarship application can be found and submitted on AFCU’s website. Submissions are due by March 31 and winning members will be notified by May 29.

Dream It. Live It.™

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ABOUT AMERICA FIRST CREDIT UNION

Proudly celebrating 80 years of servicing members and a long-standing history, America First has become one of the largest, most stable and most progressive credit unions in the country, and has remained a member-owned, not-for-profit cooperative financial institution. Today, America First has 132 locations, and is the ninth largest credit union in assets in the United States with over $11.7 billion, and the fifth largest credit union in membership in America with more than 1,089,000 members.

MEDIA CONTACTS:

Nicole Cypers
America First Credit Union
801.827.8655
ncypers@americafirst.com

Kelsey Richardson
R&R Partners
801.913.9454
Kelsey.richardson@rrpartners.com