America First Layton UT Credit Union: Low Mortgage Rates & Auto Loans

Introduction

Welcome to America First, your trusted partner in financial well-being, located at 172 N Fort Ln, Layton, UT 84041. Since our establishment in 1939, we have proudly served our community and built a solid reputation based on trust and reliability. With a total membership of over 1.47 million, we strive to provide the best personal and business banking services tailored to meet your needs. At America First, we take pride in managing substantial assets of $21,352,783,826. This not only reflects our financial strength but also our commitment to supporting our members with competitive rates on loans and deposits. We currently offer around 917,592 loans and leases, ensuring that whether you're looking for an auto loan, mortgage, or personal financing, we've got you covered. Our branch is equipped with various services including checking and savings accounts, credit cards with rewards, and business banking options like merchant services and business loans. Plus, with convenient features such as online and mobile banking, ATMs, and drive-thru services available during lobby hours from Monday to Friday 9 AM - 6 PM and Saturday 9 AM - 3 PM, managing your finances has never been easier. Under the leadership of CEO Thayne Shaffer and Board President Linda Carver, our dedicated team of 3,368 employees is here to assist you every step of the way. Whether you have questions about your account or need help with a loan application, don't hesitate to reach out at 801-827-8730. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 172 North Fort Lane, Layton, UT 84041. Join us today at America First where your financial success is our priority! Visit our website at http://www.americafirst.com for more information or stop by our branch to experience firsthand how we can help you achieve your financial goals!

Branch History & Mission

Join Us!

As we look towards the future, we invite you to become part of our story. Experience the benefits of membership at America First and join a community that values your aspirations just as much as you do. With dedicated staff ready to assist you at every step and innovative services designed with your needs in mind, let us help you navigate your financial journey together. For more information or assistance, feel free to reach out at 801-827-8730. Welcome home!

Our Evolution

Located at 172 N Fort Ln, Layton, our branch has seen many changes over the decades. From humble beginnings, we have expanded our services and adapted to meet the evolving financial landscape. While we continue to offer traditional banking services such as checking and savings accounts, auto loans, and mortgages, we have also embraced technology. Today, we provide online and mobile banking options that make it easier for our members to manage their finances from anywhere. As a member-focused credit union, we prioritize accessibility. Our branch features an ATM for quick transactions and a drive-thru service for added convenience. Whether you're stopping by during our lobby hours from Monday to Friday or visiting us on Saturday from 9 AM to 3 PM, we're here for you.

Our Mission

At America First, our mission is clear: to empower individuals and families through exceptional financial services while giving back to the community. We believe that financial wellness is key to a thriving life. That's why we are committed not only to providing competitive rates but also to supporting local initiatives that uplift our neighborhood. Our team works tirelessly to create partnerships with local organizations and participate in outreach programs. We aim to foster a sense of belonging among our members while ensuring they have access to resources that help them achieve their financial goals. While members can visit us at 172 N Fort Ln Layton UT 84041, official correspondence should be sent to 172 North Fort Lane, Layton, UT 84041.

Branch Location & Accessibility

Welcome to the America First branch located at 172 N Fort Ln, Layton, UT 84041! Our convenient location makes it easy for you to access all of your banking needs. We're nestled in the heart of Layton, a stone's throw away from popular spots like Layton Hills Mall and Hill Air Force Base, ensuring that you can combine errands with your banking visits seamlessly. At our branch, we strive to provide a welcoming and accessible environment for everyone. If you're visiting us, you'll find ample parking available right outside our doors. Our facility is designed with accessibility in mind, featuring ramps and ADA-compliant entrances to ensure that all members of our community feel comfortable when they come to see us. We understand that your time is valuable. That's why we're open Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM, allowing you to manage your finances at a time that works best for you. Whether you're stopping by for personal banking services like checking or savings accounts, auto loans, or credit cards with rewards, our friendly staff is here to assist you. For those who prefer quick transactions on the go, we also offer ATM services and drive-thru banking options. You can easily withdraw cash or make deposits without leaving your car perfect for busy days! While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address: 172 North Fort Lane, Layton, UT 84041. If you have any questions or need assistance, feel free to give us a call at 801-827-8730. We look forward to serving you at America First!

