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.
Last verified June 2026
America First Credit Union routing number
Use the ACH number for direct deposits and ACH transfers, the wire number for domestic wires, and the SWIFT code for international wires.
More about America First Credit Union
America First Credit Union Routing Number
America First Credit Union's ACH routing number is 324377516, used for direct deposits, ACH transfers, and domestic wires.
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.
Get it right the first time
A wrong number can bounce a transfer or send it into limbo. Two minutes here saves a week of waiting.
- Using the wire number for an ACH transfer (or vice-versa)
- Transposing a digit; always copy, don’t retype
- Forgetting the SWIFT code on incoming international wires
- Routing numbers are public — your account number is what to protect
- Only share account details over channels you initiated
- Verify new payees by phone before the first transfer
- Watch for invoice-swap scams that change banking details
How to find your account number
The 9-digit number in the lower-left, before your account number.
Sign in, open the account, and view account & routing details.
Printed near your account number in the statement header.
1-800-999-3961, or ask at any America First Credit Union branch.
FAQs
Common questions about ACH and wires through America First Credit Union
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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