America First Credit Union Routing Number

Your complete guide to America First Credit Union routing numbers for ACH transfers, wire transfers, and direct deposit setup across Utah, Nevada, Idaho, Arizona, and beyond.

Wire Transfer (Domestic)

324377516

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Wire Transfer (International)

324377516

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ACH Transfer

324377516

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Swift Code

Not available

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with America First Credit Union. Nickel supports secure transfers from America First Credit Union and thousands of other banks. For official America First Credit Union support, contact them directly.

America First Credit Union Routing Number

America First Credit Union uses a single routing number for all members across all states where they operate. Whether you opened your account in Utah, Nevada, Arizona, Idaho, or New Mexico, you'll use the same routing number.

Primary Routing Number: 324377516

Use this number for:

- ACH transfers

- Direct deposits

- Wire transfers (domestic)

- Bill payments

- External account links

- Mobile check deposits

- All transaction types

Service Areas:

America First serves members across the Mountain West and Southwest with branches in:

Utah (All 29 Counties):

- Salt Lake County

- Utah County

- Davis County

- Weber County

- Washington County

- Cache County

- All other Utah counties

Nevada:

- Clark County and Lincoln County (except those living within 25 miles of Alamo, NV)

- Churchill, Douglas, Esmeralda, Lyon, Mineral, Nye, Storey, Washoe, and Carson City Counties (eligible areas)

Arizona:

- Maricopa County (Phoenix metro area)

- Page and St. Johns areas

Idaho:

- Ada, Bannock, Bear Lake, Bingham, Boise, Bonneville, Canyon, Caribou, Clark, Elmore, Franklin, Gem, Jefferson, Madison, Owyhee, and Power Counties

New Mexico:

- Select counties and cities

California:

- San Bernardino County (following 2024 merger with 1st Valley Credit Union)

Note: As a credit union, America First uses one routing number for all members and all transaction types. This makes banking simpler than at large national banks that often have different routing numbers by state or transaction type.

Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your America First Credit Union Bank Routing Number

Multiple ways to locate your America First Credit Union Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your America First Credit Union online banking and navigate to Account Details to view your routing number

Mobile App

Open the America First Credit Union mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call America First Credit Union customer service at 1-800-999-3961 for assistance finding your routing number.

Frequently Asked Questions About America First Credit Union Routing Numbers

Why does America First Credit Union only have one routing number?America First Credit Union was founded in 1939 as a military credit union serving federal employees at Fort Douglas in Utah. As a credit union, AFCU operates with a single routing number (324377516) for all members across its six-state service area. Unlike large national banks that acquired regional institutions and maintained separate routing numbers, credit unions typically use one unified number. This reflects America First's cooperative structure and centralized operations based in Riverdale, Utah.

Can I use the same routing number if I opened my account in Nevada but now live in Utah?Yes. All America First members use routing number 324377516 regardless of which state or branch they opened their account in. This applies whether you joined at a branch in Las Vegas, Salt Lake City, Phoenix, Boise, or any other America First location. The routing number follows your membership, not your location.

What's the difference between ACH and wire routing numbers at America First?There is no difference. America First uses routing number 324377516 for both ACH transfers and domestic wire transfers. You can use this same number for direct deposit, bill payments, external transfers, and wires. This simplicity is one of the benefits of banking with a credit union rather than a large national bank with complex routing structures.

How do I receive international wire transfers to my America First account?America First does not have its own SWIFT code. International wires must route through Wells Fargo Bank as an intermediary using SWIFT code WFBIUS6S. The sender should provide Wells Fargo's information as the intermediary bank, then include your America First routing number (324377516) and your 12-digit account number as the final beneficiary. Contact America First member services at 1-800-999-3961 for complete incoming international wire instructions, or visit your local branch.

What are America First's wire transfer fees and cutoff times?America First charges $15 for outgoing domestic wires and $30 for international wires. Incoming wires cost $10. Domestic wire requests must be submitted by 3:45 PM Mountain Time for same-day processing. International wire requests for personal accounts must be submitted by 3:00 PM Mountain Time. Requests received after these cutoff times will process the next business day. Note: Adjust cutoff times accordingly for Nevada (Pacific Time) and Arizona (no daylight saving time).

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