Member Eligibility

At America First, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and fulfilling! If you're living, working, or attending school in the area around 172 N Fort Ln Layton Ut 84041, you may be eligible to join us. We also extend membership to family members of existing members, making it easy for your loved ones to enjoy the same benefits. Joining America First means gaining access to a range of financial services designed with your needs in mind, from checking and savings accounts to loans and credit cards. For more detailed eligibility criteria, feel free to check out our resource page at . Ready to take the next step? Opening an account is straightforward! Just give us a call at (801) 827-8730, and our friendly team will guide you through the process. With flexible options and personalized service, becoming part of America First is not just about banking; it's about joining a family that supports your financial journey.

Business Banking & Commercial Services

Business Loan Options

Imagine expanding your retail store just in time for the holiday season. With our commercial loan options, you can make that dream a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,503 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,389,809,869, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services provide practical tools that help streamline operations. Picture this: you're a local café owner who wants to accept payments quickly and securely. With our advanced payment processing solutions, you can easily manage transactions while offering customers the convenience they expect. Let us partner with you as you take your business to new heights. Visit us at 172 N Fort Ln Layton Ut 84041, Layton, UT, or call us at (801) 827-8730 to learn more about how we can assist your business needs!

Comprehensive List Of Services

Accessibility & Support

We understand that sometimes you prefer face-to-face interactions. Our basic drive-thru banking allows for quick transactions like deposits and withdrawals without leaving your car. Additionally, our ATMs provide easy access for balance checks and cash withdrawals. At America First, we're committed to offering not just services but real solutions that fit into your life. Our dedicated team is always available at (801) 827-8730 during lobby hours from Monday to Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM. If you're ready to take control of your finances or have any questions about our offerings, don't hesitate to reach out or visit us today! Let us help you achieve your financial goals with confidence!

Credit Cards & Business Banking

Our credit cards come with rewards that make spending more rewarding. You can earn points on everyday purchases, which can be redeemed for exciting rewards. If you're a business owner, America First supports you through our comprehensive business banking services, including merchant services and business loans tailored for your unique needs.

Digital Banking Solutions

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking solutions that allow you to manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, staying on top of your budget has never been easier. Plus, our ATM services ensure you have access to cash whenever you need it.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to suit different lifestyles and financial goals. For those planning to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms, making it easier for you to hit the road in style. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans come with personalized support to guide you through the process. We also offer personal loans and debt consolidation services that can help simplify your financial obligations and provide you with peace of mind.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features. You can easily check your balances, transfer funds, and pay bills without stepping foot in a branch. Plus, with the availability of e-statements, you can review your financial activity at your convenience while reducing paper clutter. If you're always on the go, our mobile application allows you to manage your accounts right from your smartphone or tablet. Security is a top priority for us. Our electronic signature authorization feature means that you can sign documents securely without needing to print anything out, saving you time and hassle. For those who want to make payments quickly, our mobile payments option lets you pay friends or family with just a few taps. Need to send money? Our person-to-person transfer service makes it easy to share funds in real time. With all these tools at your fingertips, managing your money has never been easier. Whether you're at home or out and about, you have the power to control your finances whenever you need it. Join us at America First today and experience the convenience of modern banking!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 3,097,747, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $34,785,848, which further illustrates our robust position. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, America First is your trusted partner. Visit us at 172 N Fort Ln Layton Ut 84041 or call (801) 827-8730 to learn more about how we can help you achieve your financial goals.

Innovative Services and Support

With $111,310 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $316,583 in used auto loans and $15,267,227,347 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $6,025,606,919 in share certificates and $5,923,664,297 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $15,786,109, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $167,577,866, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3,164 full-time employees and 204 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $2,277,865,463, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,113 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,709,426,997 in used vehicle loans and $1,416,032,601 in new vehicle loans already helping members get on the road. We aim to make your car-buying experience straightforward and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $1,389,809,869 provide the capital needed to grow and expand. We understand that running a business requires access to funds when opportunities arise.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $932,190,935 in loans helping members manage their finances effectively. Our credit cards come with rewards that can help you save even more while making purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,565,575,445, make buying or refinancing simple. We provide various terms and competitive rates to help you secure the home of your dreams.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we have refinancing options available that can help simplify your financial situation. Our team is here to guide you through the eligibility requirements and find the best solution for you. At America First Credit Union in Layton, we pride ourselves on being a supportive partner in your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Come visit us or give us a call we're here to help!

Loan Aggregator

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AMERICA FIRST FEDERAL CREDIT UNION