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Benefits of Membership

Credit unions offer significant advantages compared to traditional financial institutions. Because we exist to support and benefit our members and community, we can act on your behalf rather than increase profits and respond to other stockholder demands.


We make sure that our members experience significant value through their association with the credit union. Advantages of membership include:


    • • The ability to shield your funds from fraud with our identity theft protection program includes complimentary credit monitoring service, special member pricing for identity theft and fraud replacement insurance, ID and document replacement assistance, and identity recovery


• Dividends each year through our member rewards program, in an amount based on your account type and balance


• Access to VISA Rewards merchandise and program


• Access to affordable, secure safe deposit box rental


• Access to special home loan financing for military families through the Veterans Administration


• Easy online banking with our Money Desktop app and the CardNav credit and debit card app


• Available overdraft protection

• Smart Cents program to expedite your savings goals by rounding your purchases to the nearest whole dollar


• The convenience of more than 3,000 nationwide ATMs


• Ability to transfer funds and wire money electronically, both within the United States and abroad


• Affordable, low-fee checking and savings accounts with deposit insurance through the National Credit Union Administration


• Access to GoldStar® Academy financial training online for individuals and small businesses


• Competitive interest rates on credit cards, mortgages, and other loans, including a rewards Visa with 1% cashback on every purchase


• Personalized assistance and exceptional customer service


Member-owned structure, which allows you to vote for the board of directors and influence management of the credit union

As a member, you will have the peace-of-mind of a relationship with a nonprofit, member-owned financial organization with your interests in mind.

Who We Are

American Federal Credit Union deeply values our local heritage. We started in 1952 to create access to personal and business banking for traditionally underserved individuals. Today, we have expanded that mission and enhanced the benefits of credit union membership, with perks like member rewards, financial advising and credit coaching services, impressive dividends, and low-interest rates and fees. If you live in Utah and you’ve grown tired of the traditional banking experience, consider exploring our credit union application process.


Although our administrative offices can be found in West Jordan, Utah, we have ten banking branches throughout Utah and California. American United Federal Credit Union is proud to serve more than 20,000 members.


Our personal banking services include home loans, auto loans, credit cards, checking accounts, savings accounts, personal loans, and individual retirement accounts. For businesses, we offer credit cards, secured and unsecured business loans, lines of credit, checking accounts, savings accounts, and cash management services.

Eligibility Requirements

If you live, work, or attend school or church in Tooele County or Salt Lake County, Utah, you can sign up today for membership at American United Federal Credit Union. In addition, you can apply for membership outside these counties if you have a family member who belongs to the credit union.


As a bonus, if you open an account with us, you can earn a reward of $75 with a balance transfer of at least $3,000. Get in touch today to learn more about our services and start the application process. You can also stop by one of our branches and learn what we’re all about.

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Featured Image: Shutterstock / Fizkes