New Members Can Earn Up to $550!

$150 Direct Deposit *
Get $150 when you solidify direct deposit on your new account.

$150 Debit/Credit Card *
Get $150 for using your new VISA®️ Debit or Credit Card.

$250 Auto Loan *
Get 1% cash back, up to $250, for refinancing your Auto Loan with us.

$25 For Every New Member Referral *
Current Members: earn up to $25 for each and every new member you refer to the credit union. That can really add up!

* Membership required. Upon approved credit. New members are eligible to receive up to $550 when joining American United. This must be a new account for the Primary SSN, not ever having had an account before. New members are to receive up to $150 for setting up their employer Direct Deposit; $50 per month for the first 3 months that Direct Deposits of $300 or more are identified. These will be automatically added to your account at 30 days, 60 days, and 90 days. $150 for 15 or more debit or credit card transactions per month; $50 per month for the first 3 months when those transactions are identified. These will automatically be added to your account at 30 days, 60 days, and 90 days. 1% Cash Back up to $250 for an auto loan refinance which will be deposited at funding. New Member Fall Special is for new members only, upon eligibility. If any promotional account is closed before or during the promotional period, we reserve the right to deduct these reward amounts at account closing. For more information contact us at 801-359-9600. Current Auto Loan rates start at 1.99% APR.

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© 2021 American United Federal Credit Union. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

American United Federal Credit Union BBB Business Review
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American United Federal Credit union is a one-stop shop for banking services, loans, credit, and financial mentoring for the people of Utah. The credit union offers services at lower fees and guarantees you high returns. The union goes where the traditional banks dare not step.

We offer exclusive options to the undeserving in Utah, and you will find what suits you. What’s more, we offer VA programs to veterans who are serving or have served in the U.S. military. If you are wondering what you can access if you join the credit union, read on. We look at the new member’s benefits you will enjoy if you join the union.

Services new members will access

The American United Federal credit union offers a variety of services. In this section, we look at the benefits you can access if you join the union.

Personal Banking Services

Under personal banking, the union offers the following.


The American credit union offers different lines of credit.

Auto loan

The union offers auto loans at a lower rate than the traditional banks. At AUFCU, the process of applying for an auto loan is easy and convenient. In addition, they will consider you even if you have a not-so-perfect credit rating.

Equity Loans

The union allows you to use the equity in your home to access credit. Here are the features of the equity line of credit:

  • An APR of 1.99%
  • A rate of 4.00% after the intro
  • Access up to $ 1,500,000
  • You can access finance of up to 95% value of your home
  • The union does not charge closing, appraisal, credit, or origination fees.

Personal Loans

You can access a personal loan with the following features:

  • No fees when applying for the loan
  • Quick loan approval
  • Loan payment protection is available

Home loans

With the union, you can get a home mortgage at competitive rates. You can access fixed rates or conventional mortgages.

Credit cards

The union offers credit cards, and you can earn rewards with every purchase. What’s more, they charge a low interest of 9.90% APR.

Individual Retirement Accounts

With the federal credit union, you can open an account with a zero minimum balance for your retirement. The benefits of the retirement account are as follows.

Bank statement with descriptions of the contribution:

  • Dividends paid monthly
  • Insured by the federal credit union
  • Contribution of $ 6000 if you are under the age of 49 and $ 7000 if you are above 50 years

Checking account

The checking account is your opportunity to start afresh. It has the following features:

  • Minimal monthly fees
  • Unlimited transactions on your visa card
  • Overdraft protection
  • Mobile and online banking
  • E-statement that makes it convenient to review your account
  • Yearly dividend
  • Access your money at over 30,000 ATM

 Savings Account

The saving account is a high-yield, low-risk account that guarantees you earnings of 0.08% APY. The main features of the account are:

  • A minimum deposit of $ 500 with youth accounts requiring $ 100
  • Easily load your account
  • Quarterly statements to make it easy to review

Business Products

In addition to loans and saving accounts, the credit union offers the following products to help you grow your business.

Cash management services

We offer the following cash management services:

  • ACH payments
  • Online and mobile banking for business
  • Merchant services for businesses
  • Payroll services so you can pay employees fast
  • Solutions for your e-commerce business

New Members Benefits you get on Joining the American Federal Credit Union.

  • This section is the perfect guide if you wonder what benefits you can get from joining the union. The union’s core mission is to support its members. Here are the new member’s benefits you can access:
  • The union offers protection from fraud through an identity protection program. The program offers credit monitoring services, identity recovery, and assistance to recover and replace documents.
  • New members receive dividends through the new member program. The dividend you receive depends on the account type and balance.
  • Access travel rewards program.
  • You can access a safe and secure deposit box.
  • Military families can access special home loans through the Veterans administration.
  • Online banking that is easy to use and access
  • Overdraft protection
  • Smart cents program that rounds your purchases to the nearest whole dollar
  • You can transfer money within the U.S and internationally
  • Low fees savings, and checking accounts
  • New members benefit from financial training
  • Competitive interest rates
  • Personalized customer service
  • The right to vote for board directors and influence the management of the union

The American Federal Credit Union is the best financial partner. As a financial provider, We offer well-customized financial products for our new members. We provide high-quality banking services for both individuals and businesses in Utah.